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   "value": "\n<h1 class=\"S_PARAGRAPH\" id=\"n1286966\"><span class=\"number\">7.1.1 </span><span class=\"title-text\">General information </span></h1>\n<p>ASR Nederland N.V. (a.s.r.) is the second-largest insurer in the Netherlands. a.s.r. helps its customers share risks and build up capital for the future. a.s.r. does this with services and products that are good for today, tomorrow and always, in the fields of insurance, pensions, banking and mortgages for customers, businesses and employers. a.s.r. is also active as an asset manager for third parties.</p>\n<p>a.s.r. is listed on Euronext Amsterdam and is included in the AEX index. a.s.r. has a total of 7,994 internal FTE\u2019s (2022: 4,313). </p>\n<p>a.s.r. is a public limited company under Dutch law having its registered office located at Archimedeslaan 10, 3584 BA in Utrecht, the Netherlands. Country of incorporation is the Netherlands. a.s.r. has chosen the Netherlands as \u2018country of origin\u2019 (land van herkomst) for the issued share capital and some corporate bonds which are listed on Euronext Amsterdam and Euronext Dublin (Ticker: ASRNL). </p>\n<p>a.s.r. is registered under number <span id=\"general-data--15392\">30070695</span> in the register of the Chamber of Commerce. </p>\n<p>The consolidated financial statements are presented in euros (\u20ac), being the functional currency of a.s.r. and all its group entities. All amounts quoted in these financial statements are in euros and rounded to the nearest million, unless otherwise indicated. Calculations are made using unrounded figures. As a result rounding differences can occur. </p>\n<p>The consolidated financial statements were significantly impacted by the adoption of IFRS 17 Insurance contracts and IFRS 9 Financial instruments accounting standards. The impact of these changes on a.s.r.'s profit before tax and shareholders return is disclosed in <a href=\"#n1286092\" title=\"Changes in EU endorsed published IFRS Standards and Interpretations effective in 2023\">chapter 7.3.1</a>. </p>\n<p>In addition, the consolidated financial statements were impacted by the business combination of a.s.r. and Aegon Nederland N.V. (Aegon NL), see <a href=\"#n1287134\" title=\"Acquisitions\">chapter 7.4.5</a>. </p>\n<p>These statements have been prepared on a going concern basis. </p>\n<p>The financial statements for 2023 were authorised for issue by the Executive Board (EB) and approved by the Supervisory Board (SB) on 2 April 2024. The financial statements 2023 will be presented to the Annual General Meeting (AGM) of Shareholders for adoption on 29 May 2024. </p>",
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   "value": "\n<h1 class=\"S_PARAGRAPH\" id=\"n1286966\"><span class=\"number\">7.1.1 </span><span class=\"title-text\">General information </span></h1>\n<p>ASR Nederland N.V. (a.s.r.) is the second-largest insurer in the Netherlands. a.s.r. helps its customers share risks and build up capital for the future. a.s.r. does this with services and products that are good for today, tomorrow and always, in the fields of insurance, pensions, banking and mortgages for customers, businesses and employers. a.s.r. is also active as an asset manager for third parties.</p>\n<p>a.s.r. is listed on Euronext Amsterdam and is included in the AEX index. a.s.r. has a total of 7,994 internal FTE\u2019s (2022: 4,313). </p>\n<p>a.s.r. is a public limited company under Dutch law having its registered office located at Archimedeslaan 10, 3584 BA in Utrecht, the Netherlands. Country of incorporation is the Netherlands. a.s.r. has chosen the Netherlands as \u2018country of origin\u2019 (land van herkomst) for the issued share capital and some corporate bonds which are listed on Euronext Amsterdam and Euronext Dublin (Ticker: ASRNL). </p>\n<p>a.s.r. is registered under number <span id=\"general-data--15392\">30070695</span> in the register of the Chamber of Commerce. </p>\n<p>The consolidated financial statements are presented in euros (\u20ac), being the functional currency of a.s.r. and all its group entities. All amounts quoted in these financial statements are in euros and rounded to the nearest million, unless otherwise indicated. Calculations are made using unrounded figures. As a result rounding differences can occur. </p>\n<p>The consolidated financial statements were significantly impacted by the adoption of IFRS 17 Insurance contracts and IFRS 9 Financial instruments accounting standards. The impact of these changes on a.s.r.'s profit before tax and shareholders return is disclosed in <a href=\"#n1286092\" title=\"Changes in EU endorsed published IFRS Standards and Interpretations effective in 2023\">chapter 7.3.1</a>. </p>\n<p>In addition, the consolidated financial statements were impacted by the business combination of a.s.r. and Aegon Nederland N.V. (Aegon NL), see <a href=\"#n1287134\" title=\"Acquisitions\">chapter 7.4.5</a>. </p>\n<p>These statements have been prepared on a going concern basis. </p>\n<p>The financial statements for 2023 were authorised for issue by the Executive Board (EB) and approved by the Supervisory Board (SB) on 2 April 2024. The financial statements 2023 will be presented to the Annual General Meeting (AGM) of Shareholders for adoption on 29 May 2024. </p>",
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   "value": "\n<h1 class=\"S_PARAGRAPH\" id=\"n1286966\"><span class=\"number\">7.1.1 </span><span class=\"title-text\">General information </span></h1>\n<p>ASR Nederland N.V. (a.s.r.) is the second-largest insurer in the Netherlands. a.s.r. helps its customers share risks and build up capital for the future. a.s.r. does this with services and products that are good for today, tomorrow and always, in the fields of insurance, pensions, banking and mortgages for customers, businesses and employers. a.s.r. is also active as an asset manager for third parties.</p>\n<p>a.s.r. is listed on Euronext Amsterdam and is included in the AEX index. a.s.r. has a total of 7,994 internal FTE\u2019s (2022: 4,313). </p>\n<p>a.s.r. is a public limited company under Dutch law having its registered office located at Archimedeslaan 10, 3584 BA in Utrecht, the Netherlands. Country of incorporation is the Netherlands. a.s.r. has chosen the Netherlands as \u2018country of origin\u2019 (land van herkomst) for the issued share capital and some corporate bonds which are listed on Euronext Amsterdam and Euronext Dublin (Ticker: ASRNL). </p>\n<p>a.s.r. is registered under number <span id=\"general-data--15392\">30070695</span> in the register of the Chamber of Commerce. </p>\n<p>The consolidated financial statements are presented in euros (\u20ac), being the functional currency of a.s.r. and all its group entities. All amounts quoted in these financial statements are in euros and rounded to the nearest million, unless otherwise indicated. Calculations are made using unrounded figures. As a result rounding differences can occur. </p>\n<p>The consolidated financial statements were significantly impacted by the adoption of IFRS 17 Insurance contracts and IFRS 9 Financial instruments accounting standards. The impact of these changes on a.s.r.'s profit before tax and shareholders return is disclosed in <a href=\"#n1286092\" title=\"Changes in EU endorsed published IFRS Standards and Interpretations effective in 2023\">chapter 7.3.1</a>. </p>\n<p>In addition, the consolidated financial statements were impacted by the business combination of a.s.r. and Aegon Nederland N.V. (Aegon NL), see <a href=\"#n1287134\" title=\"Acquisitions\">chapter 7.4.5</a>. </p>\n<p>These statements have been prepared on a going concern basis. </p>\n<p>The financial statements for 2023 were authorised for issue by the Executive Board (EB) and approved by the Supervisory Board (SB) on 2 April 2024. The financial statements 2023 will be presented to the Annual General Meeting (AGM) of Shareholders for adoption on 29 May 2024. </p>",
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   "value": "\n<h1 class=\"S_PARAGRAPH\" id=\"n1286966\"><span class=\"number\">7.1.1 </span><span class=\"title-text\">General information </span></h1>\n<p>ASR Nederland N.V. (a.s.r.) is the second-largest insurer in the Netherlands. a.s.r. helps its customers share risks and build up capital for the future. a.s.r. does this with services and products that are good for today, tomorrow and always, in the fields of insurance, pensions, banking and mortgages for customers, businesses and employers. a.s.r. is also active as an asset manager for third parties.</p>\n<p>a.s.r. is listed on Euronext Amsterdam and is included in the AEX index. a.s.r. has a total of 7,994 internal FTE\u2019s (2022: 4,313). </p>\n<p>a.s.r. is a public limited company under Dutch law having its registered office located at Archimedeslaan 10, 3584 BA in Utrecht, the Netherlands. Country of incorporation is the Netherlands. a.s.r. has chosen the Netherlands as \u2018country of origin\u2019 (land van herkomst) for the issued share capital and some corporate bonds which are listed on Euronext Amsterdam and Euronext Dublin (Ticker: ASRNL). </p>\n<p>a.s.r. is registered under number <span id=\"general-data--15392\">30070695</span> in the register of the Chamber of Commerce. </p>\n<p>The consolidated financial statements are presented in euros (\u20ac), being the functional currency of a.s.r. and all its group entities. All amounts quoted in these financial statements are in euros and rounded to the nearest million, unless otherwise indicated. Calculations are made using unrounded figures. As a result rounding differences can occur. </p>\n<p>The consolidated financial statements were significantly impacted by the adoption of IFRS 17 Insurance contracts and IFRS 9 Financial instruments accounting standards. The impact of these changes on a.s.r.'s profit before tax and shareholders return is disclosed in <a href=\"#n1286092\" title=\"Changes in EU endorsed published IFRS Standards and Interpretations effective in 2023\">chapter 7.3.1</a>. </p>\n<p>In addition, the consolidated financial statements were impacted by the business combination of a.s.r. and Aegon Nederland N.V. (Aegon NL), see <a href=\"#n1287134\" title=\"Acquisitions\">chapter 7.4.5</a>. </p>\n<p>These statements have been prepared on a going concern basis. </p>\n<p>The financial statements for 2023 were authorised for issue by the Executive Board (EB) and approved by the Supervisory Board (SB) on 2 April 2024. The financial statements 2023 will be presented to the Annual General Meeting (AGM) of Shareholders for adoption on 29 May 2024. </p>",
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   "value": "\n<h1 class=\"S_PARAGRAPH\" id=\"n1286966\"><span class=\"number\">7.1.1 </span><span class=\"title-text\">General information </span></h1>\n<p>ASR Nederland N.V. (a.s.r.) is the second-largest insurer in the Netherlands. a.s.r. helps its customers share risks and build up capital for the future. a.s.r. does this with services and products that are good for today, tomorrow and always, in the fields of insurance, pensions, banking and mortgages for customers, businesses and employers. a.s.r. is also active as an asset manager for third parties.</p>\n<p>a.s.r. is listed on Euronext Amsterdam and is included in the AEX index. a.s.r. has a total of 7,994 internal FTE\u2019s (2022: 4,313). </p>\n<p>a.s.r. is a public limited company under Dutch law having its registered office located at Archimedeslaan 10, 3584 BA in Utrecht, the Netherlands. Country of incorporation is the Netherlands. a.s.r. has chosen the Netherlands as \u2018country of origin\u2019 (land van herkomst) for the issued share capital and some corporate bonds which are listed on Euronext Amsterdam and Euronext Dublin (Ticker: ASRNL). </p>\n<p>a.s.r. is registered under number <span id=\"general-data--15392\">30070695</span> in the register of the Chamber of Commerce. </p>\n<p>The consolidated financial statements are presented in euros (\u20ac), being the functional currency of a.s.r. and all its group entities. All amounts quoted in these financial statements are in euros and rounded to the nearest million, unless otherwise indicated. Calculations are made using unrounded figures. As a result rounding differences can occur. </p>\n<p>The consolidated financial statements were significantly impacted by the adoption of IFRS 17 Insurance contracts and IFRS 9 Financial instruments accounting standards. The impact of these changes on a.s.r.'s profit before tax and shareholders return is disclosed in <a href=\"#n1286092\" title=\"Changes in EU endorsed published IFRS Standards and Interpretations effective in 2023\">chapter 7.3.1</a>. </p>\n<p>In addition, the consolidated financial statements were impacted by the business combination of a.s.r. and Aegon Nederland N.V. (Aegon NL), see <a href=\"#n1287134\" title=\"Acquisitions\">chapter 7.4.5</a>. </p>\n<p>These statements have been prepared on a going concern basis. </p>\n<p>The financial statements for 2023 were authorised for issue by the Executive Board (EB) and approved by the Supervisory Board (SB) on 2 April 2024. The financial statements 2023 will be presented to the Annual General Meeting (AGM) of Shareholders for adoption on 29 May 2024. </p>\n<h1 class=\"S_PARAGRAPH\" id=\"n1285858\"><span class=\"number\">7.6.11 </span><span class=\"title-text\">Operating and other expenses </span></h1>\n<h3 class=\"table-title\">Operating and other expenses </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:67%;\"/><col style=\"width:16%;\"/><col style=\"width:17%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>2023 </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>2022 </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Salaries and wages </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-463 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-316 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Social security contributions </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-64 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-41 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Employee benefit charges </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-88 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-61 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Employee discounts </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-3 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-3 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Other short-term employee benefits </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-24 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-12 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total cost of own staff </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-642 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-433 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Cost of external staff </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-94 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-98 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Consultancy costs and fees </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-151 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-111 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Marketing, advertising and public relations expenses </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-51 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-22 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Technology and system costs </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-125 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-71 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Amortisation of other intangible assets (chapter 7.5.1) </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-28 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-11 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Depreciation of property, plant and equipment (chapter 7.5.2) </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-24 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-17 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Restructuring provision expenses </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-58 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-4 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Commission expenses </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-778 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-612 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Costs associated with sale of development property </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-7 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-33 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Operating expenses of wind farms and solar parks </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-29 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-24 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Impairments on non-financial assets </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-13 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-1 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Release of the loss component for onerous contracts </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-18 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-15 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Other </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-383 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">14 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Amounts attributed to insurance acquisition cash flows </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">22 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">13 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Insurance acquisition cash flows recognised in profit or loss </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-15 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-2 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total operating and other expenses </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-2,393 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-1,427 </b></td></tr></tbody></table> <br/>\n<h3 class=\"table-title\">Presentation of the operating and other expenses in the income statement </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:auto;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>2023 </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>2022 </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Total operating expenses are presented in the following income statement line items: </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Insurance service expenses </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-1,227 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-1,050 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Investment operating expenses </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-216 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-70 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Other expenses </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-950 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-307 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total operating and other expenses </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-2,393 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-1,427 </b></td></tr></tbody></table> <br/>\n<p>The increase of total operating and other expenses primarily reflects the larger cost base including Aegon NL. The agreement with claim organisations on Unit Linked life insurance transparency resulted in an increase of other expenses of \u20ac\u00a0300 million and includes an additional provision of \u20ac\u00a050 million to facilitate\u00a0individual claims of customers in distressing situations (see <a href=\"#n1289145\" title=\"Provisions\">chapter 7.5.16</a>). </p>\n<h3 class=\"table-title\">Segmentation of a.s.r.'s internal workforce </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:auto;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;\">Segments </th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">2023 </th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">2022 </th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Non-life </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1,810 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,541 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Life </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">735 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">488 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Asset Management </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">808 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">409 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Banking </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">438 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">0 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Distribution and Services </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,396 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">745 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Holding and Other </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1,807 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,130 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total workforce </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>7,994 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>4,313 </b></td></tr></tbody></table> <br/>\n<p>The increase of a.s.r.'s total internal workforce is mainly the result of the acquisition of Aegon NL (see <a href=\"#n1287134\" title=\"Acquisitions\">chapter 7.4.5</a>). Total workforce of 2023 include 4,479 a.s.r. stand-alone colleagues and 3,515 ex-Aegon NL colleagues. </p>\n<p>Employees related to administrative activities and overhead are allocated to segment Holding and Other. </p>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfInformationAboutEmployeesExplanatory",
    "language": "en",
    "entity": "scheme:7245000G0HS48PZWUD53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "ixv-0": {
   "value": "ASR Nederland N.V.",
   "dimensions": {
    "concept": "ifrs-full:NameOfReportingEntityOrOtherMeansOfIdentification",
    "language": "en",
    "entity": "scheme:7245000G0HS48PZWUD53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "ixv-6": {
   "value": "in the fields of insurance, pensions, banking and mortgages for customers, businesses and employers. a.s.r. is also active as an asset manager for third parties.",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfNatureOfEntitysOperationsAndPrincipalActivities",
    "language": "en",
    "entity": "scheme:7245000G0HS48PZWUD53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "ixv-2": {
   "value": "public limited company",
   "dimensions": {
    "concept": "ifrs-full:LegalFormOfEntity",
    "language": "en",
    "entity": "scheme:7245000G0HS48PZWUD53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "ixv-4": {
   "value": "Archimedeslaan 10, 3584 BA",
   "dimensions": {
    "concept": "ifrs-full:AddressOfRegisteredOfficeOfEntity",
    "language": "en",
    "entity": "scheme:7245000G0HS48PZWUD53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "ixv-5": {
   "value": "Utrecht",
   "dimensions": {
    "concept": "ifrs-full:PrincipalPlaceOfBusiness",
    "language": "en",
    "entity": "scheme:7245000G0HS48PZWUD53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "ixv-1": {
   "value": "the Netherlands",
   "dimensions": {
    "concept": "ifrs-full:DomicileOfEntity",
    "language": "en",
    "entity": "scheme:7245000G0HS48PZWUD53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "ixv-3": {
   "value": "the Netherlands",
   "dimensions": {
    "concept": "ifrs-full:CountryOfIncorporation",
    "language": "en",
    "entity": "scheme:7245000G0HS48PZWUD53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "ixv-532": {
   "value": "\n<h1 class=\"S_PARAGRAPH\" id=\"n1286990\"><span class=\"number\">7.1.2 </span><span class=\"title-text\">Statement of compliance </span></h1>\n<p>The consolidated financial statements of a.s.r. have been prepared in accordance with IFRS \u2013 including the International Accounting Standards (IAS) and Interpretations \u2013 as adopted by the EU (EU-IFRS), and with the financial reporting requirements included in Title 9, Book 2 of the Dutch Civil Code, where applicable. a.s.r.'s interpretation of EU-IFRS is included in the a.s.r. accounting manual. The accounting policies included in <a href=\"#n1286070\" title=\"Accounting policies\">chapter 7.3</a> are a summary of the relevant accounting policies of the a.s.r. accounting manual. a.s.r. applies fair value hedge accounting for portfolio hedges of interest rate risk (macro hedging) under the EU \u2018carve out\u2019 of IFRS. </p>\n<p>Pursuant to the options offered by Section 362, Book 2 of the Dutch Civil Code, a.s.r. has prepared its company financial statements in accordance with the same principles as those used for the consolidated financial statements. </p>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfBasisOfPreparationOfFinancialStatementsExplanatory",
    "language": "en",
    "entity": "scheme:7245000G0HS48PZWUD53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
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   "value": "\n<h1 class=\"S_PARAGRAPH\" id=\"n1286990\"><span class=\"number\">7.1.2 </span><span class=\"title-text\">Statement of compliance </span></h1>\n<p>The consolidated financial statements of a.s.r. have been prepared in accordance with IFRS \u2013 including the International Accounting Standards (IAS) and Interpretations \u2013 as adopted by the EU (EU-IFRS), and with the financial reporting requirements included in Title 9, Book 2 of the Dutch Civil Code, where applicable. a.s.r.'s interpretation of EU-IFRS is included in the a.s.r. accounting manual. The accounting policies included in <a href=\"#n1286070\" title=\"Accounting policies\">chapter 7.3</a> are a summary of the relevant accounting policies of the a.s.r. accounting manual. a.s.r. applies fair value hedge accounting for portfolio hedges of interest rate risk (macro hedging) under the EU \u2018carve out\u2019 of IFRS. </p>\n<p>Pursuant to the options offered by Section 362, Book 2 of the Dutch Civil Code, a.s.r. has prepared its company financial statements in accordance with the same principles as those used for the consolidated financial statements. </p>",
   "dimensions": {
    "concept": "ifrs-full:StatementOfIFRSCompliance",
    "language": "en",
    "entity": "scheme:7245000G0HS48PZWUD53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
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  },
  "ixv-7": {
   "value": "649000000",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:IntangibleAssetsAndGoodwill",
    "entity": "scheme:7245000G0HS48PZWUD53",
    "period": "2024-01-01T00:00:00",
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   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:IntangibleAssetsAndGoodwill",
    "entity": "scheme:7245000G0HS48PZWUD53",
    "period": "2023-01-01T00:00:00",
    "unit": "iso4217:EUR"
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  },
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   "decimals": -6,
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    "concept": "ifrs-full:IntangibleAssetsAndGoodwill",
    "entity": "scheme:7245000G0HS48PZWUD53",
    "period": "2022-01-01T00:00:00",
    "unit": "iso4217:EUR"
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  "ixv-10": {
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   "decimals": -6,
   "dimensions": {
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    "entity": "scheme:7245000G0HS48PZWUD53",
    "period": "2024-01-01T00:00:00",
    "unit": "iso4217:EUR"
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  },
  "ixv-11": {
   "value": "679000000",
   "decimals": -6,
   "dimensions": {
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    "entity": "scheme:7245000G0HS48PZWUD53",
    "period": "2023-01-01T00:00:00",
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  },
  "ixv-12": {
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   "decimals": -6,
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    "concept": "ifrs-full:PropertyPlantAndEquipment",
    "entity": "scheme:7245000G0HS48PZWUD53",
    "period": "2022-01-01T00:00:00",
    "unit": "iso4217:EUR"
   }
  },
  "ixv-13": {
   "value": "3051000000",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:InvestmentProperty",
    "entity": "scheme:7245000G0HS48PZWUD53",
    "period": "2024-01-01T00:00:00",
    "unit": "iso4217:EUR"
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  },
  "ixv-14": {
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   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:InvestmentProperty",
    "entity": "scheme:7245000G0HS48PZWUD53",
    "period": "2023-01-01T00:00:00",
    "unit": "iso4217:EUR"
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  },
  "ixv-15": {
   "value": "2052000000",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:InvestmentProperty",
    "entity": "scheme:7245000G0HS48PZWUD53",
    "period": "2022-01-01T00:00:00",
    "unit": "iso4217:EUR"
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  },
  "ixv-16": {
   "value": "298000000",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:InvestmentAccountedForUsingEquityMethod",
    "entity": "scheme:7245000G0HS48PZWUD53",
    "period": "2024-01-01T00:00:00",
    "unit": "iso4217:EUR"
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  },
  "ixv-17": {
   "value": "79000000",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:InvestmentAccountedForUsingEquityMethod",
    "entity": "scheme:7245000G0HS48PZWUD53",
    "period": "2023-01-01T00:00:00",
    "unit": "iso4217:EUR"
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  },
  "ixv-18": {
   "value": "102000000",
   "decimals": -6,
   "dimensions": {
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   "value": "\n<div class=\"tanPageBreak start-node\"> </div>\n<h1 class=\"S_CHAPTER\" id=\"n1286070\"><span class=\"number\">7.3 </span><span class=\"title-text\"><b>Accounting</b> policies </span></h1>\n<h1 class=\"S_PARAGRAPH\" id=\"n1286092\"><span class=\"number\">7.3.1 </span><span class=\"title-text\">Changes in EU endorsed published IFRS Standards and Interpretations effective in 2023 </span></h1>\n<p>a.s.r. has adopted the following new standards, including any consequential amendments to other standards, with a date of initial application of 1 January 2023: </p><ul><li>\n<p>IFRS 17 Insurance contracts; </p></li><li>\n<p>IFRS 9 Financial instruments. </p></li></ul>\n<p>The impact of these changes on a.s.r.\u2019s profit before tax and shareholders returns is summarised below. In line with IFRS accounting requirements the comparative figures relating to IFRS 17 have been restated. In addition, a.s.r. has chosen to restate the comparative figures relating to IFRS 9 in line with the overlay approach as permitted under IFRS 17, ensuring better comparability between 2022 and 2023. Due to further analysis of the impact of IFRS 17 and IFRS 9 and harmonisation resulting from the Aegon NL acquisition, the comparative figures related to these standards show some adjustments in comparison to earlier presented comparative figures. </p>\n<p>With the exception of IFRS 17 and IFRS 9, there were no changes in EU endorsed published IFRS Standards and Interpretations that were relevant to a.s.r. </p>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n1286183\"><span class=\"number\">7.3.1.1 </span><span class=\"title-text\">IFRS 17 Insurance contracts </span></h1>\n<div class=\"header header-2\">Recognition, measurement and presentation of insurance contracts </div>\n<p>IFRS 17 establishes principles for the recognition, classification, measurement, presentation and disclosure of insurance contracts, reinsurance contracts and investment contracts with discretionary participating features. The standard introduces three models for the measurement of the insurance contracts. The general measurement model (GMM), the variable fee approach (VFA) for contracts with a direct participating feature and the premium allocation approach (PAA) which is a simplified version of the GMM and is used mainly for short-duration contracts. </p>\n<p>The GMM and VFA measure insurance liabilities as the total of the present value of future cash flows (inflows as well as outflows), the risk adjustment (RA) and a contractual service margin (CSM). The CSM represents the unearned profits of insurance contracts and is released to the income statement over the expected insurance coverage period and recognised as revenue in each reporting period. The insurance contract revenue depicts the insurance contract services provided arising from the group of insurance contracts at an amount that reflects the consideration to which a.s.r. is entitled to in exchange for those services. Revenue includes the release of the CSM and RA in profit or loss over the coverage period. Insurance service result, comprising of insurance contract revenue and insurance service expenses, is a new income statement line item which is effectively a net result on non-financial risks of all insurance contracts. </p>\n<p>Shadow accounting and recognising a provision for realised gains and losses has been discontinued under IFRS 17. </p>\n<p>Insurance finance income and expenses are presented separately from insurance contract revenue and insurance service expenses. </p>\n<p>The VFA is required for insurance contracts that meet specific requirements whereby a link between payments to the policyholder and the returns on underlying items, such as some \u2018participating\u2019, \u2018with profits\u2019 and \u2018unit linked\u2019 contracts, is key. The interest on the CSM for such contracts is accreted implicitly through adjusting the CSM for the change in the variable fee. The variable fee represents a.s.r.\u2019s share of the fair value of the underlying items less amounts that do not vary based on the return of the underlying items. The CSM is also adjusted for the time value of money and the effect of changes in financial risks not arising from underlying items such as options and guarantees. </p>\n<p>a.s.r. applies the PAA to simplify the measurement of contracts in the Non-life segment, except for certain groups of Non-life contracts which do not qualify for the PAA. a.s.r. uses the PAA as the default measurement model for reinsurance contracts with a coverage period of one year or less, but the business line has the option to choose the GMM. </p>\n<p>When measuring liabilities for remaining coverage, the PAA is similar to a.s.r.\u2019s previous accounting treatment. When measuring liabilities for incurred claims, a.s.r. discounts cash flows that are expected to occur more than one year after the date on which the claims are incurred and includes an explicit risk adjustment for non-financial risk. </p>\n<p>Previously, all acquisition costs were recognised directly in profit or loss. Under IFRS 17, insurance acquisition cash flows that arise before the recognition of the related insurance contracts are recognised as separate assets and are tested for recoverability when triggers are identified. These assets are presented in the carrying amount of the insurance contract liabilities and are included in the insurance contract cash flows once the related contracts have been recognised. Under the GMM and VFA, insurance acquisition cash flows are included in the estimates of the present value of future cash flows of insurance contracts and released to profit or loss in a systematic way based on the passage of time. For contracts under the PAA model a.s.r. made the election to recognise insurance acquisition cash flows directly in the income statement. </p>\n<p>Income and expenses from reinsurance contracts held, other than insurance finance income and expenses, are included within the insurance service result in the income statement, but separate from the insurance contracts. </p>\n<p>For more information reference is made to accounting policy <a href=\"#n1286397\" title=\"F1. Insurance contracts\">F</a>. </p>\n<p>Under the former a.s.r. accounting policies (IFRS 4) the main principles applied were: </p><ul><li>\n<p>Future obligations in respect of policy benefits for life insurance contracts were calculated based on a net premium method (the present value of future obligations less the present value of future net premiums) using the same principles as for calculating the premium at inception of the insurance contract \u2018tarief grondslagen\u2019. </p></li><li>\n<p>For Non-life a provision for claims, a provision for current risks, and a provision for unearned premiums was recognised. The provision for claims was based on estimates of claims payable. Claims payable related to unpaid claims and claims handling costs, as well as claims incurred but not reported. </p></li><li>\n<p>Shadow accounting was applied allowing recognised unrealised gains or losses on assets (either through other comprehensive income or profit or loss) to be transferred to the insurance liabilities. </p></li><li>\n<p>A provision for realised gains and losses as part of the insurance liability was recognised. </p></li><li>\n<p>The liability adequacy test (LAT) was performed each reporting date to assess the adequacy of insurance liabilities. For this test, the insurance liabilities were calculated in accordance with Solvency II, using the Ultimate Forward Rate prevailing at the reporting date. </p></li><li>\n<p>All acquisition costs were recognised in the income statement when incurred. </p></li><li>\n<p>Revenue for insurance contracts was recognised when premiums were earned or received. </p></li><li>\n<p>The reinsurance expenses were presented under net insurance premiums and amounts recovered from reinsurers were presented under net insurance claims and benefits. </p></li><li>\n<p>Value of Business acquired (VOBA) represented the difference between the fair value and the carrying amount of insurance portfolios that had been acquired. </p></li><li>\n<p>Receivables and payables in relation to insurance contracts were presented under loans and receivables and due to customers. </p></li></ul>\n<div class=\"header header-2\">Transition </div>\n<p>Changes in accounting policies resulting from the adoption of IFRS 17 have been applied retrospectively to the extent practicable. At 1 January 2022, a.s.r.: </p><ul><li>\n<p>Identified, recognised and measured each group of contracts using the full retrospective approach (as if IFRS 17 had always been applied), the modified retrospective approach or the fair value approach. </p></li><li>\n<p>Identified, recognised and measured any assets for prepaid insurance acquisition cash flows as if IFRS 17 had always been applied. </p></li><li>\n<p>Derecognised previously reported balances that would not have existed if IFRS 17 had always been applied. These included the intangible assets \u2018value of business acquired\u2019, insurance receivables and insurance payables. Under IFRS 17, these are included in the measurement of the insurance contracts liabilities and assets. </p></li><li>\n<p>Recognised any resulting net difference in equity. The carrying amount of goodwill from previous business combinations was not adjusted. </p></li></ul>\n<p>Notwithstanding the above, for certain groups of contracts IFRS 17 has not been applied retrospectively, because data was not available. In these cases, a.s.r. applied the modified retrospective approach or the fair value approach as allowed by IFRS 17 at 1 January 2022. To indicate the effect of these groups of contracts on the CSM and insurance contract revenue, a.s.r. has provided additional disclosures. See <a href=\"#n1288783\" title=\"Insurance contract liabilities and reinsurance contract assets\">chapter 7.5.13</a> and <a href=\"#n1288943\" title=\"Liabilities arising from direct participating insurance contracts\">chapter 7.5.14</a>. </p>\n<p>a.s.r. has applied the transition provisions in IFRS 17 and has disclosed the effect on the consolidated financial statements at 1 January 2022 in chapter 3.4 of the consolidated interim statement of changes in equity, and in chapter 4.2.3 financial impact of changes in accounting policies and changes in presentation. The application of the transition measurement methods are presented below: </p>\n<h3 class=\"table-title\">Transition measurement methods for contracts measured under the GMM or PAA </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:11%;\"/><col style=\"width:19%;\"/><col style=\"width:29%;\"/><col style=\"width:41%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:middle;\"><b>Segment </b></th><th class=\"startCol-2 endCol-2 valign-middle border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:middle;\"><b>Product </b></th><th class=\"startCol-3 endCol-3 valign-middle border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:middle;\"><b>Reporting year date </b></th><th class=\"startCol-4 endCol-4 valign-middle border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:middle;\"><b>Transition measurement method </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Non-life </td><td class=\"startCol-2 endCol-2 valign-bottom border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">P&amp;C </td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-bottom border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Full retrospective approach </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-bottom border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Disability </td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-bottom border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Modified retrospective approach or Fair value approach </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-bottom border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Health </td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-bottom border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Full retrospective approach </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Life </td><td class=\"startCol-2 endCol-2 valign-bottom border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Life individual </td><td class=\"startCol-3 endCol-3 valign-bottom border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Contracts after 1-1-2016 </td><td class=\"startCol-4 endCol-4 valign-bottom border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Full retrospective approach </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-bottom border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Contracts before 1-1-2016 </td><td class=\"startCol-4 endCol-4 valign-bottom border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Fair value approach </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-bottom border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Pension </td><td class=\"startCol-3 endCol-3 valign-bottom border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Acquisitions after 1-1-2018 </td><td class=\"startCol-4 endCol-4 valign-bottom border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Full retrospective approach </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-bottom border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Other contracts </td><td class=\"startCol-4 endCol-4 valign-bottom border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Fair value approach </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-bottom border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Funeral </td><td class=\"startCol-3 endCol-3 valign-bottom border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Contracts after 1-1-2002 </td><td class=\"startCol-4 endCol-4 valign-bottom border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Full retrospective approach </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-bottom border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Contracts before 1-1-2002 </td><td class=\"startCol-4 endCol-4 valign-bottom border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Fair value approach </td></tr></tbody></table> <br/>\n<div class=\"header header-4\">Modified retrospective approach </div>\n<p>The objective of the modified retrospective approach is to achieve the closest outcome possible to the full retrospective approach using reasonable and supportable information available without undue cost or effort. a.s.r. applies each of the following modifications only to the extent that it did not have reasonable and supportable information to apply IFRS 17 retrospectively. </p>\n<p>Modifications on transition for insurance contracts measured under the GMM: </p><ul><li>\n<p>Some groups of insurance contracts issued before 1 January 2022 contain contracts issued more than one year apart. For these groups, the discount rate at 1 January 2022 was used for subsequent measurement instead of the discount rate on initial recognition. These contracts represent 5.5% of the total insurance contracts liabilities at 1 January 2022. </p></li></ul>\n<p>When the modification above was used to determine the CSM (or the loss component) on initial recognition: </p><ul><li>\n<p>The amount of the CSM recognised in the income statement before 1 January 2022 was determined by comparing the CSM on initial recognition and the remaining CSM at 1 January 2022; and </p></li><li>\n<p>The amount allocated to the loss component before 1 January 2022 was determined using the proportion of the loss component relative to the total estimate of the present value of the future cash outflows plus the risk adjustment for non-financial risk on initial recognition. </p></li></ul>\n<div class=\"header header-4\">Fair value approach </div>\n<p>For certain groups of contracts, the fair value approach was used for identifying and measuring groups of contracts at 1 January 2022. Under the fair value approach, a.s.r. determines the CSM (or loss component) as at 1 January 2022 for a group of insurance contracts based on the difference between the fair value of the group and the fulfilment cash flows. When the fair value approach is used a.s.r. does not apply annual cohorts. For these groups the discount rate at 1 January 2022 is used. When insurance contracts have been acquired that contain only a liability for incurred claims a.s.r. has applied the policy choice to continue this accounting at transition date. These contracts represent 63.9% of the total insurance contracts liabilities at 1 January 2022. </p>\n<div class=\"header header-3\">Non-life insurance contracts </div>\n<p>P&amp;C and Health applied the full retrospective approach. Individual disability and absenteeism insurance applied the fair value approach. Group disability applied the modified retrospective approach. </p>\n<div class=\"header header-3\">Life insurance contracts </div>\n<p>On transition to IFRS 17, a.s.r. applied the full retrospective approach for all Life individual contracts issued or acquired on or after 1 January 2016, for all Pension portfolios acquired after 1 January 2018 and for all funeral contracts issued or acquired on or after 1 January 2002. For all other contracts a.s.r. applies the fair value approach in identifying and measuring groups of contracts. </p>\n<div class=\"header header-3\">Direct participating insurance contracts </div>\n<p>a.s.r. applied the fair value approach for all groups of contracts issued or acquired before 1 January 2022. </p>\n<p>If the calculation resulted in a CSM, then a.s.r. measured the CSM at 1 January 2022. If the calculation resulted in a loss component, then a.s.r. adjusted the loss component to zero, and increased the liability for remaining coverage. In effect the adjustment to zero is incorporated in equity of the opening balance at transition date. </p>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n1286114\"><span class=\"number\">7.3.1.2 </span><span class=\"title-text\">IFRS 9 Financial instruments </span></h1>\n<div class=\"header header-2\">See accounting policy E. </div>\n<div class=\"header header-2\">Classification of financial assets and financial liabilities </div>\n<p>IFRS 9 includes three principal classification categories for financial assets: measured at amortised cost, fair value through other comprehensive income (FVOCI) and fair value through profit or loss (FVTPL). The classification and measurement of financial assets under IFRS 9 is based on a.s.r.\u2019s business models, in which a financial asset is managed, and its contractual cash flow characteristics. In many instances, the classification and measurement under IFRS 9 will be similar to IAS 39, although certain differences will arise. The classification of financial liabilities remains unchanged. Derivatives embedded in contracts for which the host is a financial asset in scope of IFRS 9 are not separated. Instead the hybrid financial instrument as a whole is assessed for classification which is in line with a.s.r.\u2019s previous classification under IAS 39. </p>\n<div class=\"header header-2\">Impairment of financial assets </div>\n<p>The recognition and measurement of impairments under IFRS 9 is intended to be more forward looking than under IAS 39. The new impairment requirement will apply to all financial assets that are debt instruments and are measured at amortised cost or at fair value through other comprehensive income. Initially, a provision is required for expected credit losses (ECL) resulting from default events that are expected within the next twelve months. In the event of a significant increase in credit risk, a provision is required for ECL resulting from all possible default events over the expected life of the financial asset. For trade receivables that do not contain a significant financing component, the loss allowance should be measured at initial recognition and throughout the life of the receivable at an amount equal to lifetime ECL (simplified approach). Under IFRS 9, credit losses are recognised earlier than under IAS 39. For a.s.r. only other financial assets were in scope of the impairment requirement at transition date, for which a.s.r. applies the simplified approach. </p>\n<div class=\"header header-2\">Hedge accounting </div>\n<p>The hedge accounting requirements of IFRS 9 introduce a new general hedge accounting model. At first application of IFRS 9 a.s.r. decided not to apply hedge accounting in relation to its insurance business. </p>\n<div class=\"header header-2\">Transition </div>\n<p>Changes in accounting policies resulting from the adoption of IFRS 9 have been applied retrospectively, except the following assessments have been made based on the facts and circumstances that existed at 1 January 2023: </p><ul><li>\n<p>The determination of the business models within which certain financial assets are held. </p></li><li>\n<p>The designation and revocation of previous designations of certain financial assets as measured at FVTPL. </p></li><li>\n<p>In line with Solvency II reporting a.s.r. accounts for debt instruments at their \u201cdirty\u201d fair value, thus including any related accrued interest. </p></li></ul>\n<p>Details of the changes and implications resulting from the adoption of IFRS 9 are presented in <a href=\"#n1286138\" title=\"Financial impact of changes in accounting policies and changes in presentation\">chapter 7.3.1.3</a> and <a href=\"#n1286160\" title=\"Transition to IFRS 9\">chapter 7.3.1.4</a> below. </p>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n1286138\"><span class=\"number\">7.3.1.3 </span><span class=\"title-text\">Financial impact of changes in accounting policies and changes in presentation </span></h1>\n<p>Below, the reconciliation of the 2022 opening and closing consolidated balance sheet is disclosed to account for the impact of IFRS 17 and IFRS 9. </p>\n<div class=\"tanPageBreak newPage\"> </div>\n<h3 class=\"table-title\">Reconciliation of the consolidated balance sheet 31 December 2022 </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:auto;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:middle;\">(in \u20ac\u00a0millions) </th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>31 December 2022 </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Reclassification </b></th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Remeasurement IFRS9 </b></th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Remeasurement IFRS17 </b></th><th class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Restated <br/>31 December 2022 </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Intangible assets </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">418 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">-96 </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">322 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Property, plant and equipment </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1\" style=\"text-align:right;vertical-align:middle;\">679 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">679 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Investment property </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1\" style=\"text-align:right;vertical-align:middle;\">664 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">664 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Associates and joint ventures at equity method </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1\" style=\"text-align:right;vertical-align:middle;\">79 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">79 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Investments </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1\" style=\"text-align:right;vertical-align:middle;\">25,640 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">16,726 </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">-1,289 </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">41,077 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Investments on behalf of policyholders </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1\" style=\"text-align:right;vertical-align:middle;\">9,912 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">-9,912 </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Investments related to direct participating contracts </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">9,912 </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">9,912 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Investments related to investment contracts </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1\" style=\"text-align:right;vertical-align:middle;\">2,000 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">-2,000 </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Loans and receivables </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1\" style=\"text-align:right;vertical-align:middle;\">17,171 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">-17,171 </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Derivatives </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1\" style=\"text-align:right;vertical-align:middle;\">5,428 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">334 </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">5,761 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Deferred tax assets </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1\" style=\"text-align:right;vertical-align:middle;\">119 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">332 </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">-134 </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">318 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Reinsurance contracts </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1\" style=\"text-align:right;vertical-align:middle;\">357 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">-357 </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Reinsurance contract assets </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">418 </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">-37 </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">381 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Other assets </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1\" style=\"text-align:right;vertical-align:middle;\">828 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">-368 </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">460 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Cash and cash equivalents </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">2,245 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-bottom-1 border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">1 </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-bottom-1 border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-bottom-1 border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-bottom-1 border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">2,246 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total assets </b></td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>65,539 </b></td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>-2,417 </b></td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>-956 </b></td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>-267 </b></td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>61,899 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Share capital </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1\" style=\"text-align:right;vertical-align:middle;\">24 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">24 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Share premium reserve </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1\" style=\"text-align:right;vertical-align:middle;\">1,533 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">1,533 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Unrealised gains and losses </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1\" style=\"text-align:right;vertical-align:middle;\">-922 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">1,187 </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">266 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Actuarial gains and losses </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1\" style=\"text-align:right;vertical-align:middle;\">-168 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">-168 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Retained earnings </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1\" style=\"text-align:right;vertical-align:middle;\">5,333 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">-1,185 </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">-956 </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">377 </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">3,569 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Treasury shares </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">-79 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-bottom-1 border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-bottom-1 border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-bottom-1 border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-bottom-1 border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">-79 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Equity attributable to shareholders </b></td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>5,722 </b></td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>3 </b></td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>-956 </b></td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>377 </b></td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>5,146 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Other equity instruments </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">1,004 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-bottom-1 border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-bottom-1 border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-bottom-1 border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-bottom-1 border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">1,004 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Equity attributable to holders of equity instruments </b></td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>6,726 </b></td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>3 </b></td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>-956 </b></td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>377 </b></td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>6,150 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Non-controlling interests </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">27 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-bottom-1 border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-bottom-1 border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-bottom-1 border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-bottom-1 border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">27 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total equity </b></td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>6,753 </b></td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>3 </b></td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>-956 </b></td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>377 </b></td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>6,177 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Subordinated liabilities </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1\" style=\"text-align:right;vertical-align:middle;\">1,980 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">26 </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">2,005 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Liabilities arising from insurance contracts </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1\" style=\"text-align:right;vertical-align:middle;\">29,633 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">-29,633 </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Liabilities arising from insurance contracts on behalf of policyholders </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1\" style=\"text-align:right;vertical-align:middle;\">13,007 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">-13,007 </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Insurance contract liabilities </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">32,150 </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">-509 </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">31,640 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Liabilities arising from direct participating insurance contracts </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">10,598 </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">-135 </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">10,463 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Liabilities arising from investment contracts </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1\" style=\"text-align:right;vertical-align:middle;\">2,000 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">-2,000 </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Employee benefits </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1\" style=\"text-align:right;vertical-align:middle;\">2,742 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">2,742 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Provisions </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1\" style=\"text-align:right;vertical-align:middle;\">18 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">18 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Borrowings </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1\" style=\"text-align:right;vertical-align:middle;\">214 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">-26 </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">188 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Derivatives </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1\" style=\"text-align:right;vertical-align:middle;\">5,523 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">159 </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">5,681 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Due to customers </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1\" style=\"text-align:right;vertical-align:middle;\">471 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">-471 </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Due to banks </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1\" style=\"text-align:right;vertical-align:middle;\">2,262 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">2 </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">2,264 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Other liabilities </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">938 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-bottom-1 border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">-217 </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-bottom-1 border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-bottom-1 border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-bottom-1 border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">721 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total liabilities </b></td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>58,787 </b></td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>-2,420 </b></td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\"><b>- </b></td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>-644 </b></td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>55,723 </b></td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total equity and liabilities </b></td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>65,539 </b></td><td class=\"startCol-3 endCol-3 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>-2,417 </b></td><td class=\"startCol-4 endCol-4 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>-956 </b></td><td class=\"startCol-5 endCol-5 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>-267 </b></td><td class=\"startCol-6 endCol-6 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>61,899 </b></td></tr></tbody></table> <br/>\n<div class=\"tanPageBreak newPage\"> </div>\n<h3 class=\"table-title\">Reconciliation of the consolidated balance sheet 1 January 2022 </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:auto;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:middle;\">(in \u20ac\u00a0millions) </th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>31 December 2021 </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Reclassification </b></th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Remeasurement IFRS9 </b></th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Remeasurement IFRS17 </b></th><th class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Restated <br/>1 January 2022 </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Intangible assets </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">428 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">-119 </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">310 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Property, plant and equipment </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1\" style=\"text-align:right;vertical-align:middle;\">556 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">556 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Investment property </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1\" style=\"text-align:right;vertical-align:middle;\">2,052 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">2,052 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Associates and joint ventures at equity method </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1\" style=\"text-align:right;vertical-align:middle;\">102 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">102 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Investments </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1\" style=\"text-align:right;vertical-align:middle;\">33,550 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">14,602 </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">1,458 </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">49,609 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Investments on behalf of policyholders </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1\" style=\"text-align:right;vertical-align:middle;\">11,574 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">-11,574 </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Investments related to direct participating contracts </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">11,574 </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">11,574 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Investments related to investment contracts </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1\" style=\"text-align:right;vertical-align:middle;\">1,952 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">-1,952 </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Loans and receivables </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1\" style=\"text-align:right;vertical-align:middle;\">15,259 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">-15,259 </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Derivatives </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1\" style=\"text-align:right;vertical-align:middle;\">6,212 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">229 </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">6,441 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Reinsurance contracts </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1\" style=\"text-align:right;vertical-align:middle;\">417 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">-417 </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Reinsurance contract assets </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">488 </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">34 </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">522 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Other assets </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1\" style=\"text-align:right;vertical-align:middle;\">631 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">-71 </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">560 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Cash and cash equivalents </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">2,306 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-bottom-1 border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">-1 </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-bottom-1 border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-bottom-1 border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-bottom-1 border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">2,305 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total assets </b></td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>75,040 </b></td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>-2,382 </b></td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>1,458 </b></td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>-85 </b></td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>74,032 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Share capital </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1\" style=\"text-align:right;vertical-align:middle;\">22 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">22 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Share premium reserve </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1\" style=\"text-align:right;vertical-align:middle;\">956 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">956 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Unrealised gains and losses </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1\" style=\"text-align:right;vertical-align:middle;\">1,461 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">-745 </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">717 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Actuarial gains and losses </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1\" style=\"text-align:right;vertical-align:middle;\">-1,055 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">-1,055 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Retained earnings </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1\" style=\"text-align:right;vertical-align:middle;\">5,061 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">742 </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">1,082 </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">-1,271 </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">5,613 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Treasury shares </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">-83 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-bottom-1 border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-bottom-1 border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-bottom-1 border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-bottom-1 border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">-83 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Equity attributable to shareholders </b></td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>6,363 </b></td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>-3 </b></td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>1,082 </b></td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>-1,271 </b></td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>6,170 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Other equity instruments </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">1,004 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-bottom-1 border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-bottom-1 border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-bottom-1 border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-bottom-1 border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">1,004 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Equity attributable to holders of equity instruments </b></td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>7,367 </b></td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>-3 </b></td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>1,082 </b></td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>-1,271 </b></td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>7,174 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Non-controlling interests </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">18 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-bottom-1 border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-bottom-1 border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-bottom-1 border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-bottom-1 border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">18 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total equity </b></td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>7,385 </b></td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>-3 </b></td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>1,082 </b></td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>-1,271 </b></td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>7,192 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Subordinated liabilities </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1\" style=\"text-align:right;vertical-align:middle;\">992 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">18 </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">1,010 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Liabilities arising from insurance contracts </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1\" style=\"text-align:right;vertical-align:middle;\">37,797 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">-37,797 </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Liabilities arising from insurance contracts on behalf of policyholders </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1\" style=\"text-align:right;vertical-align:middle;\">14,566 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">-14,566 </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Insurance contract liabilities </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">40,383 </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">1,615 </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">41,998 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Liabilities arising from direct participating insurance contracts </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">12,160 </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">15 </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">12,175 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Liabilities arising from investment contracts </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1\" style=\"text-align:right;vertical-align:middle;\">1,952 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">-1,952 </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Employee benefits </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1\" style=\"text-align:right;vertical-align:middle;\">4,013 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">4,013 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Provisions </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1\" style=\"text-align:right;vertical-align:middle;\">24 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">24 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Borrowings </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1\" style=\"text-align:right;vertical-align:middle;\">192 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">-26 </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">165 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Deferred tax liabilities </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1\" style=\"text-align:right;vertical-align:middle;\">69 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">376 </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">-443 </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">3 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Derivatives </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1\" style=\"text-align:right;vertical-align:middle;\">759 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">73 </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">832 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Due to customers </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1\" style=\"text-align:right;vertical-align:middle;\">573 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">-573 </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Due to banks </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1\" style=\"text-align:right;vertical-align:middle;\">5,741 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">5,741 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Other liabilities </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">976 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-bottom-1 border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">-98 </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-bottom-1 border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-bottom-1 border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-bottom-1 border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">878 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total liabilities </b></td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>67,655 </b></td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>-2,379 </b></td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>376 </b></td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>1,187 </b></td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>66,839 </b></td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total equity and liabilities </b></td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>75,040 </b></td><td class=\"startCol-3 endCol-3 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>-2,382 </b></td><td class=\"startCol-4 endCol-4 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>1,458 </b></td><td class=\"startCol-5 endCol-5 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>-85 </b></td><td class=\"startCol-6 endCol-6 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>74,032 </b></td></tr></tbody></table> <br/>\n<p>The adoption of IFRS 9 and 17 has had the following impact on a.s.r.\u2019s basic and diluted earnings per ordinary share for the year ended 31 December 2022: </p><ul><li>\n<p>For basic earnings per share, a decrease of \u20ac\u00a017.83; and </p></li><li>\n<p>For diluted earnings per share, a decrease of \u20ac\u00a015.39. </p></li></ul>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n1286160\"><span class=\"number\">7.3.1.4 </span><span class=\"title-text\">Transition to IFRS 9 </span></h1>\n<p>The following table contains the original measurement category and carrying amount under IAS 39 and the new measurement category and carrying amount under IFRS 9 for each class of financial assets and financial liabilities as at 1 January 2023. Also included are the reclasses related to amongst others the 'dirty' fair value. See accounting policy <a href=\"#n1286373\" title=\"E. Financial assets and financial liabilities\">E</a>. </p>\n<h3 class=\"table-title\">Original measurement category and carrying amount under IAS 39 and the new measurement category and carrying amount under IFRS 9 as at 1 January 2023 </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:0%;\"/><col style=\"width:20%;\"/><col style=\"width:20%;\"/><col style=\"width:12%;\"/><col style=\"width:12%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;\"><b>(in \u20ac\u00a0millions) </b></th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Original classification under IAS 39 </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>New classification under IFRS 9 </b></th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Original carrying amount </b></th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>New carrying amount </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Financial assets </b></td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Investments </b></td><td class=\"startCol-2 endCol-2 valign-top border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Investments - transferred under repurchase agreements </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Government bonds </td><td class=\"startCol-2 endCol-2 valign-bottom align-left border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Available for sale </td><td class=\"startCol-3 endCol-3 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">FVTPL (mandatory) </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">432 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">437 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Investments - own risk </b></td><td class=\"startCol-2 endCol-2 valign-top border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Real estate equity funds </td><td class=\"startCol-2 endCol-2 valign-bottom align-left border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:bottom;\">FVTPL </td><td class=\"startCol-3 endCol-3 valign-bottom align-left border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\">FVTPL (mandatory) </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1\" style=\"text-align:right;vertical-align:bottom;\">4,105 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1\" style=\"text-align:right;vertical-align:bottom;\">4,092 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Mortgage equity funds </td><td class=\"startCol-2 endCol-2 valign-bottom align-left border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">FVTPL </td><td class=\"startCol-3 endCol-3 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">FVTPL (mandatory) </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">684 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">705 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Mortgage equity funds </td><td class=\"startCol-2 endCol-2 valign-bottom align-left border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Available for sale </td><td class=\"startCol-3 endCol-3 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">FVTPL (mandatory) </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">303 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">303 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Government bonds </td><td class=\"startCol-2 endCol-2 valign-bottom align-left border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Available for sale </td><td class=\"startCol-3 endCol-3 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">FVTPL (mandatory) </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">8,794 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">8,872 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Corporate bonds </td><td class=\"startCol-2 endCol-2 valign-bottom align-left border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Available for sale </td><td class=\"startCol-3 endCol-3 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">FVTPL (mandatory) </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">7,188 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">7,272 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Asset-backed securities </td><td class=\"startCol-2 endCol-2 valign-bottom align-left border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Available for sale </td><td class=\"startCol-3 endCol-3 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">FVTPL (mandatory) </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">416 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">413 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Preference shares </td><td class=\"startCol-2 endCol-2 valign-bottom align-left border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Available for sale </td><td class=\"startCol-3 endCol-3 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">FVOCI </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">289 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">297 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Other investment funds </td><td class=\"startCol-2 endCol-2 valign-bottom align-left border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Available for sale </td><td class=\"startCol-3 endCol-3 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">FVTPL (mandatory) </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,596 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,588 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Other investment funds </td><td class=\"startCol-2 endCol-2 valign-bottom align-left border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">FVTPL </td><td class=\"startCol-3 endCol-3 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">FVTPL (mandatory) </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">16 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">16 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Equities </td><td class=\"startCol-2 endCol-2 valign-bottom align-left border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Available for sale </td><td class=\"startCol-3 endCol-3 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">FVOCI </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,743 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,743 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Equities </td><td class=\"startCol-2 endCol-2 valign-bottom align-left border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">FVTPL </td><td class=\"startCol-3 endCol-3 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">FVTPL </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">67 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">67 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Other participating contracts </td><td class=\"startCol-2 endCol-2 valign-bottom align-left border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Available for sale </td><td class=\"startCol-3 endCol-3 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">FVOCI </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">6 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">6 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Government and public sector loans </td><td class=\"startCol-2 endCol-2 valign-bottom align-left border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Amortised Cost </td><td class=\"startCol-3 endCol-3 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">FVTPL (mandatory) </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">221 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">227 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Mortgage loans </td><td class=\"startCol-2 endCol-2 valign-bottom align-left border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Amortised Cost </td><td class=\"startCol-3 endCol-3 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">FVTPL (mandatory) </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">10,366 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">9,074 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Loans to credit institutions </td><td class=\"startCol-2 endCol-2 valign-bottom align-left border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Amortised Cost </td><td class=\"startCol-3 endCol-3 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">FVTPL (mandatory) </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2,627 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2,644 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Other investments </td><td class=\"startCol-2 endCol-2 valign-bottom align-left border-left-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Amortised Cost </td><td class=\"startCol-3 endCol-3 valign-bottom align-left border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">FVTPL (mandatory) </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">3,352 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">3,320 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>42,206 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>41,077 </b></td></tr></tbody></table> <br/>\n<h3 class=\"table-title\">Original measurement category and carrying amount under IAS 39 and the new measurement category and carrying amount under IFRS 9 as at 1 January 2023 </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:0%;\"/><col style=\"width:20%;\"/><col style=\"width:20%;\"/><col style=\"width:12%;\"/><col style=\"width:12%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;\"><b>(in \u20ac\u00a0millions) </b></th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Original classification under IAS 39 </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>New classification under IFRS 9 </b></th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Original carrying amount </b></th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>New carrying amount </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Investments related to direct participating insurance contracts </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Real estate equity funds </td><td class=\"startCol-2 endCol-2 valign-bottom align-left border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">FVTPL </td><td class=\"startCol-3 endCol-3 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">FVTPL (mandatory) </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">170 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">170 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Mortgage equity funds </td><td class=\"startCol-2 endCol-2 valign-bottom align-left border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">FVTPL </td><td class=\"startCol-3 endCol-3 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">FVTPL (mandatory) </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">252 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">252 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Government bonds </td><td class=\"startCol-2 endCol-2 valign-bottom align-left border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">FVTPL </td><td class=\"startCol-3 endCol-3 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">FVTPL (mandatory) </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,526 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,543 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Corporate bonds </td><td class=\"startCol-2 endCol-2 valign-bottom align-left border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">FVTPL </td><td class=\"startCol-3 endCol-3 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">FVTPL (mandatory) </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,386 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,386 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Equities </td><td class=\"startCol-2 endCol-2 valign-bottom align-left border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">FVTPL </td><td class=\"startCol-3 endCol-3 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">FVTPL (mandatory) </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">6,504 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">6,486 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Other investments </td><td class=\"startCol-2 endCol-2 valign-bottom align-left border-left-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">FVTPL </td><td class=\"startCol-3 endCol-3 valign-bottom align-left border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">FVTPL (mandatory) </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">75 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">76 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>9,912 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>9,912 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Investments related to investment contracts </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Real estate equity funds </td><td class=\"startCol-2 endCol-2 valign-bottom align-left border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">FVTPL </td><td class=\"startCol-3 endCol-3 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Not applicable </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">97 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Government bonds </td><td class=\"startCol-2 endCol-2 valign-bottom align-left border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">FVTPL </td><td class=\"startCol-3 endCol-3 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Not applicable </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">261 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Corporate bonds </td><td class=\"startCol-2 endCol-2 valign-bottom align-left border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">FVTPL </td><td class=\"startCol-3 endCol-3 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Not applicable </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">149 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Equities </td><td class=\"startCol-2 endCol-2 valign-bottom align-left border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">FVTPL </td><td class=\"startCol-3 endCol-3 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Not applicable </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,449 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Other investments </td><td class=\"startCol-2 endCol-2 valign-bottom align-left border-left-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">FVTPL </td><td class=\"startCol-3 endCol-3 valign-bottom align-left border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Not applicable </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">44 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>2,000 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Derivatives assets </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-left border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:bottom;\">FVTPL </td><td class=\"startCol-3 endCol-3 valign-bottom align-left border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\">FVTPL (mandatory) </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1\" style=\"text-align:right;vertical-align:bottom;\">5,428 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1\" style=\"text-align:right;vertical-align:bottom;\">5,761 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Other financial assets </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-left border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:bottom;\">Amortised Cost </td><td class=\"startCol-3 endCol-3 valign-bottom align-left border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\">Amortised Cost </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1\" style=\"text-align:right;vertical-align:bottom;\">669 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1\" style=\"text-align:right;vertical-align:bottom;\">247 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Cash and cash equivalents </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-left border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:bottom;\">FVTPL </td><td class=\"startCol-3 endCol-3 valign-bottom align-left border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\">FVTPL (mandatory) </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1\" style=\"text-align:right;vertical-align:bottom;\">2,245 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1\" style=\"text-align:right;vertical-align:bottom;\">2,246 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total financial assets </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>62,459 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>59,243 </b></td></tr></tbody></table> <br/>\n<h3 class=\"table-title\">Original measurement category and carrying amount under IAS 39 and the new measurement category and carrying amount under IFRS 9 as at 1 January 2023 </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:0%;\"/><col style=\"width:20%;\"/><col style=\"width:20%;\"/><col style=\"width:12%;\"/><col style=\"width:12%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;\"><b>(in \u20ac\u00a0millions) </b></th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Original classification under IAS 39 </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>New classification under IFRS 9 </b></th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Original carrying amount </b></th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>New carrying amount </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Financial liabilities </b></td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Subordinated liabilities </td><td class=\"startCol-2 endCol-2 valign-bottom align-left border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Amortised cost </td><td class=\"startCol-3 endCol-3 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Amortised cost </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,980 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2,005 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Liabilities arising from investment contracts </td><td class=\"startCol-2 endCol-2 valign-bottom align-left border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">FVTPL </td><td class=\"startCol-3 endCol-3 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Not applicable </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2,000 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Borrowings (excluding lease liabilities) </td><td class=\"startCol-2 endCol-2 valign-bottom align-left border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Amortised cost </td><td class=\"startCol-3 endCol-3 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Amortised cost </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">152 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">126 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Due to customers </td><td class=\"startCol-2 endCol-2 valign-bottom align-left border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Amortised cost </td><td class=\"startCol-3 endCol-3 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Not applicable </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">471 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Derivatives liabilities </td><td class=\"startCol-2 endCol-2 valign-bottom align-left border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">FVTPL </td><td class=\"startCol-3 endCol-3 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">FVTPL (mandatory) </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">5,523 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">5,681 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Due to banks </td><td class=\"startCol-2 endCol-2 valign-bottom align-left border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Amortised cost </td><td class=\"startCol-3 endCol-3 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Amortised cost </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2,262 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2,264 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Other financial liabilities </td><td class=\"startCol-2 endCol-2 valign-bottom align-left border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Amortised cost </td><td class=\"startCol-3 endCol-3 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Amortised cost </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">200 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">55 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total financial liabilities </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>12,588 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>10,132 </b></td></tr></tbody></table> <br/>\n<h3 class=\"table-title\">Reconciliation of the carrying amount of financial assets under IAS 39 to IFRS 9 on 1 January 2023 - FVTPL </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:0%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;\"><b>FVTPL </b></th><th class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:middle;\"><b>31 December 2022 (IAS 39) </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Reclassification </b></th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Remeasurement </b></th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>1 January 2023 (IFRS 9) </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\"><b>Investments - transferred under repurchase agreements </b></td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:middle;\"><b>Government bonds </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">brought forward </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">reclassified from available for sale </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">432 </td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">reclassified from other assets </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">5 </td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">carried forward </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">437 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-left-1 border-right-1\" style=\"text-align:left;vertical-align:middle;\"><b>Investments - own risk </b></td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:middle;\"><b>Real estate equity funds </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">brought forward </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">4,105 </td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">remeasurement </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">-14 </td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">carried forward </td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">4,092 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:middle;\"><b>Mortgage equity funds </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">brought forward </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">684 </td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">reclassified from available for sale </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">303 </td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">remeasurement </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">21 </td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">carried forward </td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,008 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:middle;\"><b>Government bonds </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">brought forward </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">reclassified from available for sale </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">8,794 </td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">reclassified from other assets </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">77 </td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">carried forward </td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">8,872 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:middle;\"><b>Corporate bonds </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">brought forward </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">reclassified from available for sale </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">7,188 </td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">reclassified from other assets </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">85 </td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">carried forward </td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">7,272 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:middle;\"><b>Asset-backed securities </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">brought forward </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">reclassified from available for sale </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">416 </td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">reclassified from other assets </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2 </td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">remeasurement </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">-4 </td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">carried forward </td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">413 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:middle;\"><b>Other investment funds </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">brought forward </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">16 </td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">reclassified from available for sale </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,596 </td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">remeasurement </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">-7 </td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">carried forward </td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,605 </td></tr></tbody></table> <br/>\n<h3 class=\"table-title\">Reconciliation of the carrying amount of financial assets under IAS 39 to IFRS 9 on 1 January 2023 - FVTPL </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:0%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;\"><b>FVTPL </b></th><th class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:middle;\"><b>31 December 2022 (IAS 39) </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Reclassification </b></th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Remeasurement </b></th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>1 January 2023 (IFRS 9) </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\"><b>Equities </b></td><td class=\"startCol-2 endCol-2 valign-middle align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">67 </td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">67 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:middle;\"><b>Government and public sector loans </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">brought forward </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">reclassified from loans and receivables </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">221 </td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">reclassified from other assets </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2 </td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">remeasurement </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">4 </td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">carried forward </td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">227 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:middle;\"><b>Mortgage loans </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">brought forward </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">reclassified from loans and receivables </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">10,366 </td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">reclassified from other assets </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">22 </td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">remeasurement </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">-1,314 </td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">carried forward </td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">9,074 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:middle;\"><b>Loans to credit institutions </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">brought forward </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">reclassified from loans and receivables </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2,601 </td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">reclassified from other assets </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">3 </td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">reclassified to investments related to investment contracts </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-27 </td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">remeasurement </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">67 </td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">carried forward </td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2,644 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:middle;\"><b>Other investments </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">brought forward </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">reclassified from loans and receivables </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">3,352 </td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">reclassified from other assets </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">10 </td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">remeasurement </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">-42 </td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">carried forward </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">3,320 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:middle;\"><b>Investments related to direct participating insurance contracts </b></td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">9,912 </td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1\" style=\"text-align:right;vertical-align:bottom;\">9,912 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:middle;\"><b>Investments related to investment contracts </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">brought forward </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">2,000 </td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">reclassified from loans and receivables </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">27 </td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">reclassified from liabilities arising from investment contracts </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-2,027 </td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">carried forward </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:middle;\"><b>Derivatives assets </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">brought forward </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">5,428 </td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">reclassified from other assets </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">334 </td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">carried forward </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">5,761 </td></tr></tbody></table> <br/>\n<h3 class=\"table-title\">Reconciliation of the carrying amount of financial assets under IAS 39 to IFRS 9 on 1 January 2023 - FVTPL </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:auto;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;\"><b>FVTPL </b></th><th class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:middle;\"><b>31 December 2022 (IAS 39) </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Reclassification </b></th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Remeasurement </b></th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>1 January 2023 (IFRS 9) </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\"><b>Cash and cash equivalents </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">brought forward </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">2,245 </td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">reclassified from other assets </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1 </td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">carried forward </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2,246 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total FVTPL </b></td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>24,457 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>33,781 </b></td><td class=\"startCol-4 endCol-4 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>-1,289 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>56,950 </b></td></tr></tbody></table> <br/>\n<h3 class=\"table-title\">Reconciliation of the carrying amount of financial assets under IAS 39 to IFRS 9 on 1 January 2023 \u2013 FVOCI </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:0%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;\"><b>FVOCI </b></th><th class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:middle;\"><b>31 December 2022 (IAS 39) </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Reclassification </b></th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Remeasurement </b></th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>1 January 2023 (IFRS 9) </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\"><b>Investments </b></td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:middle;\"><b>Equities </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">brought forward </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">reclassified from available for sale </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,743 </td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">carried forward </td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,743 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:middle;\"><b>Preference shares </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">brought forward </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">reclassified from available for sale </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">289 </td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">reclassified from other assets </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">8 </td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">carried forward </td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">297 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:middle;\"><b>Other participating contracts </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">brought forward </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">reclassified from available for sale </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">6 </td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">carried forward </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">6 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total FVOCI </b></td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\"><b>- </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>2,046 </b></td><td class=\"startCol-4 endCol-4 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\"><b>- </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>2,046 </b></td></tr></tbody></table> <br/>\n<h3 class=\"table-title\">Reconciliation of the carrying amount of financial assets under IAS 39 to IFRS 9 on 1 January 2023 - Available for sale </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:0%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;\"><b>Available for sale </b></th><th class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:middle;\"><b>31 December 2022 (IAS 39) </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Reclassification </b></th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Remeasurement </b></th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>1 January 2023 (IFRS 9) </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\"><b>Investments </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">brought forward </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">20,767 </td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">reclassified to FVTPL </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-18,728 </td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">reclassified to FVOCI </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-2,038 </td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">carried forward </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total available for sale </b></td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>20,767 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-20,767 </b></td><td class=\"startCol-4 endCol-4 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\"><b>- </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td></tr></tbody></table> <br/>\n<h3 class=\"table-title\">Reconciliation of the carrying amount of financial assets under IAS 39 to IFRS 9 on 1 January 2023 \u2013 Amortised cost </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:auto;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;\"><b>Amortised cost </b></th><th class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:middle;\"><b>31 December 2022 (IAS 39) </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Reclassification </b></th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Remeasurement </b></th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>1 January 2023 (IFRS 9) </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\"><b>Loans and receivables </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">brought forward </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">17,171 </td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">reclassified to investments </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-16,513 </td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">reclassified to investments related to investment contracts </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-27 </td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">reclassified to other assets </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-245 </td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">reclassified to insurance contract liabilities </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-323 </td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">reclassified to reinsurance contract assets </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-63 </td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">carried forward </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Other financial assets </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">brought forward </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">669 </td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">reclassified from loans and receivables </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">245 </td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">reclassified to investments </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-219 </td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">reclassified to derivatives assets </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-336 </td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">reclassified to insurance contract liabilities </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-50 </td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">reclassified to other non-financial assets </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-64 </td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">carried forward </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">247 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total amortised cost </b></td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>17,840 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-17,593 </b></td><td class=\"startCol-4 endCol-4 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\"><b>- </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>247 </b></td></tr></tbody></table> <br/>\n<h3 class=\"table-title\">Reconciliation of the carrying amount of financial liabilities under IAS 39 to IFRS 9 on 1 January 2023 - FVTPL </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:auto;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;\"><b>FVTPL </b></th><th class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:middle;\"><b>31 December 2022 (IAS 39) </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Reclassification </b></th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Remeasurement </b></th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>1 January 2023 (IFRS 9) </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\"><b>Liabilities arising from investment contracts </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">brought forward </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">2,000 </td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">reclassified from due to customers </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">27 </td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">reclassified to investments related to investment contracts </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-2,027 </td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">carried forward </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:middle;\"><b>Derivatives liabilities </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">brought forward </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">5,523 </td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">reclassified from other financial liabilities </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">159 </td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">carried forward </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">5,681 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total FVTPL </b></td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>7,523 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-1,842 </b></td><td class=\"startCol-4 endCol-4 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\"><b>- </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>5,681 </b></td></tr></tbody></table> <br/>\n<h3 class=\"table-title\">Reconciliation of the carrying amount of financial liabilities under IAS 39 to IFRS 9 on 1 January 2023 - Amortised cost </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:auto;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;\"><b>Amortised cost </b></th><th class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:middle;\"><b>31 December 2022 (IAS 39) </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Reclassification </b></th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Remeasurement </b></th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>1 January 2023 (IFRS 9) </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\"><b>Subordinated liabilities </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">brought forward </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">1,980 </td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">reclassified from other financial liabilities </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">25 </td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">carried forward </td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2,005 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-left-1 border-right-1\" style=\"text-align:left;vertical-align:middle;\"><b>Borrowings (excluding lease liabilities) </b></td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-left-1 border-right-1\" style=\"text-align:left;vertical-align:middle;\">brought forward </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">152 </td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-left-1 border-right-1\" style=\"text-align:left;vertical-align:middle;\">reclassified to other financial liabilities </td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:bottom;\">-26 </td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-left-1 border-right-1\" style=\"text-align:left;vertical-align:middle;\">carried forward </td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:bottom;\">126 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:middle;\"><b>Due to customers </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">brought forward </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">471 </td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">reclassified to reinsurance contract assets </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-2 </td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">reclassified to insurance contract liabilities </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-278 </td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">reclassified to liabilities arising from direct participating insurance contracts </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-103 </td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">reclassified to liabilities arising from investment contracts </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-27 </td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">reclassified to other liabilities </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-61 </td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">carried forward </td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:middle;\"><b>Due to banks </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">brought forward </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">2,262 </td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">reclassified from other financial liabilities </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2 </td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">carried forward </td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2,264 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:middle;\"><b>Other financial liabilities </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">brought forward </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">200 </td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">reclassified to insurance contract liabilities </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-10 </td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">reclassified to subordinated liabilities </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-26 </td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">reclassified to derivatives liabilities </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-160 </td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">reclassified to due to banks </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-2 </td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">reclassified from due to customers </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">27 </td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">reclassified from borrowings </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">26 </td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">carried forward </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">55 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total amortised cost </b></td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>5,065 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-614 </b></td><td class=\"startCol-4 endCol-4 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\"><b>- </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>4,450 </b></td></tr></tbody></table> <br/>\n<p>The following table contains the reconciliation of the closing impairment allowance in accordance with IAS 39 as at 31 December 2022 with the opening loss allowance determined in accordance with IFRS 9 as at 1 January 2023. </p>\n<h3 class=\"table-title\">Reconciliation of the closing impairment allowance in accordance with IAS 39 as at 31 December 2022 with the opening loss allowance determined in accordance with IFRS 9 as at 1 January 2023 </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:auto;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;\"><b>Impairment of financial assets </b></th><th class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:middle;\"><b>31 December 2022 (IAS 39) </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Reclassification </b></th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Remeasurement </b></th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>1 January 2023 (IFRS 9) </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">Investments at FVTPL from available for sale </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">-227 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">227 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">Equities and similar investments at FVOCI from available for sale </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">-147 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">147 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">Loans and receivables </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">-71 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">27 </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">44 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">Other assets </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-4 </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-4 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total loss allowance </b></td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>-445 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>24 </b></td><td class=\"startCol-4 endCol-4 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>418 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-4 </b></td></tr></tbody></table> <br/>\n<h1 class=\"S_PARAGRAPH\" id=\"n1286208\"><span class=\"number\">7.3.2 </span><span class=\"title-text\">Other changes in presentations </span></h1>\n<p>The current presentation differs from last year\u2019s presentation in some aspects besides IFRS 17 and IFRS 9. Where applicable, in accordance with IFRS, comparative figures have been included in the new presentation format, including related disclosures, to ensure comparability. These changes in presentation have no impact on net result nor equity. </p>\n<p>In accordance with IFRS10 \u201cConsolidated financial statements\u201d definition of control and prompted by the acquisition of Aegon NL, a.s.r. has adopted a change in presentation and as such will no longer consolidate the fund investment contracts and related liabilities of the institution for occupational retirement provision (IORP) entities onto the statement of financial position. The adoption of this policy has no impact on a.s.r.\u2019s past or future financial position, financial performance, or cash flows. The comparative figures have been restated accordingly. </p>\n<h1 class=\"S_PARAGRAPH\" id=\"n1286230\"><span class=\"number\">7.3.3 </span><span class=\"title-text\">Upcoming changes in published IFRS standards and interpretations, not yet effective in 2023 </span></h1>\n<div class=\"header header-2\">International Tax Reform \u2013 Pillar II Model rules (Amendments to IAS 12) </div>\n<p>The EU Directive Pillar Two (which is implemented in the Netherlands as the \u201cWet minimumbelasting\u201d, and is effective for accounting periods beginning on or after 1 January 2024) apply to multinational enterprises and large scale domestic groups that have consolidated revenues (which, as defined by the OECD, include any form of income and are therefore not limited to revenue recognised in accordance with IFRS 15) of \u20ac\u00a0750 million in at least two out of the last four years.\u00a0a.s.r. operates in the Netherlands as a large scale domestic group and expects to be subject to the top-up tax in relation to its operations in the Netherlands, where the statutory tax rate is 25.8%. If the top-up tax had applied in 2023, the profits relating to a.s.r.\u2019s operations in the Netherlands for the year ended 31 December 2023 would not be subject to it, as the average effective tax rate applicable to these profits exceeds the 15% minimum effective tax rate. </p>\n<p>a.s.r. has determined that the top-up tax (which it is required to pay under the Wet minimumbelasting),\u00a0the relief from deferred tax accounting for Pillar II, is an income tax in the scope of IAS 12. a.s.r. has applied the temporary mandatory relief from deferred tax accounting for the impacts of the top-up tax and accounts for it as a current tax when it is incurred. </p>\n<h1 class=\"S_PARAGRAPH\" id=\"n1286252\"><span class=\"number\">7.3.4 </span><span class=\"title-text\">Key accounting policies </span></h1>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n1286274\"><span class=\"title-text\">A. Estimates and assumptions </span></h1>\n<p>The preparation of the financial statements requires a.s.r. to make estimates, assumptions and judgements in applying accounting policies that have an effect on the reported amounts in the financial statements. These relate primarily to the following: </p><ul><li>\n<p>The fair value and impairments of unlisted financial instruments (see accounting policy <a href=\"#n1286307\" title=\"B. Fair value of assets and liabilities\">B</a> and <a href=\"#n1286373\" title=\"E. Financial assets and financial liabilities\">E</a>); </p></li><li>\n<p>The estimated useful life, residual value and fair value of property, plant and equipment, investment property, and intangible assets (see accounting policy <a href=\"#n1286329\" title=\"C. Intangible assets\">C</a>, <a href=\"#n1286351\" title=\"D. Investment property\">D</a> and <a href=\"#n1286642\" title=\"O. Property, plant and equipment\">O</a>); </p></li><li>\n<p>The measurement of insurance contract liabilities and liabilities arising from direct participating insurance contracts (see chapter <a href=\"#n1288854\" title=\"Assumptions used\">7.5.13.3</a>); </p></li><li>\n<p>Actuarial assumptions used for measuring employee benefit obligations (see <a href=\"#n1289054\" title=\"Employee benefits\">chapter 7.5.15</a>); </p></li><li>\n<p>When forming provisions, the required estimate of existing obligations arising from past events (see <a href=\"#n1289145\" title=\"Provisions\">chapter 7.5.16</a>); </p></li><li>\n<p>The recoverable amount of impaired assets (see accounting policy <a href=\"#n1286307\" title=\"B. Fair value of assets and liabilities\">B</a> and <a href=\"#n1286373\" title=\"E. Financial assets and financial liabilities\">E</a> ); </p></li><li>\n<p>The fair value used to determine the net asset value in acquisitions (see <a href=\"#n1287134\" title=\"Acquisitions\">chapter 7.4.5)</a>. </p></li></ul>\n<p>The estimates and assumptions are based on management\u2019s best knowledge of current facts, actions and events. The actual outcomes may ultimately differ from the results reported earlier on the basis of estimates and assumptions. A detailed explanation of the estimates and assumptions are given in the relevant notes to the consolidated financial statements. </p>\n<p>As from the date of the Aegon NL business combination, harmonisation of assumptions and methods between Aegon NL and a.s.r. has started or is planned. The harmonisation is expected to continue the coming years. The future expected synergies as a result of the Aegon NL business combination are expected to be included in future changes to the expense assumption once they are locked-in through the progress of the integration. </p>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n1286307\"><span class=\"title-text\">B. Fair value of assets and liabilities </span></h1>\n<p>The fair value is the price that a.s.r. would receive to sell an asset or pay to transfer a liability in an orderly transaction between market participants on the transaction date or reporting date in the principal market for the asset or liability, or in the most advantageous market for the asset or liability and assuming the highest and best use for non-financial assets. Where possible, a.s.r. determines the fair value of assets and liabilities on the basis of quoted prices in an active market. In the absence of an active market for a financial instrument, the fair value is determined using valuation techniques. Although valuation techniques are based on observable market data where possible, results are affected by the assumptions used, such as discount rates and estimates of future cash flows. In the unlikely event that the fair value of a financial instrument cannot be measured, it is carried at cost. </p>\n<div class=\"header header-2\">Fair value hierarchy </div>\n<p>The following three hierarchical levels are used to determine the fair value of financial instruments and non-financial instruments when accounting for assets and liabilities at fair value and disclosing the comparative fair value of assets and liabilities: </p>\n<div class=\"header header-3\">Level 1. Fair value based on quoted prices in an active market </div>\n<p>Level 1 includes assets and liabilities whose value is determined by quoted (unadjusted) prices in the primary active market for identical assets or liabilities. </p>\n<p>A financial instrument is quoted in an active market if: </p><ul><li>\n<p>Quoted prices are readily and regularly available (from an exchange, dealer, broker, sector organisation, third party pricing service, or a regulatory body); and </p></li><li>\n<p>These prices represent actual and regularly occurring transactions on an arm\u2019s length basis. </p></li></ul>\n<p>Financial instruments in this category primarily consist of bonds and equities listed in active markets. Cash and cash equivalents, reverse repurchase agreements and cash collateral received are also included as level 1. </p>\n<div class=\"header header-3\">Level 2. Fair value based on observable market data </div>\n<p>Determining fair value on the basis of Level 2 involves the use of valuation techniques that use inputs other than quoted prices included within Level 1 that are observable for the asset or liability, either directly (that is, as prices) or indirectly (that is derived from prices of identical or similar assets and liabilities). These observable inputs are obtained from a broker or third party pricing service and include: </p><ul><li>\n<p>Quoted prices in active markets for similar (not identical) assets or liabilities; </p></li><li>\n<p>Quoted prices for identical or similar assets or liabilities in inactive markets; </p></li><li>\n<p>Input variables other than quoted prices observable for the asset or liability. These include interest rates and yield curves observable at commonly quoted intervals, volatility, loss ratio, credit risks and default percentages. </p></li></ul>\n<p>This category primarily includes: </p><ol class=\"style-upper-roman\"><li>\n<p>Financial instruments: unlisted fixed-interest preference shares and interest rate contracts; </p></li><li>\n<p>Financial instruments: loans (excluding mortgage loans, reverse repurchase agreements and cash collateral received); </p></li><li>\n<p>Other financial assets and liabilities.<sup class=\"footnote cShowTooltip\" title=\"Not measured at fair value on the balance sheet and for which the fair value is disclosed.\">1 </sup></p></li></ol>\n<div class=\"header header-3\">I. Financial instruments: unlisted fixed-interest preference shares and interest rate contracts </div>\n<p>This category includes unlisted fixed-interest preference shares and interest rate contracts. The valuation techniques for financial instruments use present value calculations and in the case of derivatives, include forward pricing and swap models. The observable market data contains yield curves based on company ratings and characteristics of the unlisted fixed-interest preference shares. </p>\n<div class=\"header header-3\">II. Financial instruments: Loans (excluding mortgage loans, reverse repurchase agreements and cash collateral received) </div>\n<p>The fair value of the loans is based on the discounted cash flow method. It is obtained by calculating the present value based on expected future cash flows and assuming an interest rate curve used in the market that includes an additional spread based on the risk profile of the counterparty. </p>\n<div class=\"header header-3\">III. Other financial assets and liabilities </div>\n<p>For other financial assets and liabilities where the fair value is disclosed these fair values are based on observable market inputs, primarily being the price paid to acquire the asset or received to assume the liability on initial recognition, assuming that the transactions have taken place on an arm\u2019s length basis. Valuation techniques using present value calculations are applied using current interest rates where the payment terms are longer than one year. </p>\n<div class=\"header header-3\">Level 3. Fair value not based on observable market data </div>\n<p>The fair value of the level 3 assets and liabilities are determined in whole or in part using a valuation technique based on assumptions that are not supported by prices from observable current market transactions in the same instrument and for which any significant inputs are not based on available observable market data. The financial assets and liabilities in this category are assessed individually. </p>\n<p>Valuation techniques are used to the extent that observable inputs are not available. The basic principle of fair value measurement is still to determine a fair, arm\u2019s length price. Unobservable inputs therefore reflect management\u2019s own assumptions about the assumptions that market participants would use in pricing the asset or liability (including assumptions about risk). These inputs are generally based on the available observable data (adjusted for factors that contribute towards the value of the asset) and own source information. </p>\n<p>This category primarily includes: </p><ol class=\"style-upper-roman\"><li>\n<p>Financial instruments: private equity investments (or private equity partners) and equity funds third parties directly investing in real estate; </p></li><li>\n<p>Financial instruments: mortgage loans and mortgage equity funds; </p></li><li>\n<p>Investment property, real estate equity funds associates, rural property contracts, buildings for own use and plant (e.g. wind farms); </p></li><li>\n<p>Financial instruments: asset-backed securities. </p></li></ol>\n<div class=\"header header-3\">I. Financial instruments: private equity investments and real estate equity funds third parties </div>\n<p>The main non-observable market input for private equity investments and equity funds third parties directly investing in real estate is the net asset value of the investment as published by the private equity company (or partner) and real estate equity funds respectively. </p>\n<div class=\"header header-3\">II. Financial instruments: mortgage loans and mortgage equity funds </div>\n<p>The fair value of the mortgage loan portfolio is based on the discounted cash flow method. It is obtained by calculating the present value based on expected future cash flows and assuming an interest rate curve used in the market that includes an additional spread based on the risk profile of the counterparty. </p>\n<p>The valuation method used to determine the fair value of the mortgage loan portfolio derives the spread from consumer rates and includes assumptions for originating cost and risks. The method of determining the fair value of the mortgage equity funds is similar to that of mortgage loans. </p>\n<div class=\"header header-3\">III. Investment property, real estate equity funds associates, rural property contracts, buildings for own use and plant </div>\n<p>The following categories of investment properties, buildings for own use and plant is recognised and methods of calculating fair value are distinguished: </p><ul><li>\n<p>Residential \u2013 based on reference transaction and discounted cash flow method; </p></li><li>\n<p>Retail \u2013 based on reference transaction and income capitalisation method; </p></li><li>\n<p>Rural \u2013 based on reference transaction and discounted cash flow method; </p></li><li>\n<p>Offices \u2013 based on reference transaction and discounted cash flow method (including buildings for own use); </p></li><li>\n<p>Other investment property \u2013 based on reference transaction and discounted cash flow method; </p></li><li>\n<p>Property under development \u2013 based on both discounted cash flow and income capitalisation method; </p></li><li>\n<p>Plant - based on reference transaction and discounted cash flow method. </p></li></ul>\n<p>The following valuation methods are available for the calculation of fair value by the external professional appraisers for investment property, including real estate equity funds associates, rural property contracts, buildings for own use and plant: </p>\n<div class=\"header header-4\">Reference transactions </div>\n<p>Independent professional appraisers use transactions in comparable properties and plant as a reference for determining the fair value of the property and plant. The reference transactions of comparable objects are generally based on observable data consisting of the land register \u2018Kadaster\u2019 and the rural land price monitor as published by the Dutch government \u2018grondprijsmonitor\u2019 in an active property market and in some instances accompanied by own use information. </p>\n<p>The external professional appraisers valuate the property or plant using the reference transaction in combination with the following valuation methods to ensure the appropriate valuation of the property: </p><ul><li>\n<p>Discounted cash flow method; </p></li><li>\n<p>Income capitalisation method (property only). </p></li></ul>\n<div class=\"header header-4\">Discounted cash flow method </div>\n<p>Under the discounted cash flow method, fair value is estimated using assumptions regarding the benefits and liabilities of ownership over the asset\u2019s life including an exit or terminal value. This method involves the projection of a series of cash flows on the investment property or plant dependent on the duration of the lease contracts. </p>\n<p>A market-derived discount rate is applied to these projected cash flow series in order to establish the present value of the cash flows associated with the asset. The exit yield is normally determined separately, and differs from the discount rate. </p>\n<p>The duration of the cash flows and the specific timing of inflows and outflows are determined by events such as rent reviews, lease renewal and related re-letting, redevelopment, or refurbishment. The appropriate duration is typically driven by market behaviour, which depends on the class of investment property. Periodic cash flow is typically estimated as gross rental income less vacancy (apart from the rural category), non-recoverable expenses, collection losses, lease incentives, maintenance costs, agent and commission costs and other operating and management expenses. The series of periodic net operating income, along with an estimate of the terminal value anticipated at the end of the projection period, is then discounted. </p>\n<p>For the categories residential, offices and other in applying the discounted cash flow method, the significant inputs are the discount rate and market rental value. These inputs are verified with the following market observable data (that are adjusted to reflect the state and condition, location, development potential etc. of the specific property): </p><ul><li>\n<p>Market rent per square meter for renewals and their respective re-letting rates; </p></li><li>\n<p>Reviewed rent per square meter; </p></li><li>\n<p>Investment transactions of comparable objects; </p></li><li>\n<p>10 Year Dutch Government Bond Yield (%) as published by the DNB. </p></li></ul>\n<p>When applying the discounted cash flow method for rural valuations, the significant inputs are the discount rate and market lease values. These inputs are verified with the following market observable data (that are adjusted to reflect the state and condition, location, development potential etc. of the specific property): </p><ul><li>\n<p>Market value per acre per region in accordance with the \u2018rural land price monitor\u2019; </p></li><li>\n<p>10 Year Dutch Government Bond Yield (%) as published by the DNB. </p></li></ul>\n<div class=\"header header-4\">Income capitalisation method </div>\n<p>Under the income capitalisation method, a property\u2019s fair value is estimated based on the normalised net operating income generated by the property, which is divided by the capitalisation rate (the investor\u2019s rate of return). The difference between gross and net rental income includes the same expense categories as those for the discounted cash flow method with the exception that certain expenses are not measured over time, but included on the basis of a time weighted average, such as the average lease-up costs. Under the income capitalisation method, rents above or below the market rent are capitalised separately. </p>\n<p>The significant inputs for retail valuations are the reversionary yield and the market or reviewed rental value. These inputs are generally verified with the following observable data (that are adjusted to reflect the state and condition, location, development potential etc. of the specific property): </p><ul><li>\n<p>Market rent per square meter for renewals; </p></li><li>\n<p>Reviewed rent per square meter (based on the rent reviews performed in accordance with Section 303, Book 7 of the Dutch Civil Code). </p></li></ul>\n<p>The fair value of investment properties and buildings for own use, are appraised annually. Valuations are conducted by independent professional appraisers who hold recognised and relevant professional qualifications and have recent experience in the location and category of the property being valued. Market value property valuations were prepared in accordance with the Royal Institution of Chartered Surveyors (RICS) Valuation Standards, 7th Edition (the \u2018Red Book\u2019). a.s.r. provides adequate information to the professional appraisers, in order to conduct a comprehensive valuation. The professional appraisers are changed or rotated at least once every three years. </p>\n<div class=\"header header-3\">IV. Financial instruments: asset-backed securities </div>\n<p>The fair value of the asset-backed securities is based on quotes published by an independent data vendor. </p>\n<div class=\"header header-2\">Transfers between levels </div>\n<p>The hierarchical level per individual instrument, or group of instruments, is reassessed at every reporting period. If the instrument, or group of instruments, no longer complies with the criteria of the level in question, it is transferred to the hierarchical level that does meet the criteria. A transfer can for instance be when the market becomes less liquid or when quoted market prices for the instrument are no longer available. </p><ol class=\"footnotes\"><li>Not measured at fair value on the balance sheet and for which the fair value is disclosed. </li></ol>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n1286329\"><span class=\"title-text\">C. Intangible assets </span></h1>\n<p>Intangible assets are carried at cost, less any accumulated amortisation and impairment losses. The residual value and the estimated useful life of intangible assets are assessed on each balance sheet date and adjusted where applicable. </p>\n<div class=\"header header-2\">Goodwill </div>\n<p>Acquisitions by a.s.r. are accounted for using the acquisition method. Goodwill represents the excess of the cost of an acquisition over the fair value of a.s.r.\u2019s share of the net identifiable assets and liabilities and contingent liabilities of the acquired company at acquisition date. If there is no excess (purchase gain), the carrying amount is directly recognised through the income statement. At the acquisition date, goodwill is allocated to the cash-generating units (CGUs) that are expected to benefit from the business combination. </p>\n<p>Goodwill has an indefinite useful life and is not amortised. a.s.r. performs an impairment test annually, or more frequently if events or circumstances warrant so, to ascertain whether goodwill has been subject to impairment. As part of this, the carrying amount of the cash-generating unit to which the goodwill has been allocated is compared with its recoverable amount. The recoverable amount is the higher of a CGU\u2019s fair value less costs to sell and value in use. The carrying value is determined as the net asset value including goodwill. The methodologies applied to arrive at the best estimate of the recoverable amount involves two steps. </p>\n<p>In the first step of the impairment test, the best estimate of the recoverable amount of the CGU to which goodwill is allocated is determined separately based on Price to Earnings or Price to EBITDA ratios (fair value less cost to sell model). The ratio(s) used per CGU depends on the characteristics of the entity in question. The main assumptions in this valuation are the multiples for the aforementioned ratios. These are developed internally but are either derived from or corroborated against market information that is related to observable transactions in the market for comparable businesses. </p>\n<p>If the outcome of the first step indicates that the difference between the recoverable amount and the carrying value may not be sufficient to support the amount of goodwill allocated to the CGU, step two is performed. In step two an additional analysis is performed in order to determine a recoverable amount in a manner that better addresses the specific characteristics of the relevant CGU. </p>\n<p>The additional analysis is based on internal value-in-use models, wherein managements assumptions in relation to cash flow projections for budget periods up to and including five years are used and, if deemed justified, expanded to a longer period given the nature of the insurance activities. Other assumptions, such as the (pre-tax) discount rate and the steady state growth rate, are determined on the advice of an independent external party and are based on a Capital Asset Pricing Model (CAPM). This methodology is based on a risk-free rate plus a risk premium. Operating assumptions are best estimate assumptions and based on historical data where available. Economic assumptions are based on observable market data and projections of future trends. </p>\n<p>If the recoverable amount is lower than its carrying amount, the difference is directly charged to the income statement as an impairment loss. </p>\n<p>In the event of impairment, a.s.r. first reduces the carrying amount of the goodwill allocated to the CGU. After that, the carrying amount of the other assets included in the unit is reduced pro rata to the carrying amount of all the assets in the unit. </p>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n1286351\"><span class=\"title-text\">D. Investment property </span></h1>\n<p>Investment property is property held to earn rent or for capital appreciation or both. Property interests held under operating leases are classified and accounted for as investment property. In some cases, a.s.r. is the owner-occupier of investment properties. If owner-occupied properties cannot be sold separately, they are treated as investment property only if a.s.r. holds an insignificant portion for use in the supply of services or for administrative purposes. Property held for own uses (owner-occupied) is recognised within property, plant and equipment. </p>\n<p>Investment property is primarily recognised using the fair value model. After initial recognition, a.s.r. remeasures all of its investment property (see accounting policy B) whereby any gain or loss arising from a change in the fair value of the specific investment property is recognised in the income statement under fair value gains and losses. </p>\n<p>Residential property is generally let for an indefinite period. Other investment property is let for defined periods under leases that cannot be terminated early. Some contracts contain renewal options. Rentals are accounted for as investment income in the period to which they relate. </p>\n<p>If there is a change in the designation of property, it can lead to: </p><ul><li>\n<p>Reclassification from property, plant and equipment to investment property: at the end of the period of owner-occupation or at inception of an operating lease with a third party; or </p></li><li>\n<p>Reclassification from investment property to property, plant and equipment: at the commencement of owner-occupation or at the start of developments initiated with a view to selling the property to a third party. </p></li></ul>\n<p>The following categories of investment property are recognised by a.s.r. based primarily on the techniques used in determining the fair value of the investment property: </p><ul><li>\n<p>Retail; </p></li><li>\n<p>Residential; </p></li><li>\n<p>Rural; </p></li><li>\n<p>Offices; </p></li><li>\n<p>Other (consisting primarily of parking); </p></li><li>\n<p>Investment property under development. </p></li></ul>\n<p>Property under development for future use as investment property is recognised as investment property. The valuation of investment property takes (expected) vacancies into account. </p>\n<p>Borrowing costs directly attributable to the acquisition or development of an asset are capitalised and are part of the cost of that asset. Borrowing costs are capitalised when the following conditions are met: </p><ul><li>\n<p>Expenditures for the asset and borrowing costs are incurred; and </p></li><li>\n<p>Activities are undertaken that are necessary to prepare an asset for its intended use. </p></li></ul>\n<p>Borrowing costs are no longer capitalised when the asset is ready for use or sale. If the development of assets is interrupted for a longer period, capitalisation of borrowing costs is suspended. If the construction is completed in stages and each part of an asset can be used separately, the borrowing costs for each part that reaches completion are no longer capitalised. </p>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n1286373\"><span class=\"title-text\">E. Financial assets and financial liabilities </span></h1>\n<p>a.s.r. has chosen to restate the comparative figures for financial assets and liabilities in line with IFRS 9 and the classification overlay approach in accordance with the amendment to IFRS 17 Insurance Contracts: Initial Application of IFRS 17 and IFRS 9 \u2013 Comparative Information. This option results in more useful comparative information. </p>\n<div class=\"header header-2\">Recognition and initial measurement </div>\n<p>a.s.r. recognises deposits and loans and borrowings on the date on which they originate. All other financial instruments are recognised at the transaction date, which is the date on which a.s.r. becomes party to the contractual stipulations of the instrument. </p>\n<p>Financial assets or financial liabilities are initially measured at fair value plus, for a financial asset or financial liability not measured at FVTPL, transaction costs that are directly attributable to its acquisition or issue. </p>\n<div class=\"header header-2\">Classification and subsequent measurement </div>\n<p>When a.s.r. becomes party to a financial asset contract, the related assets are classified into one of the following categories: </p><ul><li>\n<p>Amortised cost; </p></li><li>\n<p>Financial assets at fair value through other comprehensive income (FVOCI); or </p></li><li>\n<p>Financial assets at fair value through profit or loss (FVTPL). </p></li></ul>\n<p>The classification of the financial assets is determined at initial recognition. The classification and measurement of certain financial assets (debt instruments) is based on a.s.r.\u2019s business models in which a financial asset is managed, and its contractual cash flow characteristics. For detailed information on the fair value of the financial assets see accounting policy <a href=\"#n1286307\" title=\"B. Fair value of assets and liabilities\">B</a>. </p>\n<div class=\"header header-2\">Financial assets at amortised cost </div>\n<p>A financial asset (debt instrument) can be measured at amortised cost if it meets both of the following conditions and is not designated as FVTPL: </p><ul><li>\n<p>It is held within a business model whose objective is to hold assets to collect contractual cash flows; and </p></li><li>\n<p>Its contractual terms give rise on specified dates to cash flows that are solely payments of principal and interest on the principal amount outstanding. This is known as the SPPI test. </p></li></ul>\n<p>Debt instruments at amortised cost include mortgage loans and private loans held by Aegon Bank N.V. (Knab) and Aegon Hypotheken B.V. (Aegon hypotheken). </p>\n<p>Financial assets that are designated as hedged items are measured in accordance with the requirements for hedge accounting. </p>\n<div class=\"header header-2\">Financial assets at FVOCI </div>\n<p>Financial assets at FVOCI can be divided into debt instruments and equity instruments. </p>\n<p>A debt instrument can be measured at FVOCI if it meets both the following conditions and is not designated as at FVTPL: </p><ul><li>\n<p>It is held within a business model whose objective is achieved by both collecting contractual cash flows and selling financial assets; and </p></li><li>\n<p>Its contractual terms give rise on specified dates to cash flows that are solely payments of principal and interest on the principal amount outstanding. </p></li></ul>\n<p>Debt instruments at FVOCI are measured at fair value. Unrealised fair value gains and losses are recognised in other comprehensive income, and are subsequently reclassified to profit or loss when realised. Interest income is recognised in profit or loss using the effective interest rate. Debt instruments at FVOCI are subject to the impairment requirements. </p>\n<p>a.s.r. has only classified the bonds portfolio held by Knab and Aegon hypotheken at FVOCI. </p>\n<p>Equity instruments are measured at FVOCI if they are not held for trading and are not designated as at FVTPL. There is no subsequent recycling of fair value gains and losses to profit or loss following the derecognition of the investment if elected to measure the equity investments as FVOCI. </p>\n<p>a.s.r. classifies its equity instruments at FVOCI to reduce volatility in the income statement. </p>\n<div class=\"header header-2\">Financial assets at FVTPL </div>\n<p>All financial assets not classified as measured at amortised cost or FVOCI, as described above, are measured at FVTPL. </p>\n<p>Financial assets at FVTPL include: </p><ul><li>\n<p>Derivatives that do not qualify for hedge accounting; </p></li><li>\n<p>Financial assets that are managed and whose performance is evaluated on a fair value basis, such as: </p><ul><li>\n<p>Debt instruments for which a.s.r. has identified the business model Other; </p></li><li>\n<p>Investments related to direct participating contracts; </p></li><li>\n<p>Financial assets held for trading; </p></li></ul></li><li>\n<p>Associates for which a.s.r. elects to measure at FVTPL under IFRS 9. </p></li></ul>\n<div class=\"header header-3\">Hedge accounting (see also risk management section in chapter 7.8) </div>\n<p>To qualify for hedge accounting, the hedge relationship is designated and formally documented at inception, detailing the particular risk management objective and strategy for the hedge (which includes the item and risk that is being hedged), the derivative that is being used and how hedge effectiveness is being assessed. A derivative has to be effective in accomplishing the objective of offsetting either changes in fair value or cash flows for the risk being hedged. The effectiveness of the hedging relationship is evaluated on a prospective and retrospective basis using qualitative and quantitative measures of correlation. A hedging relationship is considered effective if the results of the hedging instrument are within a ratio of 80% to 125% of the results of the hedged item. a.s.r. has elected to continue to apply the hedge accounting requirements of IAS 39 for macro fair value hedges (EU \u2018carve out\u2019) on adoption of IFRS 9. </p>\n<p>As part of its asset liability management, a.s.r. enters into economic hedges to limit its risk exposure at Knab and Aegon hypotheken. These transactions are assessed to determine whether hedge accounting can and should be applied. a.s.r. currently applies hedge accounting for fair value hedges. </p>\n<div class=\"header header-4\">Fair value hedges </div>\n<p>a.s.r. applies fair value hedge accounting to portfolio hedges of interest rate risk (fair value macro hedging) under the EU \u2018carve out\u2019 of EU-IFRS. The EU \u2018carve out\u2019 macro hedging enables a group of derivatives (or proportions thereof) to be viewed in combination and jointly designated as the hedging instrument and removes some of the limitations in fair value hedge accounting. Under the EU \u2018carve out\u2019, ineffectiveness in fair value hedge accounting only arises when the revised projection of the amount of cash flows in scheduled time buckets falls below the designated amount of that bucket. a.s.r. applies fair value hedge accounting for portfolio hedges of interest rate risk (macro hedging) under the EU \u2018carve out\u2019 to mortgage loans. Changes in the fair value of the derivatives are recognised in the income statement, together with the fair value adjustment on the mortgage loans (hedged items) insofar as attributable to interest rate risk (the hedged risk). If the hedge relationship no longer meets the criteria for hedge accounting, the cumulative adjustment of the hedged item is, in the case of interest bearing instruments, amortised through the income statement over the remaining term of the original hedge or recognised directly when the hedged item is derecognised. </p>\n<p>Knab and Aegon hypotheken hold portfolios of long-term fixed rate mortgages and therefore are exposed to changes in fair value due to movements in market interest rates. Knab and Aegon hypotheken manage this risk exposure by entering into pay fixed/receive floating interest rate swaps. </p>\n<p>Only the interest rate risk element is hedged and therefore other risks, such as credit risk, are managed but not hedged by Knab and Aegon hypotheken. This hedging strategy is applied to the portion of exposure that is not naturally offset against matching positions held by Knab and Aegon hypotheken. Changes in fair value of the long-term fixed rate mortgages arising from changes in interest rate are usually the largest component of the overall change in fair value. This strategy is designated as a fair value hedge and its effectiveness is assessed by comparing changes in the fair value of the loans attributable to changes in the benchmark rate of interest with changes in the fair value of the interest rate swaps. </p>\n<p>Knab and Aegon hypotheken establish the hedging ratio by matching the notional of the derivatives with the principal of the portfolio being hedged. Possible sources of ineffectiveness are as follows: </p><ul><li>\n<p>Differences between the expected and actual volume of prepayments, as Knab and Aegon hypotheken hedge to the expected repayment date taking into account expected prepayments based on past experience; </p></li><li>\n<p>Difference in the discounting between the hedged item and the hedging instrument, as cash collateralised interest rate swaps are discounted using Overnight Indexed Swaps (OIS) discount curves, which are not applied to the fixed rate mortgages; </p></li><li>\n<p>Hedging derivatives with a non-zero fair value at the date of initial designation as a hedging instrument; and </p></li><li>\n<p>Counterparty credit risk which impacts the fair value of uncollateralised interest rate swaps but not the hedged items. </p></li></ul>\n<p>Knab and Aegon hypotheken manage the interest rate risk arising from fixed rate mortgages by entering into interest rate swaps on a monthly basis. The exposure from these portfolios frequently changes due to new loans originated, contractual repayments and early prepayments made by customers in each period. As a result, Knab and Aegon hypotheken adopt a dynamic hedging strategy (sometime referred to as a \u2018macro\u2019 or \u2018portfolio\u2019 hedge) to hedge the exposure profile by closing and entering into new swap agreements at each month-end. Knab and Aegon hypotheken use the portfolio fair value hedge of interest rate risk to recognise fair value changes related to changes in interest rate risk in the mortgage portfolio, and therefore reduce the profit or loss volatility that would\u00a0 otherwise arise from changes in fair value of the interest rate swaps alone. </p>\n<div class=\"header header-2\">Accrued interest </div>\n<p>In line with Solvency II reporting a.s.r. accounts for debt instruments at their \u201cdirty\u201d fair value, thus including any related accrued interest. </p>\n<div class=\"header header-2\">Business model assessment </div>\n<p>The business model is determined at a level that reflects how groups of financial assets are managed together to achieve a particular business objective. a.s.r.\u2019s business models refer to how a.s.r. manages its financial assets in order to generate cash flows. </p>\n<p>a.s.r. identifies the business model Hold to Collect for the mortgage loans and private loans held by Knab and Aegon hypotheken and for its other financial assets, and identifies the business model Held to Collect &amp; Sell for the bonds portfolio held by Knab. All other debt instruments are mandatorily designated as at FVTPL (business model Other). </p>\n<div class=\"header header-2\">Assessment whether contractual cash flows are solely payments of principal and interest (SPPI) </div>\n<p>For the purpose of this assessment, principal is defined as the fair value of the financial asset on initial recognition. However, the principal may change over time \u2013 e.g. if there are repayments of principal. </p>\n<p>Interest is defined as consideration for the time value of money, for the credit risk associated with the principal amount outstanding during a particular period of time and for other basic lending risks (e.g. liquidity risk) and costs (e.g. administrative costs), as well as a profit margin that is consistent with a basic lending arrangement. Financial assets with embedded derivatives are considered in their entirety when determining whether their cash flows are SPPI. </p>\n<p>a.s.r. assesses the SPPI for the loans and bonds portfolio held by Knab and Aegon hypotheken and for its other financial assets. All other debt instruments are mandatorily designated as at FVTPL (business model Other). </p>\n<div class=\"header header-2\">Subsequent measurement and gains and losses </div>\n<div class=\"header header-3\">Financial assets at amortised cost </div>\n<p>Financial assets at amortised cost are measured at amortised cost using the effective interest method. Interest income, foreign exchange gains and losses and impairment are recognised in profit or loss. Any gain or loss on derecognition is also recognised in profit or loss. </p>\n<div class=\"header header-3\">Financial assets at FVOCI </div>\n<p>Equity investments at FVOCI are measured at fair value. All fair value gains and losses are recorded in OCI, without recycling to profit or loss. Dividends from such investments continue to be recognised in profit or loss as Investment income when a.s.r.\u2019s right to receive payments is established. Impairment requirements are not applicable to equity investments measured as FVOCI. </p>\n<div class=\"header header-3\">Financial assets at FVTPL </div>\n<p>Financial assets at FVTPL are measured at fair value. Net gains and losses, including any interest or dividend income and foreign exchange gains and losses, are recognised in profit or loss. Impairment requirements are not applicable to financial assets measured at FVTPL. </p>\n<p>See accounting policy <a href=\"#n1286848\" title=\"V3. Investment income\">V3</a>. </p>\n<div class=\"header header-2\">Financial liabilities </div>\n<div class=\"header header-2\">Classification </div>\n<p>a.s.r. classifies its liabilities into one of the following categories: </p><ul><li>\n<p>financial liabilities at FVTPL (derivatives); or </p></li><li>\n<p>financial liabilities at amortised cost (all other financial liabilities). </p></li></ul>\n<div class=\"header header-2\">Subsequent measurement and gains and losses </div>\n<div class=\"header header-3\">Financial liabilities at FVTPL </div>\n<p>Financial liabilities at FVTPL are measured at fair value. Net gains and losses, including any interest expenses and foreign exchange gains and losses, are recognised in profit or loss. </p>\n<div class=\"header header-3\">Financial liabilities at amortised cost </div>\n<p>Financial liabilities at amortised cost are measured at amortised cost using the effective interest method. Interest expenses, foreign exchange gains and losses are recognised in profit or loss. Any gain or loss on derecognition is also recognised in profit or loss. </p>\n<div class=\"header header-2\">Accrued interest </div>\n<p>In line with Solvency II reporting a.s.r. accounts for financial liabilities at their \u201cdirty\u201d fair value, thus including any related accrued interest. </p>\n<div class=\"header header-2\">Interest on financial liabilities </div>\n<p>Interest expenses are calculated by applying the effective interest rate to the amortised cost of the liability. When calculating the effective interest rate, a.s.r. estimates future cash flows considering all contractual terms of the liability. </p>\n<div class=\"header header-2\">Derivatives including embedded derivatives </div>\n<p>Derivatives within the insurance entities are primarily used by a.s.r. for hedging interest rate and exchange rate risks, for hedging future transactions and the exposure to market risks. </p>\n<p>These derivatives are classified as held-for-trading. Derivatives are measured at fair value with changes in fair value recognised in profit or loss. Derivatives may be embedded in another contractual arrangement (a host contract). </p>\n<p>For contracts where the host contract is a financial asset in the scope of IFRS 9, the hybrid financial instrument as a whole is assessed for classification and the embedded derivative is not separated from the host contract. </p>\n<p>A derivative embedded in a host insurance or reinsurance contract is not accounted for separately from the host contract if the embedded derivate itself meets the definition of an insurance or reinsurance contract. </p>\n<p>For other contracts, a.s.r. accounts for an embedded derivative separately from the host contract when: </p><ul><li>\n<p>the hybrid contract is not measured at FVTPL; </p></li><li>\n<p>the terms of the embedded derivative would have met the definition of a derivative if they were contained in a separate contract; and </p></li><li>\n<p>the economic characteristics and risks of the embedded derivative are not closely related to those of the host contract. </p></li></ul>\n<div class=\"header header-2\">Impairments in the P&amp;L </div>\n<p>a.s.r. recognises loss allowances for ECL on debt instruments measured at amortised cost or FVOCI. a.s.r. uses the low credit risk simplification for investment grade debt instruments and recognises a lifetime ECL for other financial assets using the simplified approach. Lifetime ECL are the ECL that result from all possible default events over the expected life of a financial instrument. </p>\n<p>ECLs are a probability-weighted estimate of credit losses. Credit losses are measured as the present value of all cash shortfalls (i.e. the difference between the cash flows due to a.s.r. in accordance with the contract and the cash flows that a.s.r. expects to receive). The maximum period considered when estimating ECLs is the maximum contractual period over which a.s.r. is exposed to credit risk. </p>\n<div class=\"header header-3\">Write-off </div>\n<p>The gross carrying amount of a financial asset is written off (either partially or in full) to the extent that there is no realistic prospect of recovery. This is generally the case when a.s.r. determines that the borrower does not have assets or resources of income that could generate sufficient cash flows to repay the amounts subject to the write-off. However, financial assets that are written off could still be subject to enforcement activities in order to comply with a.s.r.\u2019s procedures for recovery of amounts due. Should amounts be recovered these are then recognised when the payment has been received. </p>\n<div class=\"header header-2\">Derecognition and contract modification </div>\n<div class=\"header header-2\">Financial assets </div>\n<p>a.s.r. derecognises a financial asset when the contractual rights to the cash flows from the financial asset expire, or it transfers the rights to receive the contractual cash flows in a transaction in which substantially all of the risks and rewards of ownership of the financial asset are transferred or in which a.s.r. neither transfers nor retains substantially all of the risks and rewards of ownership and it does not retain control of the financial asset. </p>\n<p>On derecognition of a financial asset, the difference between the carrying amount at the date of derecognition and the consideration received (including any new asset obtained less any new liability assumed) is recognised in the income statement, unless the financial asset is an equity instrument and is measured at fair value through other comprehensive income. For these instruments any revaluation amount is transferred within equity from unrealised gains and losses to retained earnings. </p>\n<p>a.s.r. enters into transactions whereby it transfers assets recognised in its balance sheet, but retains either all or substantially all of the risks and rewards of the transferred assets. In these cases, the transferred assets are not derecognised. Examples of such transactions are repurchase agreements, securities lending and reverse repurchase agreements. The asset recognised for cash collateral paid on reverse repurchase agreements is presented under investments. The liability recognised for cash collateral received on repurchase agreements is presented under the line item due to banks. </p>\n<p>In transactions in which a.s.r. neither retains nor transfers substantially all of the risks and rewards of ownership of a financial asset and it retains control over the asset, a.s.r. continues to recognise the asset to the extent of its continuing involvement, determined by the extent to which it is exposed to changes in the value of the transferred asset. </p>\n<p>If the terms of a financial asset are modified, then a.s.r. evaluates whether the cash flows of the modified asset are substantially different. If the cash flows are substantially different, then the contractual rights to cash flows from the original financial asset are deemed to have expired. In this case, the original financial asset is derecognised and a new financial asset is recognised at fair value. </p>\n<p>If a financial asset measured at amortised cost is modified but not substantially, then the financial asset is not derecognised. If the asset has not been derecognised, then a.s.r. recalculates the gross carrying amount of the financial asset by discounting the modified contractual cash flows at the original effective interest rate and recognises the resulting adjustment to the gross carrying amount as a modification gain or loss in profit or loss. If such a modification is carried out because of financial difficulties of the borrower, then the gain or loss is presented together with impairment losses; in other cases, it is presented as interest revenue. </p>\n<div class=\"header header-2\">Financial liabilities </div>\n<p>a.s.r. generally derecognises a financial liability when its contractual obligations expire or are discharged or cancelled. a.s.r. also derecognises a financial liability when its terms are modified and the cash flows of the modified liability are substantially different (i.e. the net present value of the of the cash flows under the new terms discounted at the original effective interest rate is at least 10% different from the discounted present value of the remaining cash flows of the original debt instrument), in which case a new financial liability based on the modified terms is recognised at fair value. </p>\n<p>On derecognition of a financial liability, the difference between the carrying amount extinguished and the consideration paid (including any non-cash assets transferred or liabilities assumed) is recognised in profit or loss. </p>\n<p>If a financial liability measured at amortised cost is not substantially modified, then it is not derecognised. For such financial liabilities, a.s.r. recalculates the amortised cost of the financial liability by discounting the modified contractual cash flows at the original effective interest rate and recognises any resulting adjustment to the amortised cost as a modification gain or loss in \u2018other finance expenses\u2019 in profit or loss. Any costs and fees incurred adjust the carrying amount of the liability and are amortised over the remaining term of the modified liability. </p>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n1286397\"><span class=\"title-text\">F1. Insurance contracts </span></h1>\n<div class=\"header header-2\">Classification </div>\n<p>Insurance contracts issued by a.s.r. are contracts that transfer significant insurance risks, and in some cases also financial risk, from the policyholder to a.s.r. Contracts measured using the GMM or PAA are classified on the balance sheet as insurance contract liabilities and contracts measured using the VFA are classified as liabilities arising from direct participating insurance contracts. </p>\n<p>a.s.r. offers non-life insurance contracts and life insurance contracts as shown in the table below. </p>\n<h3 class=\"table-title\">Measurement model applied </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:21%;\"/><col style=\"width:32%;\"/><col style=\"width:47%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:middle;\"><b>Segment </b></th><th class=\"startCol-2 endCol-2 valign-middle border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:middle;\"><b>Product </b></th><th class=\"startCol-3 endCol-3 valign-middle border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:middle;\"><b>Measurement model applied </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Non-life </td><td class=\"startCol-2 endCol-2 valign-bottom border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">P&amp;C </td><td class=\"startCol-3 endCol-3 valign-bottom border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">GMM or PAA </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-bottom border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Disability </td><td class=\"startCol-3 endCol-3 valign-bottom border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">GMM </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-bottom border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Health </td><td class=\"startCol-3 endCol-3 valign-bottom border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">PAA </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Life </td><td class=\"startCol-2 endCol-2 valign-bottom border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Life individual </td><td class=\"startCol-3 endCol-3 valign-bottom border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">GMM or VFA </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-bottom border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Pension </td><td class=\"startCol-3 endCol-3 valign-bottom border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">GMM or VFA </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-bottom border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Funeral </td><td class=\"startCol-3 endCol-3 valign-bottom border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">GMM </td></tr></tbody></table> <br/>\n<div class=\"header header-2\">Insurance contract liabilities </div>\n<div class=\"header header-3\">Non-life insurance contracts </div>\n<p>Non-life insurance contracts are contracts that provide cover that is not related to the life or death of insured persons. These insurance contracts are primarily classified into the following categories: Disability, Health, P&amp;C (motor, fire and liability). </p>\n<div class=\"header header-3\">Life insurance contracts </div>\n<p>The segment Life includes: annuities, term insurance policies, savings contracts and funeral insurance contracts. In addition to non-participating life insurance contracts, the insurance portfolio also includes: </p><ul><li>\n<p>Individual and group participating contracts; </p></li><li>\n<p>Individual contracts with discretionary participation features; </p></li><li>\n<p>Group contracts with segregated pools with returns based on investment guarantees. </p></li></ul>\n<p>Life insurance contracts with participation features are included within the Life segment. Under these contracts, policyholders are assigned, in addition to their entitlement to a guaranteed element, an entitlement to potentially significant additional benefits whose amount or timing is contractually at the discretion of a.s.r. These additional benefits are based on the performance of a specified pool of investments held by a.s.r. or on the issuer\u2019s operational result. </p>\n<div class=\"header header-3\">Liabilities arising from direct participating insurance contracts. </div>\n<p>a.s.r. classifies an insurance contract as a direct participating contract for which at inception the following criteria are met: </p><ul><li>\n<p>the contractual terms specify that the policyholder participates in a share of a clearly identified pool of underlying items; </p></li><li>\n<p>a.s.r. expects to pay the policyholder an amount equal to a substantial share of the fair value returns on the underlying items; and </p></li><li>\n<p>a.s.r. expects a substantial proportion of any change in the amounts to be paid to the policy holder to vary with the change in the fair value of the underlying items. </p></li></ul>\n<p>Life insurance contracts with direct participating features are included within the Life segment and mainly concern unit-linked contracts and group pension contracts, with policyholders bearing the investment risk. An investment unit is a share in an investment fund that a.s.r. acquires on behalf of the policyholders using net premiums paid by the policyholders. The cash flow upon maturity of the contract is equal to the value of the investment units of the fund in question. </p>\n<p>Contracts that meet the requirements of a direct participating contract are measured using the variable fee approach. </p>\n<div class=\"header header-2\">Separating components </div>\n<p>Currently a.s.r. does not separate any components from its insurance contracts. </p>\n<p>Non-distinct investment components are identified for products where under all circumstances a payment will be made to the policyholder. These are generally recognised for GMM as the surrender value of the funeral insurance and as the savings account related to the mortgage savings insurance. For VFA policies the non-distinct investment component is the investment fund value and if applicable determined gross or net of surrender charges depending on product type. </p>\n<div class=\"header header-2\">Level of aggregation </div>\n<p>Insurance contracts are aggregated into groups for measurement purposes. a.s.r. identifies portfolios of insurance contracts comprising contracts subject to similar risks and managed together. Each portfolio is then divided into cohorts of contracts issued within a maximum of one year and divided into two groups based on the profitability buckets for: </p><ul><li>\n<p>any contracts that are onerous on initial recognition; and </p></li><li>\n<p>any remaining contracts in the portfolio. </p></li></ul>\n<p>The profitability bucket for contracts that have no significant possibility of becoming onerous subsequently is currently not used by a.s.r. </p>\n<p>Similar risks managed together are generally based on the homogeneous risk groups similar to those used in Solvency II at inception, more or less granularity is applied where applicable. Contracts within a portfolio that would fall into different groups only because law or regulation specifically constraints a.s.r.\u2019s practical ability to set a different price or level of benefits for policyholders with different characteristics are included in the same group. This applies to contracts issued in Europe that are required by EU regulation to be priced on a gender-neutral basis. </p>\n<p>The resulting groups represent the level at which the recognition and measurement accounting policies are applied. The groups are established on initial recognition and their composition is not subsequently reassessed. </p>\n<p>Whether a contract is onerous or not is a policy (test) which is set per business. Part of this policy will be pricing and thresholds and forward looking metrics available within a.s.r. The test is performed based on the contracts which are issued in any specific calendar year and are grouped according to the similar risks managed together criteria as described above. The test is generally performed on a set of contracts using reasonable and supportable information, considering that the outcome would be the same had the individual policy assessment been performed. </p>\n<div class=\"header header-2\">Recognition </div>\n<p>a.s.r. recognises a group of insurance contracts issued from the earliest of: </p><ul><li>\n<p>the beginning of the coverage period of the group of contracts. The coverage period is the period during which a.s.r. provides services (insurance services, investment-return services or investment-related services) in respect of all premiums within the boundary of the insurance contract; </p></li><li>\n<p>the date when the first payment from a policyholder in the group becomes due. If there is no contractual due date, then it is considered to be the date when the first payment is received from the policyholder; or </p></li><li>\n<p>the date when facts and circumstances indicate that the contract is onerous. </p></li></ul>\n<p>Insurance contracts acquired in a (portfolio) transfer or a business combination are recognised on the date of acquisition. </p>\n<p>When the contract is recognised, it is added to an existing group of contracts or, if the contract does not qualify for inclusion in an existing group, it forms a new group to which future contracts can be added. Groups of contracts are established on initial recognition and their composition is not revised once all contracts have been added to the group. </p>\n<div class=\"header header-2\">Contract boundaries </div>\n<p>The measurement of a group of contracts includes all of the future cash flows within the boundary of each contract in the group. Cash flows are within the boundary of a contract if they arise from substantive rights and obligations that exist during the reporting period under which a.s.r. can compel the policyholder to pay premiums or has a substantive obligation to provide services. </p>\n<p>A substantive obligation to provide services ends when: </p><ul><li>\n<p>a.s.r. has the practical ability to reassess the risks of the particular policyholder and can set a price or level of benefits that fully reflects those reassessed risks; or </p></li><li>\n<p>a.s.r. has the practical ability to reassess the risks of the portfolio that contains the contract and can set a price or level of benefits that fully reflects the risks of that portfolio; and the pricing of the premiums for coverage up to the reassessment date does not consider risks that relate to periods after the reassessment date. </p></li></ul>\n<p>For individual contracts with discretionary features the contract boundary is defined so that cash flows are within the contract boundary if they result from a substantive obligation of a.s.r. to deliver cash at a present or future date. </p>\n<p>The contract boundary is reassessed at each reporting period and more frequently if and when product characteristics and/or conditions fundamentally change and, therefore, may change over time. </p>\n<div class=\"header header-2\">Measurement </div>\n<p>a.s.r. uses the following measurement models: </p><ul><li>\n<p>the general measurement model (GMM); </p></li><li>\n<p>the variable fee approach (VFA) for contracts with a direct participating feature; and </p></li><li>\n<p>the premium allocation approach (PAA) which is a simplified version of the GMM and is used mainly for short-duration contracts. </p></li></ul>\n<div class=\"header header-2\">Measurement \u2013 contracts measured under the GMM </div>\n<div class=\"header header-3\">Initial measurement </div>\n<p>On initial recognition, a.s.r. measures a group of insurance contracts as the total of: </p><ul><li>\n<p>the fulfilment cash flows, which comprise estimates of future cash flows, adjusted to reflect the time value of money and the associated financial risk and the risk adjustment for non-financial risk (RA); and </p></li><li>\n<p>the CSM. </p></li></ul>\n<p>The measurement of the fulfilment cash flows of a group of insurance contracts does not reflect non-performance risk of a.s.r. It is the net present value of the projected cash flows of benefits and expenses, less the net present value of premiums, adjusted for the risk adjustment. These cash flows are estimated using realistic, \u201cbest estimate\u201d, assumptions in relation to mortality, longevity, disability, lapse rate, expense and inflation. The best estimate assumptions regarding mortality and longevity include recent trend assumptions for life expectancy in the Netherlands, as provided by the Dutch Actuarial Association. The best estimate includes the intrinsic value and the time value of options and guarantees (TVOG: Time Value of Financial Options and Guarantees) and is calculated using stochastic techniques. </p>\n<p>Where applicable, the direct or discretionary participating features of the insurance contracts, such as profit sharing, and any guaranteed benefits at maturity are considered in the future cash flows. The cash flows are discounted using the base curve being the Solvency II curve (including the VA), published by EIOPA excluding the UFR of 3,45% in 2023 (2022: 3.45%). a.s.r. uses an UFR of 3,40% in 2023 (2022: 3.45%) for the construction of the curve from the first smoothing point (FSP). </p>\n<p>Insurance pre-acquisition cash flows that a.s.r. pays before the related group of contracts is recognised (i.e. for renewals of insurance contracts or insurance contracts recognised in the following period), are presented as an asset under the insurance contract liabilities. When the group of contracts is recognised, these cash flows are included by way of expected acquisition cash flows in the measurement of the group and the previously recognised asset is transferred and included as part of expected acquisition cash flows initially recognised in the insurance liability. The insurance pre-acquisition cash flow asset is reassessed for a possible impairment trigger at each reporting date. </p>\n<p>The risk adjustment for a group of insurance contracts is the compensation required for bearing uncertainty about the amount and timing of the cash flows that arises from non-financial risk. </p>\n<p>a.s.r. disaggregates changes in the risk adjustment for non-financial risk between the insurance service result and insurance finance income or expenses. See chapter <a href=\"#n1288854\" title=\"Assumptions used\">7.5.13.3</a>. </p>\n<p>The CSM of a group of insurance contracts represents the unearned profit that a.s.r. will recognise as it provides service under those contracts. On initial recognition of a group of insurance contracts, if the total fulfilment cash flows allocated to the contract, any previously recognised insurance acquisition cash flows and any cash flows arising from the contract at the date of initial recognition is a net inflow, then the group is not onerous. In this case, the CSM is measured as the equal and opposite amount of the net inflow, which results in no income or expenses arising on initial recognition. </p>\n<p>For groups of contracts acquired, the consideration received for the contracts is included in the fulfilment cash flows as a proxy for the premiums received at the date of acquisition. For business combinations see accounting policy I. </p>\n<p>If the total of the fulfilment cash flows is a net outflow, then the group is onerous. In this case, the net outflow is recognised as a loss in the income statement, or as an adjustment to goodwill or a gain on a bargain purchase if the contracts are acquired in a business combination. A loss component is created as part of the insurance liabilities to depict any losses recognised in the income statement, which determines the amounts that are subsequently presented in the income statement as reversals of losses on onerous groups. </p>\n<div class=\"header header-3\">Subsequent measurement </div>\n<p>The carrying amount of a group of insurance contract liabilities at each reporting date is the sum of the liability for remaining coverage and the liability for incurred claims. The liability for remaining coverage comprises: </p><ul><li>\n<p>the fulfilment cash flows that relate to services that will be provided under the contracts in future periods including the risk adjustment; and </p></li><li>\n<p>any remaining CSM at that date. </p></li></ul>\n<p>The liability for incurred claims comprises the fulfilment cash flows for incurred claims and attributable expenses that have not yet been paid, including claims that have been incurred but not yet reported, and the handling of the payments to policyholders. For the contracts in the Non-life segment this concerns all future payments related to the incurred claim (the LIC option), whereas for contracts in the Life segment this concerns the amounts payable for the period (LRC option). </p>\n<p>The fulfilment cash flows of groups of insurance contracts are measured at the reporting date using current estimates of future cash flows, current discount rates and current estimates of the risk adjustment for non-financial risk. Changes in fulfilment cash flows are recognised as follows: </p><ul><li>\n<p>Changes relating to future services are adjusted against the CSM (or recognised in the insurance service result in profit or loss if the group is onerous); </p></li><li>\n<p>Changes relating to current or past services are recognised in the insurance service result in the income statement; </p></li><li>\n<p>Effects of the time value of money, financial risk and changes therein on estimated future cash flows and risk adjustment for non-financial risk are recognised as insurance finance income or expenses. </p></li></ul>\n<p>The CSM of each group of contracts is subsequently calculated at each reporting date. </p>\n<p>The carrying amount of the CSM at the end of each reporting period is the carrying amount at the start of the reporting period, adjusted for: </p><ul><li>\n<p>The CSM of any new contracts that are added to the group in the period; </p></li><li>\n<p>Interest accreted on the carrying amount of the CSM during the period, measured at the discount rates on nominal cash flows that do not vary based on the returns on any underlying items determined on initial recognition; </p></li><li>\n<p>Changes in fulfilment cash flows that relate to future services, except to the extent that: </p><ul><li>\n<p>Any increases in the fulfilment cash flows exceed the carrying amount of the CSM, in which case the excess is recognised as a loss in the income statement and creates a loss component; or </p></li><li>\n<p>Any decreases in the fulfilment cash flows are allocated to the loss component, reversing losses previously recognised in profit or loss; and </p></li></ul></li><li>\n<p>The amount recognised as insurance contract revenue due to the services provided in the period. </p></li></ul>\n<p>Changes in fulfilment cash flows that relate to future services comprise: </p><ul><li>\n<p>Experience adjustments arising from premiums received in the period that relate to future services and related cash flows, measured at the discount rates determined on initial recognition and non-distinct investment components; </p></li><li>\n<p>Changes in estimates of the present value of future cash flows in the liability for remaining coverage, measured at the discount rates determined on initial recognition, except for those that relate to the effects of the time value of money, financial risk and changes therein; and </p></li><li>\n<p>Changes in the risk adjustment for non-financial risk that relate to future services. </p></li></ul>\n<p>CSM is recognised as revenue following the services provided. This is generally on a straight-line basis over the expected coverage period (taking into account contract terms and lapse assumptions) on an individual insurance contract basis. </p>\n<p>Changes in discretionary cash flows are regarded as relating to future services and accordingly adjust the CSM. a.s.r. allocates the CSM to each period based on the passage of time as the service (insurance services and investment-return services) is deemed to be delivered equally over the coverage period. </p>\n<p>To determine whether changes in cash flows are deemed to be changes in discretionary cash flows, a.s.r. exercises judgement in specifying at inception what is regarded as their commitment under the contract. How a.s.r. specifies its commitment under the contract will determine how much of the changes in expected future cash flows will be reflected immediately in profit or loss or will adjust CSM. </p>\n<div class=\"header header-2\">Measurement \u2013 contracts measured under the VFA </div>\n<p>The VFA measurement model is used for direct participating contracts. This measurement model is identical to the GMM at initial recognition, however, subsequent measurement differs from the GMM. </p>\n<p>Direct participating insurance contracts are contracts under which a.s.r.\u2019s obligation to the policyholder is the net of: </p><ul><li>\n<p>The obligation to pay the policyholder an amount equal to the fair value of the underlying items; and </p></li><li>\n<p>A variable fee in exchange for future services provided by the contracts, being a.s.r.\u2019s share of the fair value of the underlying items less fulfilment cash flows that do not vary based on the returns on underlying items. a.s.r. provides investment-related services under these contracts by promising an investment return based on underlying items, in addition to insurance coverage. </p></li></ul>\n<p>When measuring a group of direct participating contracts, a.s.r. adjusts the fulfilment cash flows for the whole of the changes in the obligation to pay policyholders an amount equal to the fair value of the underlying items. These changes do not relate to future services and are recognised in the income statement. a.s.r. then adjusts any CSM for changes in the a.s.r.\u2019s share of the fair value of the underlying items, which relates to future services, as explained below. </p>\n<div class=\"header header-3\">Subsequent measurement </div>\n<p>The carrying amount of the CSM at the end of each reporting period is the carrying amount at the start of the reporting period, adjusted for: </p><ul><li>\n<p>The CSM of any new contracts that are added to the group in the period; </p></li><li>\n<p>a.s.r.\u2019s share of the change in the fair value of the underlying items and changes in fulfilment cash flows that relate to future services, except to the extent that: </p><ul><li>\n<p>a.s.r. has chosen to exclude from the CSM changes in the effect of financial risk on its share of the underlying items; </p></li><li>\n<p>a.s.r.\u2019s share of a decrease in the fair value of the underlying items, or an increase in the fulfilment cash flows that relate to future services, exceeds the carrying amount of the CSM, giving rise to a loss in the income statement (included in insurance service expenses) and creating a loss component; or </p></li><li>\n<p>a.s.r.\u2019s share of an increase in the fair value of the underlying items, or a decrease in the fulfilment cash flows that relate to future services, is allocated to the loss component, reversing losses previously recognised in the income statement (included in insurance service expenses); and </p></li></ul></li><li>\n<p>The amount recognised as insurance contract revenue because of the services provided in the period. </p></li></ul>\n<p>Changes in fulfilment cash flows that relate to future services include the changes relating to future services specified above for contracts with direct participation features (measured at current discount rates) , the effect of the time value of money and financial risks and the risk mitigation option where applicable. </p>\n<p>CSM is recognised as insurance contract revenue following the services provided. This is generally on a straight-line basis over the expected coverage period (taking into account contract terms and lapse assumptions) on an individual insurance contract basis. </p>\n<p>a.s.r. allocates the CSM to each period based on the passage of time as the investment-related services provided in relation to the investment component and the insurance services provided in relation to the insurance component are deemed to be delivered equally over the coverage period. </p>\n<div class=\"header header-3\">Risk mitigation </div>\n<p>a.s.r. has chosen to apply the risk mitigation option to certain VFA contracts, thereby not recognising a change in the CSM to reflect some or all of the changes in the effect of the time value of money and financial risk (that would normally adjust the CSM) on: </p><ul><li>\n<p>The amount of a.s.r.\u2019s share of the underlying items if a.s.r. mitigates the effect of financial risk on that amount using derivatives or reinsurance contracts held; and </p></li><li>\n<p>The fulfilment cash flows if a.s.r. mitigates the effect of financial risk on those fulfilment cash flows using derivatives, non-derivative financial instruments measured at FVTPL, or reinsurance contracts held. </p></li></ul>\n<p>If a.s.r. mitigates the effect of financial risk using derivatives or non-derivative financial instruments measured at FVTPL, it shall include insurance finance income or expenses for the period arising from the application of the risk mitigation in profit or loss. </p>\n<p>If a.s.r. mitigates the effect of financial risk using reinsurance contracts held, it shall apply the same accounting policy for the presentation of insurance finance income or expenses arising from the application of the risk mitigation as a.s.r. applies to other reinsurance contracts held. a.s.r. does not currently use reinsurance as a hedge instrument dedicated to financial risks. </p>\n<div class=\"header header-2\">Measurement \u2013 contracts measured under the PAA </div>\n<p>The PAA simplifies the measurement of groups of contracts when: </p><ul><li>\n<p>the coverage period of each contract in the group of contracts is one year or less; or </p></li><li>\n<p>a.s.r. expects that the resulting measurement would not differ materially from the result of applying the GMM. </p></li></ul>\n<div class=\"header header-3\">Initial measurement </div>\n<p>On initial recognition of each group of contracts, the carrying amount of the liability for remaining coverage is measured at the premiums received on initial recognition. Insurance acquisition cash flows are recognised as expenses when they are incurred making use of the option under IFRS 17. The risk adjustment is an implicit part of the valuation of the related liability. </p>\n<div class=\"header header-3\">Subsequent measurement. </div>\n<p>Subsequently, the carrying amount of the liability for remaining coverage is increased by any premiums received and decreased by the amount recognised as insurance contract revenue for coverage provided. This is recognised over the coverage period based on the passage of time. </p>\n<p>If at any time during the coverage period, facts and circumstances indicate that a group of contracts is onerous, then a.s.r. recognises a loss in the income statement and increases the liability for remaining coverage to the extent that the current estimates of the fulfilment cash flows that relate to remaining coverage (including the risk adjustment for non-financial risk) exceed the carrying amount of the liability for remaining coverage. </p>\n<p>a.s.r. recognises the liability for incurred claims of a group of insurance contracts at the amount of the fulfilment cash flows relating to incurred claims, including a risk adjustment for non-financial risk. The fulfilment cash flows are discounted at current rates. </p>\n<div class=\"header header-2\">Derecognition and contract modification </div>\n<p>a.s.r. derecognises a contract when it is extinguished \u2013 i.e. when the specified obligations in the contract expire or are discharged or cancelled. </p>\n<p>a.s.r. also derecognises a contract if its terms are modified in a way that would have changed the accounting for the contract significantly had the new terms always existed, in which case a new contract based on the modified terms is recognised. If a contract modification does not result in derecognition, then a.s.r. treats the changes in cash flows caused by the modifications as changes in estimates of fulfilment cash flows. </p>\n<p>On the derecognition of a contract from within a group of contracts: </p><ul><li>\n<p>The fulfilment cash flows allocated to the group are adjusted to eliminate the present value of the future cash flows and risk adjustment for non-financial risk relating to the rights and obligations that have been derecognised from the group; and </p></li><li>\n<p>The CSM of the group is adjusted for the change in fulfilment cash flows. </p></li></ul>\n<p>If a contract is derecognised because its terms are substantially modified, then the CSM is also adjusted for the premium that would have been charged had a.s.r. entered into a contract with the new contract\u2019s terms at the date of modification, less any additional premium charged for the modification. The new contract recognised is measured assuming that, at the date of modification, the issuer received the premium that it would have charged less any additional premium charged for the modification. </p>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n1286420\"><span class=\"title-text\">F2. Reinsurance contracts </span></h1>\n<div class=\"header header-2\">Classification </div>\n<p>Contracts held by a.s.r. under which it transfers significant insurance risk related to insurance contracts are classified as reinsurance contracts. a.s.r. does not issue reinsurance contracts. </p>\n<div class=\"header header-2\">Separating components and Level of aggregation </div>\n<p>The accounting principles for the separation of components do not differ from those for insurance contracts. For the determination of the level of aggregation for reinsurance contracts the accounting principles are the same with the exception that a reinsurance contract cannot be classified as onerous. </p>\n<div class=\"header header-2\">Recognition </div>\n<p>a.s.r. recognises a group of reinsurance contracts held that do not provide proportionate coverage at the earlier of (i) the beginning of the coverage period of the group of reinsurance contracts held; and (ii) the date a.s.r. recognises an onerous group of underlying contracts if a.s.r. entered into the related reinsurance contract held at or before that date. </p>\n<div class=\"header header-2\">Contract boundaries </div>\n<p>The measurement of a group of reinsurance contracts held includes all of the future cash flows within the boundary of each contract in the group. Cash flows are within the boundary of a contract if they arise from substantive rights and obligations that exist during the reporting period under which a.s.r. has a right to receive services from the reinsurer and is compelled to pay premiums. </p>\n<div class=\"header header-2\">Measurement \u2013 contracts under the PAA </div>\n<p>a.s.r. uses the PAA as the default measurement approach for reinsurance contracts with a coverage period of one year or less, but the business line has the option to choose the GMM. </p>\n<p>To measure a group of reinsurance contracts a.s.r. applies the same accounting policies for the related insurance contracts, adapted where necessary to reflect the features of reinsurance contracts held that differ from those of the insurance contracts. </p>\n<div class=\"header header-2\">Measurement \u2013 contracts under the GMM </div>\n<p>a.s.r. applies the same accounting policies for insurance contracts to measure a group of reinsurance contracts, with the following modifications. </p>\n<p>The carrying amount of a group of reinsurance contracts at each reporting date is the sum of the remaining coverage component and the incurred claims component. The remaining coverage component comprises: </p><ul><li>\n<p>The fulfilment cash flows that relate to services that will be received under the contracts in future periods including the risk adjustment; and </p></li><li>\n<p>Any remaining CSM at that date. </p></li></ul>\n<p>a.s.r. measures the estimates of the present value of future cash flows using assumptions that are consistent with those used to measure the estimates of the present value of future cash flows for the underlying insurance contracts. </p>\n<div class=\"header header-3\">Loss-recovery component </div>\n<p>a.s.r. determines a loss-recovery component of the asset for remaining coverage of a group of reinsurance contracts held when a.s.r. recognises a recovery of a loss on initial recognition of an onerous group of underlying contracts as well as for subsequent measurement of the recovery of losses. This loss-recovery component is accounted for in a manner consistent with the loss component of the group of underlying insurance contracts issued. As such, as cedant, a.s.r. determines the resulting amount of the loss-recovery at initial recognition to be recognised in profit or loss by multiplying: </p><ul><li>\n<p>The loss recognised on the group of underlying insurance contracts; and </p></li><li>\n<p>The percentage of claims on underlying contracts a.s.r. expects to recover from the group of reinsurance contracts held. </p></li></ul>\n<p>After a.s.r. has established a loss-recovery component, it shall adjust it to reflect changes in the loss component of the underlying contracts. Therefore, the balance of loss-recovery component needs to be tracked along the fulfilment of the reinsurance group and run off to zero at the end of the reinsurance coverage period or earlier when the loss component on the underlying group(s) has been fully reversed. The carrying amount of the loss recovery component shall not exceed the portion of the carrying amount of the loss component of the underlying insurance contracts that a.s.r. expects to recover from the group of reinsurance contracts held. </p>\n<p>The risk adjustment for non-financial risk is the amount of the risk transferred by a.s.r. to the reinsurer. </p>\n<p>On initial recognition, the CSM of a group of reinsurance contracts represents a net cost or net gain on purchasing reinsurance. It is measured as the equal and opposite amount of the total of the fulfilment cash flows, any derecognised assets for cash flows occurring before the recognition of the group and any cash flows arising at that date, and taking into account any recognised loss recovery component, if applicable. However, if any net cost on purchasing reinsurance coverage relates to insured events that occurred before the purchase of the group, then a.s.r. recognises the cost immediately in the income statement as an expense. </p>\n<p>The carrying amount of the CSM at the end of each reporting period is the carrying amount at the start of the reporting period, adjusted for: </p><ul><li>\n<p>The CSM of any new contracts that are added to the group in the period; </p></li><li>\n<p>Interest accreted on the carrying amount of the CSM during the period, measured at the discount rates on nominal cash flows that do not vary based on the returns on any underlying items determined on initial recognition; </p></li><li>\n<p>Changes in fulfilment cash flows that relate to future services, unless the change results from a change in fulfilment cash flows allocated to a group of onerous underlying insurance contracts, in which case the change is recognised in the income statement; </p></li><li>\n<p>The amount recognised in the income statement because of the services received in the period. </p></li></ul>\n<p>CSM is recognised in profit or loss following the services provided. </p>\n<div class=\"header header-3\">Non-performance risk </div>\n<p>Changes in the fulfilment cash flows related to the risk of non-performance do not adjust the CSM, therefore a.s.r. recognises them in profit or loss. This requires that the fulfilment cash flows must be adjusted to include the effect of any non-performance risk, or credit risk, by the reinsurer. </p>\n<p>Reinsurance contracts cannot be onerous. </p>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n1286442\"><span class=\"title-text\">G. Employee benefits </span></h1>\n<div class=\"header header-2\">Pension obligations </div>\n<p>a.s.r. has with effect 2021, defined contribution (DC) plans for all its employees, including employees that are employed by entities that operate in the Distribution and Service segment. For these DC plans, a.s.r. pays contributions to privately administered pension insurance plans with ASR Levensverzekering N.V. (a.s.r. life) on a contractual basis. a.s.r. life recognises these contracts as insurance contracts. They are accounted for in accordance with liabilities arising from insurance contracts (accounting policy <a href=\"#n1286397\" title=\"F1. Insurance contracts\">F1</a>). </p>\n<p>With regards to the DC plans, Aegon employees had a DC plan with Aegon Cappital as of 2020, and as of 1 October 2023 this DC plan became non-contributory, as they entered the a.s.r. DC plan. </p>\n<p>a.s.r. has no further payment obligations to the employees once the contributions have been paid. The contributions are recognised as operating expenses in the income statement during the period the services are rendered. Prepaid contributions are recognised as an asset to the extent that a cash refund or a reduction in future payments is available. </p>\n<p>In addition, a number of defined benefit (DB) plans for own employees exist, which ended at the end of 2019 (Aegon NL DB) and 2020 (a.s.r. DB), and were left non-contributory. The defined benefit obligation continues to exist. The plans are schemes under which employees are awarded pension benefits upon retirement, usually dependent on one or more factors, such as years of service and compensation. The defined benefit obligation is calculated at each reporting date by independent actuaries. </p>\n<p>The liability in respect of DB plans is the present value of the defined benefit obligation at the balance sheet date, less the fair value of the plan assets where the pension plans are insured by third parties. </p>\n<p>a.s.r. life and Aegon life administers most of the post-employment benefit plans and holds the investments that are intended to cover the employee benefit obligation. These investments do not qualify as plan assets in the consolidated financial statements under IFRS. </p>\n<p>Pension obligations are calculated using the projected unit credit method. Inherent to this method is the application of actuarial assumptions for discount rates, future salary increases and bonuses, mortality rates and consumer price indices. The assumptions are updated and checked at each reporting date, based on available market data. The assumptions and reports were reviewed by Risk Management. </p>\n<p>Actuarial assumptions may differ from actual results due to changes in market conditions, economic trends, mortality trends and other assumptions. Any change in these assumptions can have a significant impact on the defined benefit obligation and future pension costs. </p>\n<p>Changes in the expected actuarial assumptions and differences with the actual actuarial outcomes are recognised in the actuarial gains and losses included in other comprehensive income (component of total equity). </p>\n<p>When employee benefit plans are modified and when no further obligations exist, a gain or loss, resulting from the changes are recognised directly in the income statement. Consistent with the calculation of a gain or loss on a plan amendment, a.s.r. will use updated actuarial assumptions to determine the current service cost and net interest for the remainder of the annual reporting period upon the time of such amendment. The effect of the asset ceiling, if applicable, is disregarded when calculating the gain or loss on any settlement of the plan. </p>\n<p>The financing cost related to employee benefits is recognised in interest expense. The current service costs are included in operating expenses. </p>\n<div class=\"header header-2\">Other long-term employee benefits </div>\n<p>Plans that offer benefits for long-service (leave), but do not qualify as a post-employment benefit plan, such as jubilee benefits, are measured at present value using the projected unit credit method and changes are recognised directly in the income statement. </p>\n<div class=\"header header-2\">Other post-retirements obligations </div>\n<p>a.s.r. offers post-employment benefit plans, such as arrangement for mortgage loans at a discount (fixed amount, reference date December 2017). The entitlement to these benefits is usually conditional on the employee remaining in service up to retirement age and the completion of a minimum service period. The expected costs of these benefits are accrued over the period of employment using an accounting methodology that is similar to that for DB plans. </p>\n<div class=\"header header-2\">Vacation entitlements </div>\n<p>A liability is formed for the vacation days which have not been taken at year-end. </p>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n1286465\"><span class=\"title-text\">H. Acquisitions (Business combinations) </span></h1>\n<p>Business acquisitions are accounted for according to the acquisition method, with the cost of the acquisitions being allocated to the fair value of the acquired identifiable assets, liabilities and contingent liabilities. </p>\n<p>The goodwill is determined as the difference between the cost of the acquisition and a.s.r.\u2019s interest in the fair value of the acquired identifiable assets, liabilities and contingent liabilities at the acquisition date. Additionally for insurance contracts acquired that are onerous at the transaction date, the difference between the fair value and the fulfilment cash flows is also part of the goodwill. </p>\n<p>Any change, in the fair value of acquired assets and liabilities at the acquisition date, determined within one year after acquisition, is recognised as an adjustment charged to goodwill in case of a preliminary valuation. Adjustments that occur after a period of one year are recognised in the income statement. Adjustments to the purchase price that are contingent on future events, and to the extent that these are not already included in the purchase price, are included in the purchase price of the acquisition at the time the adjustment is likely and can be measured reliably. </p>\n<p>Where applicable in the notes to the financial statements the acquisitions are recognised in the changes in the composition of the group. </p>\n<h1 class=\"S_PARAGRAPH\" id=\"n1286487\"><span class=\"number\">7.3.5 </span><span class=\"title-text\">Other accounting policies </span></h1>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n1286509\"><span class=\"title-text\">I. Basis for consolidation - subsidiaries </span></h1>\n<p>The consolidated financial statements include the financial statements of a.s.r. and its subsidiaries. Subsidiaries are those entities (which may include deemed separate entities, the so-called silos and investments on behalf of policyholders) over which a.s.r. has control. Control exists when a.s.r. is exposed, or has rights, to variable returns from its involvement with the subsidiary and has the ability to affect those returns through its power over the subsidiary. This is the case if more than half of the voting rights may be exercised or if a.s.r. has control in any other manner. Subsidiaries are fully consolidated from the date on which control is acquired by a.s.r. and are deconsolidated when control ceases to exist. </p>\n<p>A subsidiary\u2019s assets, liabilities and contingent liabilities are measured at fair value on the acquisition date and are subsequently accounted for in accordance with a.s.r.\u2019s accounting policies, which are consistent with IFRS. </p>\n<p>Non-controlling interests are initially stated at their proportionate share in the fair value of the net assets on the acquisition date and are subsequently adjusted for the non-controlling interest in changes in the subsidiary\u2019s equity. </p>\n<p>a.s.r. concluded that the fund assets and liabilities of the IORP entities are a silo outside of the control of a.s.r., therefore these assets and liabilities are not consolidated by a.s.r. Only the remaining assets and liabilities within the IORP entities (outside of the silo) are consolidated into a.s.r.\u2019s financial statements. </p>\n<div class=\"header header-2\">Intragroup transactions </div>\n<p>Intragroup balances and transactions between consolidated group companies are eliminated. Gains and losses on transactions between a.s.r. and associates and joint ventures are eliminated to the extent of a.s.r.\u2019s interest in these entities. </p>\n<div class=\"header header-2\">Structured entities </div>\n<p>Structured entities that are consolidated include certain mortgage backed securitization deals, where a.s.r. was involved in the design of the structured entities and also has the ability to use its power to affect the amount of the investee\u2019s returns. Other factors that contribute to the conclusion that consolidation of these entities is required includes consideration of whether a.s.r. fully services the investees and can therefore influence the defaults of the mortgage portfolios and the fact that in these cases the majority of risks are maintained by a.s.r. Structured entities that are not consolidated include general account investments in non-affiliated structured entities that are used for investment purposes. </p>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n1286531\"><span class=\"title-text\">J. Product classification </span></h1>\n<p>Insurance contracts are defined as contracts under which a.s.r. accepts significant insurance risk from policyholders by agreeing to compensate policyholders if a specified uncertain future event adversely affects the policyholder. These contracts are considered insurance contracts throughout the remaining term to maturity, irrespective of when the insured event occurs. In addition, these contracts can also transfer financial risk. </p>\n<p>a.s.r. offers non-life insurance contracts and life insurance contracts. </p>\n<div class=\"header header-2\">Non-life insurance contracts </div>\n<p>Non-life insurance contracts are contracts that provide cover that is not related to the life or death of insured persons. These insurance contracts are classified into the following categories: Disability, Health, P&amp;C (motor, fire and liability) and Other. </p>\n<div class=\"header header-2\">Life insurance contracts </div>\n<p>Life insurance contracts (in cash) include savings-linked mortgages, annuities, term insurance policies, savings contracts and funeral insurance contracts. In addition to non-participating life insurance contracts, the insurance portfolio also includes: </p><ul><li>\n<p>Individual and group participating contracts; </p></li><li>\n<p>Individual contracts with discretionary participation features; </p></li><li>\n<p>Group contracts with segregated pools with returns based on investment guarantees. </p></li></ul>\n<div class=\"header header-2\">Direct participating insurance contracts </div>\n<p>Claims from these life insurance contracts are directly linked to the underlying investments. The investment risk and return are borne fully for policyholders. Life insurance contracts for the account and risk of policyholders generally consist of contracts where premiums, after deduction of costs and risk premium, are invested in unit-linked funds. For some individual contracts, a.s.r. guarantees returns on unit-linked investment funds. In addition, group contracts with segregated pools are classified as direct participating insurance contracts. </p>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n1286553\"><span class=\"title-text\">K. Segment information </span></h1>\n<p>At organisational level, a.s.r.\u2019s operations have been divided into six (2022: five) operating segments. The main segments are the Non-life and Life segment that include all insurance activities. The non-insurance activities are presented as four separate segments being the Asset Management, Bank, Distribution and Services and Holding and Other segment. There is a clear difference between the risk and return profiles of these six segments. </p>\n<p>Intersegment transactions or transfers are conducted at arm\u2019s length conditions. </p>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n1286575\"><span class=\"title-text\">L. Transaction date and settlement date </span></h1>\n<p>All purchases and sales of financial instruments, which have to be settled in accordance with standard market conventions, are recognised at the transaction date, which is the date on which a.s.r. becomes party to the contractual stipulations of the instrument. Any purchases and sales other than those requiring delivery within the time frame established by regulations or market conventions are accounted for as forward transactions until the time of settlement. For details on these transactions, see accounting policy <a href=\"#n1286373\" title=\"E. Financial assets and financial liabilities\">E</a>. </p>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n1286598\"><span class=\"title-text\">M. Securities lending </span></h1>\n<p>a.s.r. participates in securities lending transactions, whereby collateral is received in the form of securities or cash. Cash received as collateral is recognised in the balance sheet and a corresponding liability is recognised as liabilities arising from securities lending in \u2018Due to banks\u2019. Securities lent remain on the balance sheet. Securities received as collateral are not recognised in the balance sheet. </p>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n1286620\"><span class=\"title-text\">N. Statement of cash flows </span></h1>\n<p>The statement of cash flows classifies cash flows by operating activities, investing activities and financing activities. Cash flows denominated in foreign currencies are converted at the exchange rates applicable on the transaction date. </p>\n<p>Cash flows from operating activities are reported using the indirect method. Cash flows from operating activities include result before tax, adjustments for gains and losses that did not result in income and payments in the same financial year, adjustments for movements in provisions, and accrued and deferred items. </p>\n<p>The statement of cash flows recognises interest received and paid, and dividends received within cash flows from operating activities. Cash flows from purchasing and selling investments and investment property are included in cash flows from operating activities on a net basis. Dividends paid are recognised within cash flows from financing activities. </p>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n1286642\"><span class=\"title-text\">O. Property, plant and equipment </span></h1>\n<div class=\"header header-2\">Property held for own use and plant </div>\n<p>Property held for own use and plants comprise of land and office buildings and plants like wind farms and are measured at fair value (revaluation model) based on annual valuations, conducted by external, independent valuators with adequate professional expertise and experience in the specific location and categories of properties or plant. </p>\n<p>They are subsequently measured at fair value, including any unrealised fair value changes in equity, taking into account any deferred tax liabilities. For the method of determining the fair value reference is made to accounting policy <a href=\"#n1286307\" title=\"B. Fair value of assets and liabilities\">B</a> for investment property and plant. </p>\n<p>Increase in the fair value exceeding the cost price is added to the revaluation reserve in shareholders\u2019 equity, less deferred taxes. Decreases in the fair value that offset previous increases of the same asset, are charged against the revaluation reserve. The revaluation reserve cannot be negative. All other decreases in fair value are accounted for in the income statement. Increases that reverse a revaluation decrease on the same asset previously recognised in net result are recognised in the income statement. </p>\n<p>Buildings and wind farms are depreciated using the straight-line method based on expected useful life, taking into account their fair value amount, the residual value from the time when it is in the location and condition necessary for it to be capable of operating in the manner intended by management. The useful life of buildings is assessed annually for every individual component (component approach). </p>\n<h3 class=\"table-title\">Property and plant classified into components and their maximum life </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:0%;\"/><col style=\"width:14%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;\"><b>Components </b></th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Useful life (expressed in years) </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Land </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">n.a. </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Shell </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">50 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Outer layer </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">15-30 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Wind turbines </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">25 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Solar panels </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">25 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Systems </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">15-20 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Fittings and fixtures </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">15 </td></tr></tbody></table> <br/>\n<p>Repair and maintenance costs are charged to the income statement in the period in which they are incurred. Expenses incurred after the acquisition of an asset are capitalised if it is probable that the future economic benefits will flow to a.s.r. and the cost of the asset can be measured reliably. </p>\n<p>Upon the sale of a property or plant, the part of the revaluation reserve related to the sold property or plant, within equity, is transferred to \u2018other reserves\u2019 and is not reclassified to the income statement. Therefore annually a transfer is also made from the revaluation reserve related to \u2018other reserves\u2019 in line with the depreciation recognised in the income statement for the revalued portion. </p>\n<div class=\"header header-2\">Equipment </div>\n<p>Equipment is recognised at cost, less accumulated depreciation and / or any accumulated impairment losses. Cost corresponds with the cash paid or the fair value of the consideration given to acquire the asset. </p>\n<p>Equipment is depreciated over its useful life, which is determined individually (usually between three and five years). Repair and maintenance costs are charged to the income statement in the period in which they are incurred. Expenses incurred after the acquisition of an asset are capitalised if it is probable that the future economic benefits will flow to a.s.r. and the cost of the asset can be measured reliably. </p>\n<p>Accounting for borrowing costs attributable to the construction of property, plant and equipment is the same as accounting for borrowing costs attributable to investment property. For details, see accounting policy <a href=\"#n1286351\" title=\"D. Investment property\">D</a>. </p>\n<div class=\"header header-2\">Right-of-use assets </div>\n<p>Right-of-use assets are recognised for lease contracts for which a.s.r. is the lessee. For more information reference is made to accounting policy <a href=\"#n1286782\" title=\"U. Leasing\">U</a>. </p>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n1286667\"><span class=\"title-text\">P. Associates and joint ventures </span></h1>\n<div class=\"header header-2\">Associates </div>\n<p>Associates are entities over which a.s.r. has significant influence on operating and financial contracts, without having control. Generally, associates are accounted for using the equity method from the date at which a.s.r. acquires significant influence until the date at which such influence ceases. This means that associates are initially recognised at cost, including any goodwill paid. This value is subsequently adjusted to take account of a.s.r.\u2019s share of the associate\u2019s comprehensive income. Comprehensive income is adjusted in accordance with the accounting principles used by a.s.r. </p>\n<p>Losses are accounted for until the carrying amount of the investment has reached zero. Further provisions are recognised only to the extent that a.s.r. has incurred legal or constructive obligations concerning these associates. </p>\n<p>If objective evidence of impairment exists, associates are tested for impairment and, if necessary, written down. </p>\n<p>When the application of the equity method produces information that is not relevant to the investors, a.s.r. may use the exemption of IAS 28 to measure the investments in those associates at fair value through profit or loss in accordance with IFRS 9. a.s.r. applies fair value measurement for investments in real estate equity funds and mortgage equity funds, over which a.s.r. has significant influence. </p>\n<div class=\"header header-2\">Joint ventures </div>\n<p>Joint ventures are contractual arrangements whereby a.s.r. and one or more parties undertake an economic activity that is subject to joint control. Joint control exists only when the strategic financial and operating decisions relating to the activity require the unanimous consent of the parties sharing control. </p>\n<p>These interests are accounted for using the equity method as applied to associates. The interests are recognised in the financial statements from the date on which a.s.r. first obtains joint control until the date that this joint control ceases. </p>\n<p>If objective evidence of impairment exists, joint ventures are tested for impairment and, if necessary an impairment is recognised in the income statement. </p>\n<div class=\"header header-2\">Joint operations </div>\n<p>a.s.r. has a limited number of non-material joint operations. These are recognised in relation to a.s.r.\u2019s interest in the joint operation\u2019s individual balance sheet and income statement items. </p>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n1286689\"><span class=\"title-text\">Q. Other assets </span></h1>\n<p>Other assets include accrued investment income, property developments, tax assets and accrued assets. </p>\n<p>Property developments consist of property under development commissioned by third parties. Development property is measured at cost including any incremental costs (if a.s.r. expects to recover those costs), directly related costs to the contract (i.e. labour, materials, allocation of directly related costs, payments to subcontractors) and construction period interest, less any invoiced instalments and impairments. </p>\n<p>Revenue on property development is primarily accounted for at the moment the property is sold. This is a performance obligation satisfied at a point in time. The point in time is the moment a customer obtains control of the promised asset. </p>\n<p>Property developments which are sold can have guarantees (such as rent guarantees or construction guarantees), which may give rise to a separate performance obligation. </p>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n1286711\"><span class=\"title-text\">R. Cash and cash equivalents </span></h1>\n<p>Cash and cash equivalents include cash in hand, deposits held at call with banks, cash collateral and other short-term highly liquid investments that are not subject to a significant risk of changes in value. Cash and cash equivalents are measured at fair value through profit or loss. </p>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n1286733\"><span class=\"title-text\">S. Equity </span></h1>\n<div class=\"header header-2\">Share capital and share premium reserve </div>\n<p>The share capital disclosed in the balance sheet consists of issued and fully paid-up ordinary shares. The share premium reserve comprises additional paid-in capital in excess of the par value of the shares. </p>\n<div class=\"header header-2\">Reserve for unrealised gains and losses </div>\n<p>This reserve consists of: </p><ul><li>\n<p>Unrealised gains and losses from assets FVOCI net of tax (see accounting policy <a href=\"#n1286373\" title=\"E. Financial assets and financial liabilities\">E</a>); </p></li><li>\n<p>The share of unrealised gains and losses of associates and joint ventures using the equity method held by a.s.r. (see accounting policy <a href=\"#n1286667\" title=\"P. Associates and joint ventures\">P</a>); </p></li><li>\n<p>Unrealised change in value of property for own use (see accounting policy <a href=\"#n1286642\" title=\"O. Property, plant and equipment\">O</a>); </p></li></ul>\n<div class=\"header header-2\">Actuarial gains and losses </div>\n<p>Actuarial gains and losses result from the post-employment benefit pension plans (see accounting policy <a href=\"#n1286442\" title=\"G. Employee benefits\">G</a>). </p>\n<div class=\"header header-2\">Retained earnings </div>\n<p>Retained earnings also include other reserves. </p>\n<div class=\"header header-2\">Other equity instruments </div>\n<p>This item represents the par value of the other equity instruments. Costs directly attributable to the equity issue and the tax impact thereof are recognised in retained earnings. </p>\n<div class=\"header header-2\">Treasury shares </div>\n<p>Treasury shares are a.s.r.\u2019s own ordinary shares that have been issued and subsequently reacquired by a.s.r. Treasury shares are deducted from equity, regardless of the objective of the transaction. No gain or loss is recognised in the income statement on the purchase, sale, issue or cancellation of the instruments. If sold, the difference between the carrying amount and the proceeds is reflected in retained earnings. The consideration paid or received is recognised directly in shareholders\u2019 equity. All treasury shares are eliminated in the calculation of earnings per share and dividend per ordinary share. </p>\n<p>Treasury shares are either required as part of the share buy-back programme, or acquired and resold as part of the employee share purchase plan, see <a href=\"#n1285399\" title=\"Employee Share Purchase Plan\">chapter 7.7.5</a>. </p>\n<div class=\"header header-2\">Non-controlling interest </div>\n<p>The non-controlling interest relates to the equity in a consolidated subsidiary not attributable, directly or indirectly, to a.s.r. (see accounting policy I). </p>\n<div class=\"header header-2\">Dividends on ordinary share capital </div>\n<p>Dividends on ordinary shares are recognised as a liability and recognised in equity when they are approved by a.s.r.\u2019s shareholders. Interim dividends are recognised in equity when they are paid. </p>\n<p>Dividends for the year that are approved after the reporting date are treated as an event after the reporting date. </p>\n<div class=\"header header-2\">Discretionary interest on other equity instruments </div>\n<p>Discretionary interest on other equity instruments is recognised in equity upon payment. The related income tax on these equity instruments is recognised in the income statement. </p>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n1286760\"><span class=\"title-text\">T. Financing </span></h1>\n<p>Financing includes savings deposits, borrowings, due to customers, due to banks, subordinated liabilities and other financial liabilities. On initial recognition, debt instruments and other loans are stated at fair value, net of transaction costs incurred. Subsequent valuation is at amortised cost. Any difference between the proceeds and the redemption value is recognised in the income statement over the period of the borrowings using the effective interest method. Lease liabilities are included under borrowings and measured in accordance with accounting policy U. </p>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n1286782\"><span class=\"title-text\">U. Leasing </span></h1>\n<p>A contract is, or contains, a lease if the contract conveys the right to control the use of an identified asset for a period of time in exchange for a consideration. For contracts that contain a lease component and one or more additional lease or non-lease components a.s.r. applies the practical expedient not to separate non-lease components from lease components. </p>\n<p>At the commencement date of the lease, a.s.r. recognises a right-of-use asset and a lease liability. The right-of-use asset comprises the amount of the lease liability at initial measurement. The lease liability is measured at the present value of the lease payments that are not paid at the commencement date. For vehicles, the lease payments are discounted using the interest rate implicit in the lease. For other leases a.s.r.\u2019s incremental borrowing rate is used. </p>\n<p>Subsequently, the right-of-use asset is valued at cost less any cumulated depreciation and any accumulated impairment losses and adjusted for any remeasurement of the lease liability. The lease liability is increased with interest accrued and reduced for lease payments made. When applicable the lease liability is remeasured for changes in future payments resulting from a change in index or lease term. </p>\n<p>The right-of-use assets are presented under property, plant and equipment. The lease liabilities are presented under borrowings. </p>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n1286804\"><span class=\"title-text\">V1. Insurance contract revenue </span></h1>\n<p>Insurance contract revenue excludes any investment components and is measured as follows. </p>\n<div class=\"header header-2\">Insurance contract revenue \u2013 contracts measured under the GMM or VFA </div>\n<p>a.s.r. recognises insurance contract revenue as it satisfies its performance obligations \u2013 i.e. as it provides coverage or other services required due to groups of insurance contracts. For contracts measured under the GMM or VFA, the insurance contract revenue relating to services provided for each period represents the total of the changes in the liability for remaining coverage that relate to services for which a.s.r. expects to receive consideration. </p>\n<p>Insurance contract revenue consists of the sum of the changes in the liability for remaining coverage due to: </p><ul><li>\n<p>The insurance service expenses incurred in the period measured at the amounts expected at the beginning of the period, excluding: <br/>\u2013 Amounts allocated to the loss component; <br/>\u2013 Repayments of investment components; <br/>\u2013 Amounts that relate to transaction-based taxes collected on behalf of third parties; <br/>\u2013 Insurance acquisition expenses; and <br/>\u2013 Amounts relating to risk adjustment for non-financial risk. </p></li><li>\n<p>The change in the risk adjustment for non-financial risk, excluding: <br/>\u2013 Changes that relate to future service that adjust the CSM; and <br/>\u2013 Amounts allocated to the loss component. </p></li><li>\n<p>The amount of CSM for the services provided in the period; </p></li><li>\n<p>In addition, a.s.r. allocates a portion of premiums that relate to recovering insurance acquisition cash flows to each period in a systematic way based on the passage of time. a.s.r. recognises the allocated amount as insurance contracts revenue and an equal amount as insurance service expenses. </p></li></ul>\n<p>The amount of the CSM of a group of insurance contracts that is recognised as insurance contract revenue in each reporting period is generally determined by considering the quantity of benefits provided from the services per insurance contract and allocating the CSM per insurance contract remaining at the end of the reporting period (before any allocation) equally to the services provided in the reporting period and expected to be provided in future periods. </p>\n<p>Per group of contracts, in accordance with the level of aggregation criteria, the CSM is subsequently released, considering each individual contract, to the current coverage period and to future coverage periods in which the insurance contract service is expected to be provided (considering expected contract terms and survivor, lapse and death assumptions). </p>\n<div class=\"header header-2\">Insurance contract revenue \u2013 contracts measured under the PAA </div>\n<p>For contracts measured under the PAA, the insurance contract revenue for each period is the amount of expected premium receipts for providing coverage in the period. a.s.r. allocates the expected premium receipts to each period on the basis of the passage of time. </p>\n<div class=\"header header-2\">Allocation of reinsurance premiums paid </div>\n<p>a.s.r. allocates reinsurers premiums paid as it receives coverage or other services under groups of reinsurance contracts. For contracts measured under the GMM the allocation of reinsurance premiums paid relating to services received for each reporting period represents the total of the changes in the remaining coverage component that relate to services for which a.s.r. expects to pay consideration. </p>\n<p>For contracts measured under the PAA, the allocation of reinsurance premiums paid for each period is the amount of expected premium payments for receiving coverage in the period. </p>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n1286826\"><span class=\"title-text\">V2. Insurance service expenses </span></h1>\n<p>Insurance service expenses arising from insurance contracts are recognised in the income statement generally as they are incurred. They comprise the following items: </p><ul><li>\n<p>Claims and benefits <br/>- Incurred claims and benefits; <br/>- Losses and reversal of losses on onerous contracts; <br/>- Adjustment of the liabilities for incurred claims and benefits that do not arise from the effects of the time value of money, financial risk and changes therein; </p></li><li>\n<p>Insurance service operating expenses <br/>- Attributable insurance service operating expenses; <br/>- Acquisition costs when incurred for insurance contracts measured under the PAA; and <br/>- Amortisation of insurance acquisition cash flows for contracts not measured under the PAA. </p></li></ul>\n<div class=\"header header-3\">Loss components </div>\n<p>a.s.r. establishes a loss component of the liability for remaining coverage for onerous groups of insurance contracts. The loss component determines the amounts of fulfilment cash flows that are subsequently presented in the income statement as reversals of losses on onerous contracts and are excluded from insurance contract revenue when they occur. When the fulfilment cash flows occur, they are allocated between the loss component and the liability for remaining coverage excluding the loss component on a systematic basis. </p>\n<p>The systematic basis is determined by the proportion of the loss component relative to the total estimate of the present value of the future cash outflows plus the risk adjustment for non-financial risk at the beginning of each period (or on initial recognition if a group of contracts is initially recognised in the period). </p>\n<p>Decreases in fulfilment cash flows relating to future services or increases in a.s.r.\u2019s share of the fair value of any underlying items are allocated solely to the loss component. If the loss component is reduced to zero, then any excess over the amount allocated to the loss component creates a new CSM for the group of contracts. </p>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n1286848\"><span class=\"title-text\">V3. Investment income </span></h1>\n<p>Investment income comprises the direct investment income such as interest income on financial assets, dividends received, rental income from investment property and other direct investment income. Fair value gains and losses includes the net gains on financial assets at FVTPL, net gains on derecognition of financial assets and liabilities at amortised cost and debt instruments at FVOCI, net gains on derecognition of associates at equity method and fair value gains on investment property. </p>\n<div class=\"header header-2\">Interest income </div>\n<p>Interest income for all interest-bearing instruments includes coupons earned on fixed income instruments and is recognised on an accrual basis. Transaction costs attributable to the acquisition of debt securities at fair value through profit or loss are immediately recognised in the income statement. </p>\n<p>When unpaid interest has accrued before the acquisition of an interest-bearing investment, the subsequent receipt of interest is allocated between pre-acquisition and post-acquisition periods; only the post-acquisition portion is recognised as revenue. The pre-acquisition interest is part of the consideration paid. </p>\n<div class=\"header header-3\">Interest rate swaps </div>\n<p>When the two legs of an interest rate swap are settled gross, interest paid and interest received on these swap are not offset. Gross settlement means that both legs of the swap are settled separately: one party receives interest and the other party pays interest. The net amount depends on the market interest rate. Interest received is accounted for as direct investment income, interest paid is accounted for as other finance expense. </p>\n<div class=\"header header-2\">Impairments </div>\n<p>When a receivable is impaired, a lifetime expected credit loss (ECL) is recognised and interest income is calculated on the net carrying amount (that is the gross carrying amount less credit allowance). </p>\n<div class=\"header header-2\">Dividends </div>\n<p>Dividend income is recognised in the income statement when a right to receive payment is established. </p>\n<div class=\"header header-2\">Rental income </div>\n<p>Rental income from investment property is allocated to the period to which they relate. </p>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n1286870\"><span class=\"title-text\">V4. Insurance finance income and expenses </span></h1>\n<p>Insurance finance income and expenses comprise changes in the carrying amounts of groups of insurance and reinsurance contracts, measured through GMM and PAA, arising from the effects of the time value of money, financial risk and changes therein. For direct participating insurance contracts (VFA) the change in the fair value of the underlying items is included in the insurance finance income and expenses. </p>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n1286892\"><span class=\"title-text\">W. Solvency II </span></h1>\n<p>In accordance with the Solvency II regulations (2009/138/EG art. 75 - 86), Solvency II figures are based on fair value. </p>\n<p>Fair value measurement is based on the same fair value hierarchy described in the IFRS accounting policies (see accounting policy <a href=\"#n1286307\" title=\"B. Fair value of assets and liabilities\">B</a>). </p>\n<p>Most important adjustments in the balance sheet, compared to IFRS, are the valuation of the (savings-linked) mortgage loans-portfolio and the liabilities arising from insurance contracts (including the risk margin). Basis of Solvency II Eligible own funds (EOF) is the excess of assets over liabilities, adjusted with some specific EOF-items (subordinated liabilities which classify as EOF under Solvency II and foreseeable dividend). The Solvency Capital Requirement (SCR) of Aegon Levensverzekering N.V. (Aegon life) is based on the partial internal model, while the SCR of the other a.s.r. entities are based on the standard model, including the calculation of the Loss Absorbing Capacity of Deferred Tax (LAC DT). The LAC DT methodology is reviewed and properly documented. Usage of the models is agreed upon with DNB. </p>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfMaterialAccountingPolicyInformationExplanatory",
    "language": "en",
    "entity": "scheme:7245000G0HS48PZWUD53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "ixv-535": {
   "value": "\n<h1 class=\"S_PARAGRAPH\" id=\"n1286092\"><span class=\"number\">7.3.1 </span><span class=\"title-text\">Changes in EU endorsed published IFRS Standards and Interpretations effective in 2023 </span></h1>\n<p>a.s.r. has adopted the following new standards, including any consequential amendments to other standards, with a date of initial application of 1 January 2023: </p><ul><li>\n<p>IFRS 17 Insurance contracts; </p></li><li>\n<p>IFRS 9 Financial instruments. </p></li></ul>\n<p>The impact of these changes on a.s.r.\u2019s profit before tax and shareholders returns is summarised below. In line with IFRS accounting requirements the comparative figures relating to IFRS 17 have been restated. In addition, a.s.r. has chosen to restate the comparative figures relating to IFRS 9 in line with the overlay approach as permitted under IFRS 17, ensuring better comparability between 2022 and 2023. Due to further analysis of the impact of IFRS 17 and IFRS 9 and harmonisation resulting from the Aegon NL acquisition, the comparative figures related to these standards show some adjustments in comparison to earlier presented comparative figures. </p>\n<p>With the exception of IFRS 17 and IFRS 9, there were no changes in EU endorsed published IFRS Standards and Interpretations that were relevant to a.s.r. </p>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n1286183\"><span class=\"number\">7.3.1.1 </span><span class=\"title-text\">IFRS 17 Insurance contracts </span></h1>\n<div class=\"header header-2\">Recognition, measurement and presentation of insurance contracts </div>\n<p>IFRS 17 establishes principles for the recognition, classification, measurement, presentation and disclosure of insurance contracts, reinsurance contracts and investment contracts with discretionary participating features. The standard introduces three models for the measurement of the insurance contracts. The general measurement model (GMM), the variable fee approach (VFA) for contracts with a direct participating feature and the premium allocation approach (PAA) which is a simplified version of the GMM and is used mainly for short-duration contracts. </p>\n<p>The GMM and VFA measure insurance liabilities as the total of the present value of future cash flows (inflows as well as outflows), the risk adjustment (RA) and a contractual service margin (CSM). The CSM represents the unearned profits of insurance contracts and is released to the income statement over the expected insurance coverage period and recognised as revenue in each reporting period. The insurance contract revenue depicts the insurance contract services provided arising from the group of insurance contracts at an amount that reflects the consideration to which a.s.r. is entitled to in exchange for those services. Revenue includes the release of the CSM and RA in profit or loss over the coverage period. Insurance service result, comprising of insurance contract revenue and insurance service expenses, is a new income statement line item which is effectively a net result on non-financial risks of all insurance contracts. </p>\n<p>Shadow accounting and recognising a provision for realised gains and losses has been discontinued under IFRS 17. </p>\n<p>Insurance finance income and expenses are presented separately from insurance contract revenue and insurance service expenses. </p>\n<p>The VFA is required for insurance contracts that meet specific requirements whereby a link between payments to the policyholder and the returns on underlying items, such as some \u2018participating\u2019, \u2018with profits\u2019 and \u2018unit linked\u2019 contracts, is key. The interest on the CSM for such contracts is accreted implicitly through adjusting the CSM for the change in the variable fee. The variable fee represents a.s.r.\u2019s share of the fair value of the underlying items less amounts that do not vary based on the return of the underlying items. The CSM is also adjusted for the time value of money and the effect of changes in financial risks not arising from underlying items such as options and guarantees. </p>\n<p>a.s.r. applies the PAA to simplify the measurement of contracts in the Non-life segment, except for certain groups of Non-life contracts which do not qualify for the PAA. a.s.r. uses the PAA as the default measurement model for reinsurance contracts with a coverage period of one year or less, but the business line has the option to choose the GMM. </p>\n<p>When measuring liabilities for remaining coverage, the PAA is similar to a.s.r.\u2019s previous accounting treatment. When measuring liabilities for incurred claims, a.s.r. discounts cash flows that are expected to occur more than one year after the date on which the claims are incurred and includes an explicit risk adjustment for non-financial risk. </p>\n<p>Previously, all acquisition costs were recognised directly in profit or loss. Under IFRS 17, insurance acquisition cash flows that arise before the recognition of the related insurance contracts are recognised as separate assets and are tested for recoverability when triggers are identified. These assets are presented in the carrying amount of the insurance contract liabilities and are included in the insurance contract cash flows once the related contracts have been recognised. Under the GMM and VFA, insurance acquisition cash flows are included in the estimates of the present value of future cash flows of insurance contracts and released to profit or loss in a systematic way based on the passage of time. For contracts under the PAA model a.s.r. made the election to recognise insurance acquisition cash flows directly in the income statement. </p>\n<p>Income and expenses from reinsurance contracts held, other than insurance finance income and expenses, are included within the insurance service result in the income statement, but separate from the insurance contracts. </p>\n<p>For more information reference is made to accounting policy <a href=\"#n1286397\" title=\"F1. Insurance contracts\">F</a>. </p>\n<p>Under the former a.s.r. accounting policies (IFRS 4) the main principles applied were: </p><ul><li>\n<p>Future obligations in respect of policy benefits for life insurance contracts were calculated based on a net premium method (the present value of future obligations less the present value of future net premiums) using the same principles as for calculating the premium at inception of the insurance contract \u2018tarief grondslagen\u2019. </p></li><li>\n<p>For Non-life a provision for claims, a provision for current risks, and a provision for unearned premiums was recognised. The provision for claims was based on estimates of claims payable. Claims payable related to unpaid claims and claims handling costs, as well as claims incurred but not reported. </p></li><li>\n<p>Shadow accounting was applied allowing recognised unrealised gains or losses on assets (either through other comprehensive income or profit or loss) to be transferred to the insurance liabilities. </p></li><li>\n<p>A provision for realised gains and losses as part of the insurance liability was recognised. </p></li><li>\n<p>The liability adequacy test (LAT) was performed each reporting date to assess the adequacy of insurance liabilities. For this test, the insurance liabilities were calculated in accordance with Solvency II, using the Ultimate Forward Rate prevailing at the reporting date. </p></li><li>\n<p>All acquisition costs were recognised in the income statement when incurred. </p></li><li>\n<p>Revenue for insurance contracts was recognised when premiums were earned or received. </p></li><li>\n<p>The reinsurance expenses were presented under net insurance premiums and amounts recovered from reinsurers were presented under net insurance claims and benefits. </p></li><li>\n<p>Value of Business acquired (VOBA) represented the difference between the fair value and the carrying amount of insurance portfolios that had been acquired. </p></li><li>\n<p>Receivables and payables in relation to insurance contracts were presented under loans and receivables and due to customers. </p></li></ul>\n<div class=\"header header-2\">Transition </div>\n<p>Changes in accounting policies resulting from the adoption of IFRS 17 have been applied retrospectively to the extent practicable. At 1 January 2022, a.s.r.: </p><ul><li>\n<p>Identified, recognised and measured each group of contracts using the full retrospective approach (as if IFRS 17 had always been applied), the modified retrospective approach or the fair value approach. </p></li><li>\n<p>Identified, recognised and measured any assets for prepaid insurance acquisition cash flows as if IFRS 17 had always been applied. </p></li><li>\n<p>Derecognised previously reported balances that would not have existed if IFRS 17 had always been applied. These included the intangible assets \u2018value of business acquired\u2019, insurance receivables and insurance payables. Under IFRS 17, these are included in the measurement of the insurance contracts liabilities and assets. </p></li><li>\n<p>Recognised any resulting net difference in equity. The carrying amount of goodwill from previous business combinations was not adjusted. </p></li></ul>\n<p>Notwithstanding the above, for certain groups of contracts IFRS 17 has not been applied retrospectively, because data was not available. In these cases, a.s.r. applied the modified retrospective approach or the fair value approach as allowed by IFRS 17 at 1 January 2022. To indicate the effect of these groups of contracts on the CSM and insurance contract revenue, a.s.r. has provided additional disclosures. See <a href=\"#n1288783\" title=\"Insurance contract liabilities and reinsurance contract assets\">chapter 7.5.13</a> and <a href=\"#n1288943\" title=\"Liabilities arising from direct participating insurance contracts\">chapter 7.5.14</a>. </p>\n<p>a.s.r. has applied the transition provisions in IFRS 17 and has disclosed the effect on the consolidated financial statements at 1 January 2022 in chapter 3.4 of the consolidated interim statement of changes in equity, and in chapter 4.2.3 financial impact of changes in accounting policies and changes in presentation. The application of the transition measurement methods are presented below: </p>\n<h3 class=\"table-title\">Transition measurement methods for contracts measured under the GMM or PAA </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:11%;\"/><col style=\"width:19%;\"/><col style=\"width:29%;\"/><col style=\"width:41%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:middle;\"><b>Segment </b></th><th class=\"startCol-2 endCol-2 valign-middle border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:middle;\"><b>Product </b></th><th class=\"startCol-3 endCol-3 valign-middle border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:middle;\"><b>Reporting year date </b></th><th class=\"startCol-4 endCol-4 valign-middle border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:middle;\"><b>Transition measurement method </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Non-life </td><td class=\"startCol-2 endCol-2 valign-bottom border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">P&amp;C </td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-bottom border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Full retrospective approach </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-bottom border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Disability </td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-bottom border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Modified retrospective approach or Fair value approach </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-bottom border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Health </td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-bottom border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Full retrospective approach </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Life </td><td class=\"startCol-2 endCol-2 valign-bottom border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Life individual </td><td class=\"startCol-3 endCol-3 valign-bottom border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Contracts after 1-1-2016 </td><td class=\"startCol-4 endCol-4 valign-bottom border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Full retrospective approach </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-bottom border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Contracts before 1-1-2016 </td><td class=\"startCol-4 endCol-4 valign-bottom border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Fair value approach </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-bottom border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Pension </td><td class=\"startCol-3 endCol-3 valign-bottom border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Acquisitions after 1-1-2018 </td><td class=\"startCol-4 endCol-4 valign-bottom border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Full retrospective approach </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-bottom border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Other contracts </td><td class=\"startCol-4 endCol-4 valign-bottom border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Fair value approach </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-bottom border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Funeral </td><td class=\"startCol-3 endCol-3 valign-bottom border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Contracts after 1-1-2002 </td><td class=\"startCol-4 endCol-4 valign-bottom border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Full retrospective approach </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-bottom border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Contracts before 1-1-2002 </td><td class=\"startCol-4 endCol-4 valign-bottom border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Fair value approach </td></tr></tbody></table> <br/>\n<div class=\"header header-4\">Modified retrospective approach </div>\n<p>The objective of the modified retrospective approach is to achieve the closest outcome possible to the full retrospective approach using reasonable and supportable information available without undue cost or effort. a.s.r. applies each of the following modifications only to the extent that it did not have reasonable and supportable information to apply IFRS 17 retrospectively. </p>\n<p>Modifications on transition for insurance contracts measured under the GMM: </p><ul><li>\n<p>Some groups of insurance contracts issued before 1 January 2022 contain contracts issued more than one year apart. For these groups, the discount rate at 1 January 2022 was used for subsequent measurement instead of the discount rate on initial recognition. These contracts represent 5.5% of the total insurance contracts liabilities at 1 January 2022. </p></li></ul>\n<p>When the modification above was used to determine the CSM (or the loss component) on initial recognition: </p><ul><li>\n<p>The amount of the CSM recognised in the income statement before 1 January 2022 was determined by comparing the CSM on initial recognition and the remaining CSM at 1 January 2022; and </p></li><li>\n<p>The amount allocated to the loss component before 1 January 2022 was determined using the proportion of the loss component relative to the total estimate of the present value of the future cash outflows plus the risk adjustment for non-financial risk on initial recognition. </p></li></ul>\n<div class=\"header header-4\">Fair value approach </div>\n<p>For certain groups of contracts, the fair value approach was used for identifying and measuring groups of contracts at 1 January 2022. Under the fair value approach, a.s.r. determines the CSM (or loss component) as at 1 January 2022 for a group of insurance contracts based on the difference between the fair value of the group and the fulfilment cash flows. When the fair value approach is used a.s.r. does not apply annual cohorts. For these groups the discount rate at 1 January 2022 is used. When insurance contracts have been acquired that contain only a liability for incurred claims a.s.r. has applied the policy choice to continue this accounting at transition date. These contracts represent 63.9% of the total insurance contracts liabilities at 1 January 2022. </p>\n<div class=\"header header-3\">Non-life insurance contracts </div>\n<p>P&amp;C and Health applied the full retrospective approach. Individual disability and absenteeism insurance applied the fair value approach. Group disability applied the modified retrospective approach. </p>\n<div class=\"header header-3\">Life insurance contracts </div>\n<p>On transition to IFRS 17, a.s.r. applied the full retrospective approach for all Life individual contracts issued or acquired on or after 1 January 2016, for all Pension portfolios acquired after 1 January 2018 and for all funeral contracts issued or acquired on or after 1 January 2002. For all other contracts a.s.r. applies the fair value approach in identifying and measuring groups of contracts. </p>\n<div class=\"header header-3\">Direct participating insurance contracts </div>\n<p>a.s.r. applied the fair value approach for all groups of contracts issued or acquired before 1 January 2022. </p>\n<p>If the calculation resulted in a CSM, then a.s.r. measured the CSM at 1 January 2022. If the calculation resulted in a loss component, then a.s.r. adjusted the loss component to zero, and increased the liability for remaining coverage. In effect the adjustment to zero is incorporated in equity of the opening balance at transition date. </p>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n1286114\"><span class=\"number\">7.3.1.2 </span><span class=\"title-text\">IFRS 9 Financial instruments </span></h1>\n<div class=\"header header-2\">See accounting policy E. </div>\n<div class=\"header header-2\">Classification of financial assets and financial liabilities </div>\n<p>IFRS 9 includes three principal classification categories for financial assets: measured at amortised cost, fair value through other comprehensive income (FVOCI) and fair value through profit or loss (FVTPL). The classification and measurement of financial assets under IFRS 9 is based on a.s.r.\u2019s business models, in which a financial asset is managed, and its contractual cash flow characteristics. In many instances, the classification and measurement under IFRS 9 will be similar to IAS 39, although certain differences will arise. The classification of financial liabilities remains unchanged. Derivatives embedded in contracts for which the host is a financial asset in scope of IFRS 9 are not separated. Instead the hybrid financial instrument as a whole is assessed for classification which is in line with a.s.r.\u2019s previous classification under IAS 39. </p>\n<div class=\"header header-2\">Impairment of financial assets </div>\n<p>The recognition and measurement of impairments under IFRS 9 is intended to be more forward looking than under IAS 39. The new impairment requirement will apply to all financial assets that are debt instruments and are measured at amortised cost or at fair value through other comprehensive income. Initially, a provision is required for expected credit losses (ECL) resulting from default events that are expected within the next twelve months. In the event of a significant increase in credit risk, a provision is required for ECL resulting from all possible default events over the expected life of the financial asset. For trade receivables that do not contain a significant financing component, the loss allowance should be measured at initial recognition and throughout the life of the receivable at an amount equal to lifetime ECL (simplified approach). Under IFRS 9, credit losses are recognised earlier than under IAS 39. For a.s.r. only other financial assets were in scope of the impairment requirement at transition date, for which a.s.r. applies the simplified approach. </p>\n<div class=\"header header-2\">Hedge accounting </div>\n<p>The hedge accounting requirements of IFRS 9 introduce a new general hedge accounting model. At first application of IFRS 9 a.s.r. decided not to apply hedge accounting in relation to its insurance business. </p>\n<div class=\"header header-2\">Transition </div>\n<p>Changes in accounting policies resulting from the adoption of IFRS 9 have been applied retrospectively, except the following assessments have been made based on the facts and circumstances that existed at 1 January 2023: </p><ul><li>\n<p>The determination of the business models within which certain financial assets are held. </p></li><li>\n<p>The designation and revocation of previous designations of certain financial assets as measured at FVTPL. </p></li><li>\n<p>In line with Solvency II reporting a.s.r. accounts for debt instruments at their \u201cdirty\u201d fair value, thus including any related accrued interest. </p></li></ul>\n<p>Details of the changes and implications resulting from the adoption of IFRS 9 are presented in <a href=\"#n1286138\" title=\"Financial impact of changes in accounting policies and changes in presentation\">chapter 7.3.1.3</a> and <a href=\"#n1286160\" title=\"Transition to IFRS 9\">chapter 7.3.1.4</a> below. </p>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n1286138\"><span class=\"number\">7.3.1.3 </span><span class=\"title-text\">Financial impact of changes in accounting policies and changes in presentation </span></h1>\n<p>Below, the reconciliation of the 2022 opening and closing consolidated balance sheet is disclosed to account for the impact of IFRS 17 and IFRS 9. </p>\n<div class=\"tanPageBreak newPage\"> </div>\n<h3 class=\"table-title\">Reconciliation of the consolidated balance sheet 31 December 2022 </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:auto;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:middle;\">(in \u20ac\u00a0millions) </th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>31 December 2022 </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Reclassification </b></th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Remeasurement IFRS9 </b></th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Remeasurement IFRS17 </b></th><th class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Restated <br/>31 December 2022 </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Intangible assets </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">418 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">-96 </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">322 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Property, plant and equipment </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1\" style=\"text-align:right;vertical-align:middle;\">679 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">679 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Investment property </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1\" style=\"text-align:right;vertical-align:middle;\">664 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">664 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Associates and joint ventures at equity method </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1\" style=\"text-align:right;vertical-align:middle;\">79 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">79 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Investments </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1\" style=\"text-align:right;vertical-align:middle;\">25,640 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">16,726 </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">-1,289 </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">41,077 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Investments on behalf of policyholders </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1\" style=\"text-align:right;vertical-align:middle;\">9,912 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">-9,912 </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Investments related to direct participating contracts </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">9,912 </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">9,912 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Investments related to investment contracts </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1\" style=\"text-align:right;vertical-align:middle;\">2,000 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">-2,000 </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Loans and receivables </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1\" style=\"text-align:right;vertical-align:middle;\">17,171 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">-17,171 </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Derivatives </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1\" style=\"text-align:right;vertical-align:middle;\">5,428 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">334 </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">5,761 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Deferred tax assets </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1\" style=\"text-align:right;vertical-align:middle;\">119 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">332 </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">-134 </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">318 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Reinsurance contracts </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1\" style=\"text-align:right;vertical-align:middle;\">357 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">-357 </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Reinsurance contract assets </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">418 </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">-37 </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">381 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Other assets </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1\" style=\"text-align:right;vertical-align:middle;\">828 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">-368 </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">460 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Cash and cash equivalents </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">2,245 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-bottom-1 border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">1 </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-bottom-1 border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-bottom-1 border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-bottom-1 border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">2,246 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total assets </b></td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>65,539 </b></td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>-2,417 </b></td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>-956 </b></td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>-267 </b></td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>61,899 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Share capital </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1\" style=\"text-align:right;vertical-align:middle;\">24 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">24 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Share premium reserve </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1\" style=\"text-align:right;vertical-align:middle;\">1,533 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">1,533 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Unrealised gains and losses </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1\" style=\"text-align:right;vertical-align:middle;\">-922 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">1,187 </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">266 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Actuarial gains and losses </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1\" style=\"text-align:right;vertical-align:middle;\">-168 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">-168 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Retained earnings </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1\" style=\"text-align:right;vertical-align:middle;\">5,333 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">-1,185 </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">-956 </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">377 </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">3,569 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Treasury shares </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">-79 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-bottom-1 border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-bottom-1 border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-bottom-1 border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-bottom-1 border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">-79 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Equity attributable to shareholders </b></td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>5,722 </b></td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>3 </b></td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>-956 </b></td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>377 </b></td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>5,146 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Other equity instruments </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">1,004 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-bottom-1 border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-bottom-1 border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-bottom-1 border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-bottom-1 border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">1,004 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Equity attributable to holders of equity instruments </b></td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>6,726 </b></td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>3 </b></td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>-956 </b></td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>377 </b></td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>6,150 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Non-controlling interests </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">27 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-bottom-1 border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-bottom-1 border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-bottom-1 border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-bottom-1 border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">27 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total equity </b></td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>6,753 </b></td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>3 </b></td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>-956 </b></td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>377 </b></td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>6,177 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Subordinated liabilities </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1\" style=\"text-align:right;vertical-align:middle;\">1,980 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">26 </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">2,005 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Liabilities arising from insurance contracts </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1\" style=\"text-align:right;vertical-align:middle;\">29,633 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">-29,633 </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Liabilities arising from insurance contracts on behalf of policyholders </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1\" style=\"text-align:right;vertical-align:middle;\">13,007 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">-13,007 </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Insurance contract liabilities </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">32,150 </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">-509 </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">31,640 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Liabilities arising from direct participating insurance contracts </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">10,598 </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">-135 </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">10,463 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Liabilities arising from investment contracts </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1\" style=\"text-align:right;vertical-align:middle;\">2,000 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">-2,000 </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Employee benefits </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1\" style=\"text-align:right;vertical-align:middle;\">2,742 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">2,742 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Provisions </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1\" style=\"text-align:right;vertical-align:middle;\">18 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">18 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Borrowings </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1\" style=\"text-align:right;vertical-align:middle;\">214 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">-26 </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">188 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Derivatives </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1\" style=\"text-align:right;vertical-align:middle;\">5,523 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">159 </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">5,681 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Due to customers </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1\" style=\"text-align:right;vertical-align:middle;\">471 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">-471 </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Due to banks </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1\" style=\"text-align:right;vertical-align:middle;\">2,262 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">2 </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">2,264 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Other liabilities </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">938 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-bottom-1 border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">-217 </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-bottom-1 border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-bottom-1 border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-bottom-1 border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">721 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total liabilities </b></td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>58,787 </b></td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>-2,420 </b></td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\"><b>- </b></td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>-644 </b></td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>55,723 </b></td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total equity and liabilities </b></td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>65,539 </b></td><td class=\"startCol-3 endCol-3 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>-2,417 </b></td><td class=\"startCol-4 endCol-4 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>-956 </b></td><td class=\"startCol-5 endCol-5 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>-267 </b></td><td class=\"startCol-6 endCol-6 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>61,899 </b></td></tr></tbody></table> <br/>\n<div class=\"tanPageBreak newPage\"> </div>\n<h3 class=\"table-title\">Reconciliation of the consolidated balance sheet 1 January 2022 </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:auto;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:middle;\">(in \u20ac\u00a0millions) </th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>31 December 2021 </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Reclassification </b></th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Remeasurement IFRS9 </b></th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Remeasurement IFRS17 </b></th><th class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Restated <br/>1 January 2022 </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Intangible assets </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">428 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">-119 </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">310 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Property, plant and equipment </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1\" style=\"text-align:right;vertical-align:middle;\">556 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">556 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Investment property </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1\" style=\"text-align:right;vertical-align:middle;\">2,052 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">2,052 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Associates and joint ventures at equity method </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1\" style=\"text-align:right;vertical-align:middle;\">102 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">102 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Investments </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1\" style=\"text-align:right;vertical-align:middle;\">33,550 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">14,602 </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">1,458 </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">49,609 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Investments on behalf of policyholders </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1\" style=\"text-align:right;vertical-align:middle;\">11,574 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">-11,574 </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Investments related to direct participating contracts </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">11,574 </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">11,574 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Investments related to investment contracts </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1\" style=\"text-align:right;vertical-align:middle;\">1,952 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">-1,952 </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Loans and receivables </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1\" style=\"text-align:right;vertical-align:middle;\">15,259 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">-15,259 </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Derivatives </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1\" style=\"text-align:right;vertical-align:middle;\">6,212 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">229 </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">6,441 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Reinsurance contracts </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1\" style=\"text-align:right;vertical-align:middle;\">417 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">-417 </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Reinsurance contract assets </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">488 </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">34 </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">522 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Other assets </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1\" style=\"text-align:right;vertical-align:middle;\">631 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">-71 </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">560 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Cash and cash equivalents </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">2,306 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-bottom-1 border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">-1 </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-bottom-1 border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-bottom-1 border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-bottom-1 border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">2,305 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total assets </b></td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>75,040 </b></td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>-2,382 </b></td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>1,458 </b></td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>-85 </b></td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>74,032 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Share capital </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1\" style=\"text-align:right;vertical-align:middle;\">22 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">22 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Share premium reserve </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1\" style=\"text-align:right;vertical-align:middle;\">956 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">956 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Unrealised gains and losses </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1\" style=\"text-align:right;vertical-align:middle;\">1,461 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">-745 </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">717 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Actuarial gains and losses </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1\" style=\"text-align:right;vertical-align:middle;\">-1,055 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">-1,055 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Retained earnings </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1\" style=\"text-align:right;vertical-align:middle;\">5,061 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">742 </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">1,082 </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">-1,271 </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">5,613 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Treasury shares </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">-83 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-bottom-1 border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-bottom-1 border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-bottom-1 border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-bottom-1 border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">-83 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Equity attributable to shareholders </b></td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>6,363 </b></td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>-3 </b></td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>1,082 </b></td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>-1,271 </b></td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>6,170 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Other equity instruments </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">1,004 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-bottom-1 border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-bottom-1 border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-bottom-1 border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-bottom-1 border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">1,004 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Equity attributable to holders of equity instruments </b></td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>7,367 </b></td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>-3 </b></td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>1,082 </b></td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>-1,271 </b></td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>7,174 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Non-controlling interests </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">18 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-bottom-1 border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-bottom-1 border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-bottom-1 border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-bottom-1 border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">18 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total equity </b></td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>7,385 </b></td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>-3 </b></td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>1,082 </b></td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>-1,271 </b></td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>7,192 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Subordinated liabilities </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1\" style=\"text-align:right;vertical-align:middle;\">992 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">18 </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">1,010 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Liabilities arising from insurance contracts </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1\" style=\"text-align:right;vertical-align:middle;\">37,797 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">-37,797 </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Liabilities arising from insurance contracts on behalf of policyholders </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1\" style=\"text-align:right;vertical-align:middle;\">14,566 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">-14,566 </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Insurance contract liabilities </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">40,383 </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">1,615 </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">41,998 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Liabilities arising from direct participating insurance contracts </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">12,160 </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">15 </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">12,175 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Liabilities arising from investment contracts </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1\" style=\"text-align:right;vertical-align:middle;\">1,952 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">-1,952 </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Employee benefits </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1\" style=\"text-align:right;vertical-align:middle;\">4,013 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">4,013 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Provisions </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1\" style=\"text-align:right;vertical-align:middle;\">24 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">24 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Borrowings </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1\" style=\"text-align:right;vertical-align:middle;\">192 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">-26 </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">165 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Deferred tax liabilities </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1\" style=\"text-align:right;vertical-align:middle;\">69 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">376 </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">-443 </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">3 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Derivatives </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1\" style=\"text-align:right;vertical-align:middle;\">759 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">73 </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">832 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Due to customers </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1\" style=\"text-align:right;vertical-align:middle;\">573 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">-573 </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Due to banks </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1\" style=\"text-align:right;vertical-align:middle;\">5,741 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">5,741 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Other liabilities </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">976 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-bottom-1 border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">-98 </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-bottom-1 border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-bottom-1 border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-bottom-1 border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">878 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total liabilities </b></td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>67,655 </b></td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>-2,379 </b></td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>376 </b></td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>1,187 </b></td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>66,839 </b></td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total equity and liabilities </b></td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>75,040 </b></td><td class=\"startCol-3 endCol-3 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>-2,382 </b></td><td class=\"startCol-4 endCol-4 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>1,458 </b></td><td class=\"startCol-5 endCol-5 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>-85 </b></td><td class=\"startCol-6 endCol-6 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>74,032 </b></td></tr></tbody></table> <br/>\n<p>The adoption of IFRS 9 and 17 has had the following impact on a.s.r.\u2019s basic and diluted earnings per ordinary share for the year ended 31 December 2022: </p><ul><li>\n<p>For basic earnings per share, a decrease of \u20ac\u00a017.83; and </p></li><li>\n<p>For diluted earnings per share, a decrease of \u20ac\u00a015.39. </p></li></ul>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n1286160\"><span class=\"number\">7.3.1.4 </span><span class=\"title-text\">Transition to IFRS 9 </span></h1>\n<p>The following table contains the original measurement category and carrying amount under IAS 39 and the new measurement category and carrying amount under IFRS 9 for each class of financial assets and financial liabilities as at 1 January 2023. Also included are the reclasses related to amongst others the 'dirty' fair value. See accounting policy <a href=\"#n1286373\" title=\"E. Financial assets and financial liabilities\">E</a>. </p>\n<h3 class=\"table-title\">Original measurement category and carrying amount under IAS 39 and the new measurement category and carrying amount under IFRS 9 as at 1 January 2023 </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:0%;\"/><col style=\"width:20%;\"/><col style=\"width:20%;\"/><col style=\"width:12%;\"/><col style=\"width:12%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;\"><b>(in \u20ac\u00a0millions) </b></th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Original classification under IAS 39 </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>New classification under IFRS 9 </b></th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Original carrying amount </b></th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>New carrying amount </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Financial assets </b></td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Investments </b></td><td class=\"startCol-2 endCol-2 valign-top border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Investments - transferred under repurchase agreements </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Government bonds </td><td class=\"startCol-2 endCol-2 valign-bottom align-left border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Available for sale </td><td class=\"startCol-3 endCol-3 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">FVTPL (mandatory) </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">432 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">437 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Investments - own risk </b></td><td class=\"startCol-2 endCol-2 valign-top border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Real estate equity funds </td><td class=\"startCol-2 endCol-2 valign-bottom align-left border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:bottom;\">FVTPL </td><td class=\"startCol-3 endCol-3 valign-bottom align-left border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\">FVTPL (mandatory) </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1\" style=\"text-align:right;vertical-align:bottom;\">4,105 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1\" style=\"text-align:right;vertical-align:bottom;\">4,092 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Mortgage equity funds </td><td class=\"startCol-2 endCol-2 valign-bottom align-left border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">FVTPL </td><td class=\"startCol-3 endCol-3 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">FVTPL (mandatory) </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">684 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">705 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Mortgage equity funds </td><td class=\"startCol-2 endCol-2 valign-bottom align-left border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Available for sale </td><td class=\"startCol-3 endCol-3 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">FVTPL (mandatory) </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">303 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">303 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Government bonds </td><td class=\"startCol-2 endCol-2 valign-bottom align-left border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Available for sale </td><td class=\"startCol-3 endCol-3 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">FVTPL (mandatory) </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">8,794 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">8,872 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Corporate bonds </td><td class=\"startCol-2 endCol-2 valign-bottom align-left border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Available for sale </td><td class=\"startCol-3 endCol-3 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">FVTPL (mandatory) </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">7,188 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">7,272 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Asset-backed securities </td><td class=\"startCol-2 endCol-2 valign-bottom align-left border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Available for sale </td><td class=\"startCol-3 endCol-3 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">FVTPL (mandatory) </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">416 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">413 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Preference shares </td><td class=\"startCol-2 endCol-2 valign-bottom align-left border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Available for sale </td><td class=\"startCol-3 endCol-3 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">FVOCI </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">289 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">297 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Other investment funds </td><td class=\"startCol-2 endCol-2 valign-bottom align-left border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Available for sale </td><td class=\"startCol-3 endCol-3 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">FVTPL (mandatory) </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,596 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,588 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Other investment funds </td><td class=\"startCol-2 endCol-2 valign-bottom align-left border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">FVTPL </td><td class=\"startCol-3 endCol-3 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">FVTPL (mandatory) </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">16 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">16 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Equities </td><td class=\"startCol-2 endCol-2 valign-bottom align-left border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Available for sale </td><td class=\"startCol-3 endCol-3 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">FVOCI </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,743 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,743 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Equities </td><td class=\"startCol-2 endCol-2 valign-bottom align-left border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">FVTPL </td><td class=\"startCol-3 endCol-3 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">FVTPL </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">67 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">67 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Other participating contracts </td><td class=\"startCol-2 endCol-2 valign-bottom align-left border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Available for sale </td><td class=\"startCol-3 endCol-3 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">FVOCI </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">6 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">6 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Government and public sector loans </td><td class=\"startCol-2 endCol-2 valign-bottom align-left border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Amortised Cost </td><td class=\"startCol-3 endCol-3 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">FVTPL (mandatory) </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">221 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">227 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Mortgage loans </td><td class=\"startCol-2 endCol-2 valign-bottom align-left border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Amortised Cost </td><td class=\"startCol-3 endCol-3 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">FVTPL (mandatory) </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">10,366 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">9,074 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Loans to credit institutions </td><td class=\"startCol-2 endCol-2 valign-bottom align-left border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Amortised Cost </td><td class=\"startCol-3 endCol-3 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">FVTPL (mandatory) </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2,627 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2,644 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Other investments </td><td class=\"startCol-2 endCol-2 valign-bottom align-left border-left-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Amortised Cost </td><td class=\"startCol-3 endCol-3 valign-bottom align-left border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">FVTPL (mandatory) </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">3,352 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">3,320 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>42,206 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>41,077 </b></td></tr></tbody></table> <br/>\n<h3 class=\"table-title\">Original measurement category and carrying amount under IAS 39 and the new measurement category and carrying amount under IFRS 9 as at 1 January 2023 </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:0%;\"/><col style=\"width:20%;\"/><col style=\"width:20%;\"/><col style=\"width:12%;\"/><col style=\"width:12%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;\"><b>(in \u20ac\u00a0millions) </b></th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Original classification under IAS 39 </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>New classification under IFRS 9 </b></th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Original carrying amount </b></th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>New carrying amount </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Investments related to direct participating insurance contracts </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Real estate equity funds </td><td class=\"startCol-2 endCol-2 valign-bottom align-left border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">FVTPL </td><td class=\"startCol-3 endCol-3 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">FVTPL (mandatory) </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">170 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">170 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Mortgage equity funds </td><td class=\"startCol-2 endCol-2 valign-bottom align-left border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">FVTPL </td><td class=\"startCol-3 endCol-3 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">FVTPL (mandatory) </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">252 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">252 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Government bonds </td><td class=\"startCol-2 endCol-2 valign-bottom align-left border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">FVTPL </td><td class=\"startCol-3 endCol-3 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">FVTPL (mandatory) </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,526 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,543 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Corporate bonds </td><td class=\"startCol-2 endCol-2 valign-bottom align-left border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">FVTPL </td><td class=\"startCol-3 endCol-3 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">FVTPL (mandatory) </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,386 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,386 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Equities </td><td class=\"startCol-2 endCol-2 valign-bottom align-left border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">FVTPL </td><td class=\"startCol-3 endCol-3 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">FVTPL (mandatory) </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">6,504 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">6,486 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Other investments </td><td class=\"startCol-2 endCol-2 valign-bottom align-left border-left-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">FVTPL </td><td class=\"startCol-3 endCol-3 valign-bottom align-left border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">FVTPL (mandatory) </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">75 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">76 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>9,912 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>9,912 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Investments related to investment contracts </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Real estate equity funds </td><td class=\"startCol-2 endCol-2 valign-bottom align-left border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">FVTPL </td><td class=\"startCol-3 endCol-3 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Not applicable </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">97 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Government bonds </td><td class=\"startCol-2 endCol-2 valign-bottom align-left border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">FVTPL </td><td class=\"startCol-3 endCol-3 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Not applicable </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">261 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Corporate bonds </td><td class=\"startCol-2 endCol-2 valign-bottom align-left border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">FVTPL </td><td class=\"startCol-3 endCol-3 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Not applicable </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">149 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Equities </td><td class=\"startCol-2 endCol-2 valign-bottom align-left border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">FVTPL </td><td class=\"startCol-3 endCol-3 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Not applicable </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,449 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Other investments </td><td class=\"startCol-2 endCol-2 valign-bottom align-left border-left-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">FVTPL </td><td class=\"startCol-3 endCol-3 valign-bottom align-left border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Not applicable </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">44 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>2,000 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Derivatives assets </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-left border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:bottom;\">FVTPL </td><td class=\"startCol-3 endCol-3 valign-bottom align-left border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\">FVTPL (mandatory) </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1\" style=\"text-align:right;vertical-align:bottom;\">5,428 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1\" style=\"text-align:right;vertical-align:bottom;\">5,761 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Other financial assets </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-left border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:bottom;\">Amortised Cost </td><td class=\"startCol-3 endCol-3 valign-bottom align-left border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\">Amortised Cost </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1\" style=\"text-align:right;vertical-align:bottom;\">669 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1\" style=\"text-align:right;vertical-align:bottom;\">247 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Cash and cash equivalents </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-left border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:bottom;\">FVTPL </td><td class=\"startCol-3 endCol-3 valign-bottom align-left border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\">FVTPL (mandatory) </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1\" style=\"text-align:right;vertical-align:bottom;\">2,245 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1\" style=\"text-align:right;vertical-align:bottom;\">2,246 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total financial assets </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>62,459 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>59,243 </b></td></tr></tbody></table> <br/>\n<h3 class=\"table-title\">Original measurement category and carrying amount under IAS 39 and the new measurement category and carrying amount under IFRS 9 as at 1 January 2023 </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:0%;\"/><col style=\"width:20%;\"/><col style=\"width:20%;\"/><col style=\"width:12%;\"/><col style=\"width:12%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;\"><b>(in \u20ac\u00a0millions) </b></th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Original classification under IAS 39 </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>New classification under IFRS 9 </b></th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Original carrying amount </b></th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>New carrying amount </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Financial liabilities </b></td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Subordinated liabilities </td><td class=\"startCol-2 endCol-2 valign-bottom align-left border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Amortised cost </td><td class=\"startCol-3 endCol-3 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Amortised cost </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,980 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2,005 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Liabilities arising from investment contracts </td><td class=\"startCol-2 endCol-2 valign-bottom align-left border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">FVTPL </td><td class=\"startCol-3 endCol-3 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Not applicable </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2,000 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Borrowings (excluding lease liabilities) </td><td class=\"startCol-2 endCol-2 valign-bottom align-left border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Amortised cost </td><td class=\"startCol-3 endCol-3 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Amortised cost </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">152 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">126 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Due to customers </td><td class=\"startCol-2 endCol-2 valign-bottom align-left border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Amortised cost </td><td class=\"startCol-3 endCol-3 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Not applicable </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">471 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Derivatives liabilities </td><td class=\"startCol-2 endCol-2 valign-bottom align-left border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">FVTPL </td><td class=\"startCol-3 endCol-3 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">FVTPL (mandatory) </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">5,523 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">5,681 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Due to banks </td><td class=\"startCol-2 endCol-2 valign-bottom align-left border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Amortised cost </td><td class=\"startCol-3 endCol-3 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Amortised cost </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2,262 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2,264 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Other financial liabilities </td><td class=\"startCol-2 endCol-2 valign-bottom align-left border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Amortised cost </td><td class=\"startCol-3 endCol-3 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Amortised cost </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">200 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">55 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total financial liabilities </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>12,588 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>10,132 </b></td></tr></tbody></table> <br/>\n<h3 class=\"table-title\">Reconciliation of the carrying amount of financial assets under IAS 39 to IFRS 9 on 1 January 2023 - FVTPL </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:0%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;\"><b>FVTPL </b></th><th class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:middle;\"><b>31 December 2022 (IAS 39) </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Reclassification </b></th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Remeasurement </b></th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>1 January 2023 (IFRS 9) </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\"><b>Investments - transferred under repurchase agreements </b></td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:middle;\"><b>Government bonds </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">brought forward </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">reclassified from available for sale </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">432 </td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">reclassified from other assets </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">5 </td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">carried forward </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">437 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-left-1 border-right-1\" style=\"text-align:left;vertical-align:middle;\"><b>Investments - own risk </b></td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:middle;\"><b>Real estate equity funds </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">brought forward </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">4,105 </td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">remeasurement </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">-14 </td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">carried forward </td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">4,092 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:middle;\"><b>Mortgage equity funds </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">brought forward </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">684 </td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">reclassified from available for sale </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">303 </td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">remeasurement </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">21 </td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">carried forward </td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,008 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:middle;\"><b>Government bonds </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">brought forward </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">reclassified from available for sale </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">8,794 </td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">reclassified from other assets </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">77 </td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">carried forward </td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">8,872 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:middle;\"><b>Corporate bonds </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">brought forward </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">reclassified from available for sale </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">7,188 </td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">reclassified from other assets </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">85 </td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">carried forward </td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">7,272 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:middle;\"><b>Asset-backed securities </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">brought forward </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">reclassified from available for sale </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">416 </td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">reclassified from other assets </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2 </td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">remeasurement </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">-4 </td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">carried forward </td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">413 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:middle;\"><b>Other investment funds </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">brought forward </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">16 </td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">reclassified from available for sale </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,596 </td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">remeasurement </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">-7 </td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">carried forward </td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,605 </td></tr></tbody></table> <br/>\n<h3 class=\"table-title\">Reconciliation of the carrying amount of financial assets under IAS 39 to IFRS 9 on 1 January 2023 - FVTPL </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:0%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;\"><b>FVTPL </b></th><th class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:middle;\"><b>31 December 2022 (IAS 39) </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Reclassification </b></th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Remeasurement </b></th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>1 January 2023 (IFRS 9) </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\"><b>Equities </b></td><td class=\"startCol-2 endCol-2 valign-middle align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">67 </td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">67 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:middle;\"><b>Government and public sector loans </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">brought forward </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">reclassified from loans and receivables </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">221 </td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">reclassified from other assets </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2 </td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">remeasurement </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">4 </td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">carried forward </td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">227 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:middle;\"><b>Mortgage loans </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">brought forward </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">reclassified from loans and receivables </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">10,366 </td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">reclassified from other assets </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">22 </td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">remeasurement </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">-1,314 </td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">carried forward </td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">9,074 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:middle;\"><b>Loans to credit institutions </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">brought forward </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">reclassified from loans and receivables </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2,601 </td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">reclassified from other assets </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">3 </td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">reclassified to investments related to investment contracts </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-27 </td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">remeasurement </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">67 </td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">carried forward </td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2,644 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:middle;\"><b>Other investments </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">brought forward </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">reclassified from loans and receivables </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">3,352 </td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">reclassified from other assets </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">10 </td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">remeasurement </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">-42 </td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">carried forward </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">3,320 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:middle;\"><b>Investments related to direct participating insurance contracts </b></td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">9,912 </td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1\" style=\"text-align:right;vertical-align:bottom;\">9,912 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:middle;\"><b>Investments related to investment contracts </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">brought forward </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">2,000 </td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">reclassified from loans and receivables </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">27 </td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">reclassified from liabilities arising from investment contracts </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-2,027 </td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">carried forward </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:middle;\"><b>Derivatives assets </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">brought forward </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">5,428 </td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">reclassified from other assets </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">334 </td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">carried forward </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">5,761 </td></tr></tbody></table> <br/>\n<h3 class=\"table-title\">Reconciliation of the carrying amount of financial assets under IAS 39 to IFRS 9 on 1 January 2023 - FVTPL </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:auto;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;\"><b>FVTPL </b></th><th class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:middle;\"><b>31 December 2022 (IAS 39) </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Reclassification </b></th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Remeasurement </b></th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>1 January 2023 (IFRS 9) </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\"><b>Cash and cash equivalents </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">brought forward </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">2,245 </td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">reclassified from other assets </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1 </td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">carried forward </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2,246 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total FVTPL </b></td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>24,457 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>33,781 </b></td><td class=\"startCol-4 endCol-4 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>-1,289 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>56,950 </b></td></tr></tbody></table> <br/>\n<h3 class=\"table-title\">Reconciliation of the carrying amount of financial assets under IAS 39 to IFRS 9 on 1 January 2023 \u2013 FVOCI </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:0%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;\"><b>FVOCI </b></th><th class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:middle;\"><b>31 December 2022 (IAS 39) </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Reclassification </b></th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Remeasurement </b></th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>1 January 2023 (IFRS 9) </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\"><b>Investments </b></td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:middle;\"><b>Equities </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">brought forward </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">reclassified from available for sale </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,743 </td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">carried forward </td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,743 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:middle;\"><b>Preference shares </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">brought forward </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">reclassified from available for sale </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">289 </td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">reclassified from other assets </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">8 </td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">carried forward </td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">297 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:middle;\"><b>Other participating contracts </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">brought forward </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">reclassified from available for sale </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">6 </td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">carried forward </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">6 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total FVOCI </b></td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\"><b>- </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>2,046 </b></td><td class=\"startCol-4 endCol-4 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\"><b>- </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>2,046 </b></td></tr></tbody></table> <br/>\n<h3 class=\"table-title\">Reconciliation of the carrying amount of financial assets under IAS 39 to IFRS 9 on 1 January 2023 - Available for sale </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:0%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;\"><b>Available for sale </b></th><th class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:middle;\"><b>31 December 2022 (IAS 39) </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Reclassification </b></th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Remeasurement </b></th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>1 January 2023 (IFRS 9) </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\"><b>Investments </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">brought forward </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">20,767 </td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">reclassified to FVTPL </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-18,728 </td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">reclassified to FVOCI </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-2,038 </td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">carried forward </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total available for sale </b></td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>20,767 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-20,767 </b></td><td class=\"startCol-4 endCol-4 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\"><b>- </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td></tr></tbody></table> <br/>\n<h3 class=\"table-title\">Reconciliation of the carrying amount of financial assets under IAS 39 to IFRS 9 on 1 January 2023 \u2013 Amortised cost </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:auto;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;\"><b>Amortised cost </b></th><th class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:middle;\"><b>31 December 2022 (IAS 39) </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Reclassification </b></th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Remeasurement </b></th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>1 January 2023 (IFRS 9) </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\"><b>Loans and receivables </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">brought forward </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">17,171 </td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">reclassified to investments </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-16,513 </td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">reclassified to investments related to investment contracts </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-27 </td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">reclassified to other assets </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-245 </td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">reclassified to insurance contract liabilities </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-323 </td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">reclassified to reinsurance contract assets </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-63 </td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">carried forward </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Other financial assets </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">brought forward </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">669 </td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">reclassified from loans and receivables </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">245 </td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">reclassified to investments </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-219 </td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">reclassified to derivatives assets </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-336 </td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">reclassified to insurance contract liabilities </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-50 </td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">reclassified to other non-financial assets </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-64 </td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">carried forward </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">247 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total amortised cost </b></td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>17,840 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-17,593 </b></td><td class=\"startCol-4 endCol-4 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\"><b>- </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>247 </b></td></tr></tbody></table> <br/>\n<h3 class=\"table-title\">Reconciliation of the carrying amount of financial liabilities under IAS 39 to IFRS 9 on 1 January 2023 - FVTPL </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:auto;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;\"><b>FVTPL </b></th><th class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:middle;\"><b>31 December 2022 (IAS 39) </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Reclassification </b></th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Remeasurement </b></th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>1 January 2023 (IFRS 9) </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\"><b>Liabilities arising from investment contracts </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">brought forward </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">2,000 </td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">reclassified from due to customers </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">27 </td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">reclassified to investments related to investment contracts </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-2,027 </td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">carried forward </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:middle;\"><b>Derivatives liabilities </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">brought forward </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">5,523 </td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">reclassified from other financial liabilities </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">159 </td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">carried forward </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">5,681 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total FVTPL </b></td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>7,523 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-1,842 </b></td><td class=\"startCol-4 endCol-4 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\"><b>- </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>5,681 </b></td></tr></tbody></table> <br/>\n<h3 class=\"table-title\">Reconciliation of the carrying amount of financial liabilities under IAS 39 to IFRS 9 on 1 January 2023 - Amortised cost </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:auto;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;\"><b>Amortised cost </b></th><th class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:middle;\"><b>31 December 2022 (IAS 39) </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Reclassification </b></th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Remeasurement </b></th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>1 January 2023 (IFRS 9) </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\"><b>Subordinated liabilities </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">brought forward </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">1,980 </td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">reclassified from other financial liabilities </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">25 </td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">carried forward </td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2,005 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-left-1 border-right-1\" style=\"text-align:left;vertical-align:middle;\"><b>Borrowings (excluding lease liabilities) </b></td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-left-1 border-right-1\" style=\"text-align:left;vertical-align:middle;\">brought forward </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">152 </td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-left-1 border-right-1\" style=\"text-align:left;vertical-align:middle;\">reclassified to other financial liabilities </td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:bottom;\">-26 </td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-left-1 border-right-1\" style=\"text-align:left;vertical-align:middle;\">carried forward </td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:bottom;\">126 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:middle;\"><b>Due to customers </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">brought forward </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">471 </td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">reclassified to reinsurance contract assets </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-2 </td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">reclassified to insurance contract liabilities </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-278 </td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">reclassified to liabilities arising from direct participating insurance contracts </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-103 </td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">reclassified to liabilities arising from investment contracts </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-27 </td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">reclassified to other liabilities </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-61 </td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">carried forward </td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:middle;\"><b>Due to banks </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">brought forward </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">2,262 </td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">reclassified from other financial liabilities </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2 </td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">carried forward </td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2,264 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:middle;\"><b>Other financial liabilities </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">brought forward </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">200 </td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">reclassified to insurance contract liabilities </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-10 </td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">reclassified to subordinated liabilities </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-26 </td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">reclassified to derivatives liabilities </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-160 </td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">reclassified to due to banks </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-2 </td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">reclassified from due to customers </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">27 </td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">reclassified from borrowings </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">26 </td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">carried forward </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">55 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total amortised cost </b></td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>5,065 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-614 </b></td><td class=\"startCol-4 endCol-4 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\"><b>- </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>4,450 </b></td></tr></tbody></table> <br/>\n<p>The following table contains the reconciliation of the closing impairment allowance in accordance with IAS 39 as at 31 December 2022 with the opening loss allowance determined in accordance with IFRS 9 as at 1 January 2023. </p>\n<h3 class=\"table-title\">Reconciliation of the closing impairment allowance in accordance with IAS 39 as at 31 December 2022 with the opening loss allowance determined in accordance with IFRS 9 as at 1 January 2023 </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:auto;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;\"><b>Impairment of financial assets </b></th><th class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:middle;\"><b>31 December 2022 (IAS 39) </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Reclassification </b></th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Remeasurement </b></th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>1 January 2023 (IFRS 9) </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">Investments at FVTPL from available for sale </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">-227 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">227 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">Equities and similar investments at FVOCI from available for sale </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">-147 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">147 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">Loans and receivables </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">-71 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">27 </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">44 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">Other assets </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-4 </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-4 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total loss allowance </b></td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>-445 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>24 </b></td><td class=\"startCol-4 endCol-4 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>418 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-4 </b></td></tr></tbody></table> <br/>\n<h1 class=\"S_PARAGRAPH\" id=\"n1286208\"><span class=\"number\">7.3.2 </span><span class=\"title-text\">Other changes in presentations </span></h1>\n<p>The current presentation differs from last year\u2019s presentation in some aspects besides IFRS 17 and IFRS 9. Where applicable, in accordance with IFRS, comparative figures have been included in the new presentation format, including related disclosures, to ensure comparability. These changes in presentation have no impact on net result nor equity. </p>\n<p>In accordance with IFRS10 \u201cConsolidated financial statements\u201d definition of control and prompted by the acquisition of Aegon NL, a.s.r. has adopted a change in presentation and as such will no longer consolidate the fund investment contracts and related liabilities of the institution for occupational retirement provision (IORP) entities onto the statement of financial position. The adoption of this policy has no impact on a.s.r.\u2019s past or future financial position, financial performance, or cash flows. The comparative figures have been restated accordingly. </p>\n<h1 class=\"S_PARAGRAPH\" id=\"n1286230\"><span class=\"number\">7.3.3 </span><span class=\"title-text\">Upcoming changes in published IFRS standards and interpretations, not yet effective in 2023 </span></h1>\n<div class=\"header header-2\">International Tax Reform \u2013 Pillar II Model rules (Amendments to IAS 12) </div>\n<p>The EU Directive Pillar Two (which is implemented in the Netherlands as the \u201cWet minimumbelasting\u201d, and is effective for accounting periods beginning on or after 1 January 2024) apply to multinational enterprises and large scale domestic groups that have consolidated revenues (which, as defined by the OECD, include any form of income and are therefore not limited to revenue recognised in accordance with IFRS 15) of \u20ac\u00a0750 million in at least two out of the last four years.\u00a0a.s.r. operates in the Netherlands as a large scale domestic group and expects to be subject to the top-up tax in relation to its operations in the Netherlands, where the statutory tax rate is 25.8%. If the top-up tax had applied in 2023, the profits relating to a.s.r.\u2019s operations in the Netherlands for the year ended 31 December 2023 would not be subject to it, as the average effective tax rate applicable to these profits exceeds the 15% minimum effective tax rate. </p>\n<p>a.s.r. has determined that the top-up tax (which it is required to pay under the Wet minimumbelasting),\u00a0the relief from deferred tax accounting for Pillar II, is an income tax in the scope of IAS 12. a.s.r. has applied the temporary mandatory relief from deferred tax accounting for the impacts of the top-up tax and accounts for it as a current tax when it is incurred. </p>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfChangesInAccountingPoliciesExplanatory",
    "language": "en",
    "entity": "scheme:7245000G0HS48PZWUD53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "ixv-536": {
   "value": "\n<h1 class=\"S_PARAGRAPH\" id=\"n1286092\"><span class=\"number\">7.3.1 </span><span class=\"title-text\">Changes in EU endorsed published IFRS Standards and Interpretations effective in 2023 </span></h1>\n<p>a.s.r. has adopted the following new standards, including any consequential amendments to other standards, with a date of initial application of 1 January 2023: </p><ul><li>\n<p>IFRS 17 Insurance contracts; </p></li><li>\n<p>IFRS 9 Financial instruments. </p></li></ul>\n<p>The impact of these changes on a.s.r.\u2019s profit before tax and shareholders returns is summarised below. In line with IFRS accounting requirements the comparative figures relating to IFRS 17 have been restated. In addition, a.s.r. has chosen to restate the comparative figures relating to IFRS 9 in line with the overlay approach as permitted under IFRS 17, ensuring better comparability between 2022 and 2023. Due to further analysis of the impact of IFRS 17 and IFRS 9 and harmonisation resulting from the Aegon NL acquisition, the comparative figures related to these standards show some adjustments in comparison to earlier presented comparative figures. </p>\n<p>With the exception of IFRS 17 and IFRS 9, there were no changes in EU endorsed published IFRS Standards and Interpretations that were relevant to a.s.r. </p>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n1286183\"><span class=\"number\">7.3.1.1 </span><span class=\"title-text\">IFRS 17 Insurance contracts </span></h1>\n<div class=\"header header-2\">Recognition, measurement and presentation of insurance contracts </div>\n<p>IFRS 17 establishes principles for the recognition, classification, measurement, presentation and disclosure of insurance contracts, reinsurance contracts and investment contracts with discretionary participating features. The standard introduces three models for the measurement of the insurance contracts. The general measurement model (GMM), the variable fee approach (VFA) for contracts with a direct participating feature and the premium allocation approach (PAA) which is a simplified version of the GMM and is used mainly for short-duration contracts. </p>\n<p>The GMM and VFA measure insurance liabilities as the total of the present value of future cash flows (inflows as well as outflows), the risk adjustment (RA) and a contractual service margin (CSM). The CSM represents the unearned profits of insurance contracts and is released to the income statement over the expected insurance coverage period and recognised as revenue in each reporting period. The insurance contract revenue depicts the insurance contract services provided arising from the group of insurance contracts at an amount that reflects the consideration to which a.s.r. is entitled to in exchange for those services. Revenue includes the release of the CSM and RA in profit or loss over the coverage period. Insurance service result, comprising of insurance contract revenue and insurance service expenses, is a new income statement line item which is effectively a net result on non-financial risks of all insurance contracts. </p>\n<p>Shadow accounting and recognising a provision for realised gains and losses has been discontinued under IFRS 17. </p>\n<p>Insurance finance income and expenses are presented separately from insurance contract revenue and insurance service expenses. </p>\n<p>The VFA is required for insurance contracts that meet specific requirements whereby a link between payments to the policyholder and the returns on underlying items, such as some \u2018participating\u2019, \u2018with profits\u2019 and \u2018unit linked\u2019 contracts, is key. The interest on the CSM for such contracts is accreted implicitly through adjusting the CSM for the change in the variable fee. The variable fee represents a.s.r.\u2019s share of the fair value of the underlying items less amounts that do not vary based on the return of the underlying items. The CSM is also adjusted for the time value of money and the effect of changes in financial risks not arising from underlying items such as options and guarantees. </p>\n<p>a.s.r. applies the PAA to simplify the measurement of contracts in the Non-life segment, except for certain groups of Non-life contracts which do not qualify for the PAA. a.s.r. uses the PAA as the default measurement model for reinsurance contracts with a coverage period of one year or less, but the business line has the option to choose the GMM. </p>\n<p>When measuring liabilities for remaining coverage, the PAA is similar to a.s.r.\u2019s previous accounting treatment. When measuring liabilities for incurred claims, a.s.r. discounts cash flows that are expected to occur more than one year after the date on which the claims are incurred and includes an explicit risk adjustment for non-financial risk. </p>\n<p>Previously, all acquisition costs were recognised directly in profit or loss. Under IFRS 17, insurance acquisition cash flows that arise before the recognition of the related insurance contracts are recognised as separate assets and are tested for recoverability when triggers are identified. These assets are presented in the carrying amount of the insurance contract liabilities and are included in the insurance contract cash flows once the related contracts have been recognised. Under the GMM and VFA, insurance acquisition cash flows are included in the estimates of the present value of future cash flows of insurance contracts and released to profit or loss in a systematic way based on the passage of time. For contracts under the PAA model a.s.r. made the election to recognise insurance acquisition cash flows directly in the income statement. </p>\n<p>Income and expenses from reinsurance contracts held, other than insurance finance income and expenses, are included within the insurance service result in the income statement, but separate from the insurance contracts. </p>\n<p>For more information reference is made to accounting policy <a href=\"#n1286397\" title=\"F1. Insurance contracts\">F</a>. </p>\n<p>Under the former a.s.r. accounting policies (IFRS 4) the main principles applied were: </p><ul><li>\n<p>Future obligations in respect of policy benefits for life insurance contracts were calculated based on a net premium method (the present value of future obligations less the present value of future net premiums) using the same principles as for calculating the premium at inception of the insurance contract \u2018tarief grondslagen\u2019. </p></li><li>\n<p>For Non-life a provision for claims, a provision for current risks, and a provision for unearned premiums was recognised. The provision for claims was based on estimates of claims payable. Claims payable related to unpaid claims and claims handling costs, as well as claims incurred but not reported. </p></li><li>\n<p>Shadow accounting was applied allowing recognised unrealised gains or losses on assets (either through other comprehensive income or profit or loss) to be transferred to the insurance liabilities. </p></li><li>\n<p>A provision for realised gains and losses as part of the insurance liability was recognised. </p></li><li>\n<p>The liability adequacy test (LAT) was performed each reporting date to assess the adequacy of insurance liabilities. For this test, the insurance liabilities were calculated in accordance with Solvency II, using the Ultimate Forward Rate prevailing at the reporting date. </p></li><li>\n<p>All acquisition costs were recognised in the income statement when incurred. </p></li><li>\n<p>Revenue for insurance contracts was recognised when premiums were earned or received. </p></li><li>\n<p>The reinsurance expenses were presented under net insurance premiums and amounts recovered from reinsurers were presented under net insurance claims and benefits. </p></li><li>\n<p>Value of Business acquired (VOBA) represented the difference between the fair value and the carrying amount of insurance portfolios that had been acquired. </p></li><li>\n<p>Receivables and payables in relation to insurance contracts were presented under loans and receivables and due to customers. </p></li></ul>\n<div class=\"header header-2\">Transition </div>\n<p>Changes in accounting policies resulting from the adoption of IFRS 17 have been applied retrospectively to the extent practicable. At 1 January 2022, a.s.r.: </p><ul><li>\n<p>Identified, recognised and measured each group of contracts using the full retrospective approach (as if IFRS 17 had always been applied), the modified retrospective approach or the fair value approach. </p></li><li>\n<p>Identified, recognised and measured any assets for prepaid insurance acquisition cash flows as if IFRS 17 had always been applied. </p></li><li>\n<p>Derecognised previously reported balances that would not have existed if IFRS 17 had always been applied. These included the intangible assets \u2018value of business acquired\u2019, insurance receivables and insurance payables. Under IFRS 17, these are included in the measurement of the insurance contracts liabilities and assets. </p></li><li>\n<p>Recognised any resulting net difference in equity. The carrying amount of goodwill from previous business combinations was not adjusted. </p></li></ul>\n<p>Notwithstanding the above, for certain groups of contracts IFRS 17 has not been applied retrospectively, because data was not available. In these cases, a.s.r. applied the modified retrospective approach or the fair value approach as allowed by IFRS 17 at 1 January 2022. To indicate the effect of these groups of contracts on the CSM and insurance contract revenue, a.s.r. has provided additional disclosures. See <a href=\"#n1288783\" title=\"Insurance contract liabilities and reinsurance contract assets\">chapter 7.5.13</a> and <a href=\"#n1288943\" title=\"Liabilities arising from direct participating insurance contracts\">chapter 7.5.14</a>. </p>\n<p>a.s.r. has applied the transition provisions in IFRS 17 and has disclosed the effect on the consolidated financial statements at 1 January 2022 in chapter 3.4 of the consolidated interim statement of changes in equity, and in chapter 4.2.3 financial impact of changes in accounting policies and changes in presentation. The application of the transition measurement methods are presented below: </p>\n<h3 class=\"table-title\">Transition measurement methods for contracts measured under the GMM or PAA </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:11%;\"/><col style=\"width:19%;\"/><col style=\"width:29%;\"/><col style=\"width:41%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:middle;\"><b>Segment </b></th><th class=\"startCol-2 endCol-2 valign-middle border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:middle;\"><b>Product </b></th><th class=\"startCol-3 endCol-3 valign-middle border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:middle;\"><b>Reporting year date </b></th><th class=\"startCol-4 endCol-4 valign-middle border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:middle;\"><b>Transition measurement method </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Non-life </td><td class=\"startCol-2 endCol-2 valign-bottom border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">P&amp;C </td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-bottom border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Full retrospective approach </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-bottom border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Disability </td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-bottom border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Modified retrospective approach or Fair value approach </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-bottom border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Health </td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-bottom border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Full retrospective approach </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Life </td><td class=\"startCol-2 endCol-2 valign-bottom border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Life individual </td><td class=\"startCol-3 endCol-3 valign-bottom border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Contracts after 1-1-2016 </td><td class=\"startCol-4 endCol-4 valign-bottom border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Full retrospective approach </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-bottom border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Contracts before 1-1-2016 </td><td class=\"startCol-4 endCol-4 valign-bottom border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Fair value approach </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-bottom border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Pension </td><td class=\"startCol-3 endCol-3 valign-bottom border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Acquisitions after 1-1-2018 </td><td class=\"startCol-4 endCol-4 valign-bottom border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Full retrospective approach </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-bottom border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Other contracts </td><td class=\"startCol-4 endCol-4 valign-bottom border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Fair value approach </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-bottom border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Funeral </td><td class=\"startCol-3 endCol-3 valign-bottom border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Contracts after 1-1-2002 </td><td class=\"startCol-4 endCol-4 valign-bottom border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Full retrospective approach </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-bottom border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Contracts before 1-1-2002 </td><td class=\"startCol-4 endCol-4 valign-bottom border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Fair value approach </td></tr></tbody></table> <br/>\n<div class=\"header header-4\">Modified retrospective approach </div>\n<p>The objective of the modified retrospective approach is to achieve the closest outcome possible to the full retrospective approach using reasonable and supportable information available without undue cost or effort. a.s.r. applies each of the following modifications only to the extent that it did not have reasonable and supportable information to apply IFRS 17 retrospectively. </p>\n<p>Modifications on transition for insurance contracts measured under the GMM: </p><ul><li>\n<p>Some groups of insurance contracts issued before 1 January 2022 contain contracts issued more than one year apart. For these groups, the discount rate at 1 January 2022 was used for subsequent measurement instead of the discount rate on initial recognition. These contracts represent 5.5% of the total insurance contracts liabilities at 1 January 2022. </p></li></ul>\n<p>When the modification above was used to determine the CSM (or the loss component) on initial recognition: </p><ul><li>\n<p>The amount of the CSM recognised in the income statement before 1 January 2022 was determined by comparing the CSM on initial recognition and the remaining CSM at 1 January 2022; and </p></li><li>\n<p>The amount allocated to the loss component before 1 January 2022 was determined using the proportion of the loss component relative to the total estimate of the present value of the future cash outflows plus the risk adjustment for non-financial risk on initial recognition. </p></li></ul>\n<div class=\"header header-4\">Fair value approach </div>\n<p>For certain groups of contracts, the fair value approach was used for identifying and measuring groups of contracts at 1 January 2022. Under the fair value approach, a.s.r. determines the CSM (or loss component) as at 1 January 2022 for a group of insurance contracts based on the difference between the fair value of the group and the fulfilment cash flows. When the fair value approach is used a.s.r. does not apply annual cohorts. For these groups the discount rate at 1 January 2022 is used. When insurance contracts have been acquired that contain only a liability for incurred claims a.s.r. has applied the policy choice to continue this accounting at transition date. These contracts represent 63.9% of the total insurance contracts liabilities at 1 January 2022. </p>\n<div class=\"header header-3\">Non-life insurance contracts </div>\n<p>P&amp;C and Health applied the full retrospective approach. Individual disability and absenteeism insurance applied the fair value approach. Group disability applied the modified retrospective approach. </p>\n<div class=\"header header-3\">Life insurance contracts </div>\n<p>On transition to IFRS 17, a.s.r. applied the full retrospective approach for all Life individual contracts issued or acquired on or after 1 January 2016, for all Pension portfolios acquired after 1 January 2018 and for all funeral contracts issued or acquired on or after 1 January 2002. For all other contracts a.s.r. applies the fair value approach in identifying and measuring groups of contracts. </p>\n<div class=\"header header-3\">Direct participating insurance contracts </div>\n<p>a.s.r. applied the fair value approach for all groups of contracts issued or acquired before 1 January 2022. </p>\n<p>If the calculation resulted in a CSM, then a.s.r. measured the CSM at 1 January 2022. If the calculation resulted in a loss component, then a.s.r. adjusted the loss component to zero, and increased the liability for remaining coverage. In effect the adjustment to zero is incorporated in equity of the opening balance at transition date. </p>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n1286114\"><span class=\"number\">7.3.1.2 </span><span class=\"title-text\">IFRS 9 Financial instruments </span></h1>\n<div class=\"header header-2\">See accounting policy E. </div>\n<div class=\"header header-2\">Classification of financial assets and financial liabilities </div>\n<p>IFRS 9 includes three principal classification categories for financial assets: measured at amortised cost, fair value through other comprehensive income (FVOCI) and fair value through profit or loss (FVTPL). The classification and measurement of financial assets under IFRS 9 is based on a.s.r.\u2019s business models, in which a financial asset is managed, and its contractual cash flow characteristics. In many instances, the classification and measurement under IFRS 9 will be similar to IAS 39, although certain differences will arise. The classification of financial liabilities remains unchanged. Derivatives embedded in contracts for which the host is a financial asset in scope of IFRS 9 are not separated. Instead the hybrid financial instrument as a whole is assessed for classification which is in line with a.s.r.\u2019s previous classification under IAS 39. </p>\n<div class=\"header header-2\">Impairment of financial assets </div>\n<p>The recognition and measurement of impairments under IFRS 9 is intended to be more forward looking than under IAS 39. The new impairment requirement will apply to all financial assets that are debt instruments and are measured at amortised cost or at fair value through other comprehensive income. Initially, a provision is required for expected credit losses (ECL) resulting from default events that are expected within the next twelve months. In the event of a significant increase in credit risk, a provision is required for ECL resulting from all possible default events over the expected life of the financial asset. For trade receivables that do not contain a significant financing component, the loss allowance should be measured at initial recognition and throughout the life of the receivable at an amount equal to lifetime ECL (simplified approach). Under IFRS 9, credit losses are recognised earlier than under IAS 39. For a.s.r. only other financial assets were in scope of the impairment requirement at transition date, for which a.s.r. applies the simplified approach. </p>\n<div class=\"header header-2\">Hedge accounting </div>\n<p>The hedge accounting requirements of IFRS 9 introduce a new general hedge accounting model. At first application of IFRS 9 a.s.r. decided not to apply hedge accounting in relation to its insurance business. </p>\n<div class=\"header header-2\">Transition </div>\n<p>Changes in accounting policies resulting from the adoption of IFRS 9 have been applied retrospectively, except the following assessments have been made based on the facts and circumstances that existed at 1 January 2023: </p><ul><li>\n<p>The determination of the business models within which certain financial assets are held. </p></li><li>\n<p>The designation and revocation of previous designations of certain financial assets as measured at FVTPL. </p></li><li>\n<p>In line with Solvency II reporting a.s.r. accounts for debt instruments at their \u201cdirty\u201d fair value, thus including any related accrued interest. </p></li></ul>\n<p>Details of the changes and implications resulting from the adoption of IFRS 9 are presented in <a href=\"#n1286138\" title=\"Financial impact of changes in accounting policies and changes in presentation\">chapter 7.3.1.3</a> and <a href=\"#n1286160\" title=\"Transition to IFRS 9\">chapter 7.3.1.4</a> below. </p>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n1286138\"><span class=\"number\">7.3.1.3 </span><span class=\"title-text\">Financial impact of changes in accounting policies and changes in presentation </span></h1>\n<p>Below, the reconciliation of the 2022 opening and closing consolidated balance sheet is disclosed to account for the impact of IFRS 17 and IFRS 9. </p>\n<div class=\"tanPageBreak newPage\"> </div>\n<h3 class=\"table-title\">Reconciliation of the consolidated balance sheet 31 December 2022 </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:auto;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:middle;\">(in \u20ac\u00a0millions) </th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>31 December 2022 </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Reclassification </b></th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Remeasurement IFRS9 </b></th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Remeasurement IFRS17 </b></th><th class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Restated <br/>31 December 2022 </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Intangible assets </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">418 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">-96 </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">322 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Property, plant and equipment </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1\" style=\"text-align:right;vertical-align:middle;\">679 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">679 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Investment property </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1\" style=\"text-align:right;vertical-align:middle;\">664 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">664 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Associates and joint ventures at equity method </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1\" style=\"text-align:right;vertical-align:middle;\">79 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">79 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Investments </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1\" style=\"text-align:right;vertical-align:middle;\">25,640 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">16,726 </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">-1,289 </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">41,077 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Investments on behalf of policyholders </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1\" style=\"text-align:right;vertical-align:middle;\">9,912 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">-9,912 </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Investments related to direct participating contracts </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">9,912 </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">9,912 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Investments related to investment contracts </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1\" style=\"text-align:right;vertical-align:middle;\">2,000 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">-2,000 </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Loans and receivables </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1\" style=\"text-align:right;vertical-align:middle;\">17,171 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">-17,171 </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Derivatives </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1\" style=\"text-align:right;vertical-align:middle;\">5,428 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">334 </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">5,761 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Deferred tax assets </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1\" style=\"text-align:right;vertical-align:middle;\">119 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">332 </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">-134 </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">318 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Reinsurance contracts </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1\" style=\"text-align:right;vertical-align:middle;\">357 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">-357 </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Reinsurance contract assets </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">418 </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">-37 </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">381 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Other assets </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1\" style=\"text-align:right;vertical-align:middle;\">828 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">-368 </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">460 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Cash and cash equivalents </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">2,245 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-bottom-1 border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">1 </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-bottom-1 border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-bottom-1 border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-bottom-1 border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">2,246 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total assets </b></td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>65,539 </b></td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>-2,417 </b></td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>-956 </b></td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>-267 </b></td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>61,899 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Share capital </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1\" style=\"text-align:right;vertical-align:middle;\">24 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">24 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Share premium reserve </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1\" style=\"text-align:right;vertical-align:middle;\">1,533 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">1,533 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Unrealised gains and losses </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1\" style=\"text-align:right;vertical-align:middle;\">-922 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">1,187 </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">266 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Actuarial gains and losses </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1\" style=\"text-align:right;vertical-align:middle;\">-168 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">-168 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Retained earnings </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1\" style=\"text-align:right;vertical-align:middle;\">5,333 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">-1,185 </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">-956 </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">377 </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">3,569 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Treasury shares </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">-79 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-bottom-1 border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-bottom-1 border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-bottom-1 border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-bottom-1 border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">-79 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Equity attributable to shareholders </b></td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>5,722 </b></td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>3 </b></td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>-956 </b></td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>377 </b></td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>5,146 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Other equity instruments </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">1,004 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-bottom-1 border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-bottom-1 border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-bottom-1 border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-bottom-1 border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">1,004 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Equity attributable to holders of equity instruments </b></td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>6,726 </b></td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>3 </b></td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>-956 </b></td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>377 </b></td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>6,150 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Non-controlling interests </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">27 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-bottom-1 border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-bottom-1 border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-bottom-1 border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-bottom-1 border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">27 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total equity </b></td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>6,753 </b></td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>3 </b></td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>-956 </b></td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>377 </b></td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>6,177 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Subordinated liabilities </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1\" style=\"text-align:right;vertical-align:middle;\">1,980 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">26 </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">2,005 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Liabilities arising from insurance contracts </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1\" style=\"text-align:right;vertical-align:middle;\">29,633 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">-29,633 </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Liabilities arising from insurance contracts on behalf of policyholders </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1\" style=\"text-align:right;vertical-align:middle;\">13,007 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">-13,007 </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Insurance contract liabilities </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">32,150 </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">-509 </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">31,640 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Liabilities arising from direct participating insurance contracts </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">10,598 </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">-135 </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">10,463 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Liabilities arising from investment contracts </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1\" style=\"text-align:right;vertical-align:middle;\">2,000 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">-2,000 </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Employee benefits </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1\" style=\"text-align:right;vertical-align:middle;\">2,742 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">2,742 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Provisions </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1\" style=\"text-align:right;vertical-align:middle;\">18 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">18 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Borrowings </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1\" style=\"text-align:right;vertical-align:middle;\">214 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">-26 </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">188 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Derivatives </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1\" style=\"text-align:right;vertical-align:middle;\">5,523 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">159 </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">5,681 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Due to customers </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1\" style=\"text-align:right;vertical-align:middle;\">471 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">-471 </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Due to banks </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1\" style=\"text-align:right;vertical-align:middle;\">2,262 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">2 </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">2,264 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Other liabilities </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">938 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-bottom-1 border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">-217 </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-bottom-1 border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-bottom-1 border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-bottom-1 border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">721 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total liabilities </b></td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>58,787 </b></td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>-2,420 </b></td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\"><b>- </b></td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>-644 </b></td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>55,723 </b></td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total equity and liabilities </b></td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>65,539 </b></td><td class=\"startCol-3 endCol-3 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>-2,417 </b></td><td class=\"startCol-4 endCol-4 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>-956 </b></td><td class=\"startCol-5 endCol-5 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>-267 </b></td><td class=\"startCol-6 endCol-6 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>61,899 </b></td></tr></tbody></table> <br/>\n<div class=\"tanPageBreak newPage\"> </div>\n<h3 class=\"table-title\">Reconciliation of the consolidated balance sheet 1 January 2022 </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:auto;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:middle;\">(in \u20ac\u00a0millions) </th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>31 December 2021 </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Reclassification </b></th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Remeasurement IFRS9 </b></th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Remeasurement IFRS17 </b></th><th class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Restated <br/>1 January 2022 </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Intangible assets </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">428 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">-119 </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">310 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Property, plant and equipment </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1\" style=\"text-align:right;vertical-align:middle;\">556 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">556 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Investment property </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1\" style=\"text-align:right;vertical-align:middle;\">2,052 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">2,052 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Associates and joint ventures at equity method </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1\" style=\"text-align:right;vertical-align:middle;\">102 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">102 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Investments </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1\" style=\"text-align:right;vertical-align:middle;\">33,550 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">14,602 </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">1,458 </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">49,609 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Investments on behalf of policyholders </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1\" style=\"text-align:right;vertical-align:middle;\">11,574 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">-11,574 </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Investments related to direct participating contracts </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">11,574 </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">11,574 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Investments related to investment contracts </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1\" style=\"text-align:right;vertical-align:middle;\">1,952 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">-1,952 </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Loans and receivables </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1\" style=\"text-align:right;vertical-align:middle;\">15,259 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">-15,259 </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Derivatives </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1\" style=\"text-align:right;vertical-align:middle;\">6,212 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">229 </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">6,441 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Reinsurance contracts </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1\" style=\"text-align:right;vertical-align:middle;\">417 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">-417 </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Reinsurance contract assets </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">488 </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">34 </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">522 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Other assets </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1\" style=\"text-align:right;vertical-align:middle;\">631 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">-71 </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">560 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Cash and cash equivalents </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">2,306 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-bottom-1 border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">-1 </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-bottom-1 border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-bottom-1 border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-bottom-1 border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">2,305 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total assets </b></td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>75,040 </b></td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>-2,382 </b></td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>1,458 </b></td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>-85 </b></td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>74,032 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Share capital </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1\" style=\"text-align:right;vertical-align:middle;\">22 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">22 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Share premium reserve </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1\" style=\"text-align:right;vertical-align:middle;\">956 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">956 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Unrealised gains and losses </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1\" style=\"text-align:right;vertical-align:middle;\">1,461 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">-745 </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">717 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Actuarial gains and losses </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1\" style=\"text-align:right;vertical-align:middle;\">-1,055 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">-1,055 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Retained earnings </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1\" style=\"text-align:right;vertical-align:middle;\">5,061 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">742 </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">1,082 </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">-1,271 </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">5,613 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Treasury shares </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">-83 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-bottom-1 border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-bottom-1 border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-bottom-1 border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-bottom-1 border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">-83 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Equity attributable to shareholders </b></td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>6,363 </b></td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>-3 </b></td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>1,082 </b></td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>-1,271 </b></td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>6,170 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Other equity instruments </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">1,004 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-bottom-1 border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-bottom-1 border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-bottom-1 border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-bottom-1 border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">1,004 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Equity attributable to holders of equity instruments </b></td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>7,367 </b></td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>-3 </b></td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>1,082 </b></td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>-1,271 </b></td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>7,174 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Non-controlling interests </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">18 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-bottom-1 border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-bottom-1 border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-bottom-1 border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-bottom-1 border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">18 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total equity </b></td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>7,385 </b></td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>-3 </b></td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>1,082 </b></td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>-1,271 </b></td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>7,192 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Subordinated liabilities </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1\" style=\"text-align:right;vertical-align:middle;\">992 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">18 </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">1,010 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Liabilities arising from insurance contracts </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1\" style=\"text-align:right;vertical-align:middle;\">37,797 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">-37,797 </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Liabilities arising from insurance contracts on behalf of policyholders </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1\" style=\"text-align:right;vertical-align:middle;\">14,566 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">-14,566 </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Insurance contract liabilities </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">40,383 </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">1,615 </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">41,998 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Liabilities arising from direct participating insurance contracts </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">12,160 </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">15 </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">12,175 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Liabilities arising from investment contracts </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1\" style=\"text-align:right;vertical-align:middle;\">1,952 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">-1,952 </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Employee benefits </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1\" style=\"text-align:right;vertical-align:middle;\">4,013 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">4,013 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Provisions </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1\" style=\"text-align:right;vertical-align:middle;\">24 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">24 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Borrowings </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1\" style=\"text-align:right;vertical-align:middle;\">192 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">-26 </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">165 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Deferred tax liabilities </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1\" style=\"text-align:right;vertical-align:middle;\">69 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">376 </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">-443 </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">3 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Derivatives </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1\" style=\"text-align:right;vertical-align:middle;\">759 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">73 </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">832 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Due to customers </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1\" style=\"text-align:right;vertical-align:middle;\">573 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">-573 </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Due to banks </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1\" style=\"text-align:right;vertical-align:middle;\">5,741 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">5,741 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Other liabilities </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">976 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-bottom-1 border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">-98 </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-bottom-1 border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-bottom-1 border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-bottom-1 border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">878 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total liabilities </b></td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>67,655 </b></td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>-2,379 </b></td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>376 </b></td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>1,187 </b></td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>66,839 </b></td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total equity and liabilities </b></td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>75,040 </b></td><td class=\"startCol-3 endCol-3 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>-2,382 </b></td><td class=\"startCol-4 endCol-4 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>1,458 </b></td><td class=\"startCol-5 endCol-5 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>-85 </b></td><td class=\"startCol-6 endCol-6 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>74,032 </b></td></tr></tbody></table> <br/>\n<p>The adoption of IFRS 9 and 17 has had the following impact on a.s.r.\u2019s basic and diluted earnings per ordinary share for the year ended 31 December 2022: </p><ul><li>\n<p>For basic earnings per share, a decrease of \u20ac\u00a017.83; and </p></li><li>\n<p>For diluted earnings per share, a decrease of \u20ac\u00a015.39. </p></li></ul>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n1286160\"><span class=\"number\">7.3.1.4 </span><span class=\"title-text\">Transition to IFRS 9 </span></h1>\n<p>The following table contains the original measurement category and carrying amount under IAS 39 and the new measurement category and carrying amount under IFRS 9 for each class of financial assets and financial liabilities as at 1 January 2023. Also included are the reclasses related to amongst others the 'dirty' fair value. See accounting policy <a href=\"#n1286373\" title=\"E. Financial assets and financial liabilities\">E</a>. </p>\n<h3 class=\"table-title\">Original measurement category and carrying amount under IAS 39 and the new measurement category and carrying amount under IFRS 9 as at 1 January 2023 </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:0%;\"/><col style=\"width:20%;\"/><col style=\"width:20%;\"/><col style=\"width:12%;\"/><col style=\"width:12%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;\"><b>(in \u20ac\u00a0millions) </b></th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Original classification under IAS 39 </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>New classification under IFRS 9 </b></th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Original carrying amount </b></th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>New carrying amount </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Financial assets </b></td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Investments </b></td><td class=\"startCol-2 endCol-2 valign-top border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Investments - transferred under repurchase agreements </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Government bonds </td><td class=\"startCol-2 endCol-2 valign-bottom align-left border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Available for sale </td><td class=\"startCol-3 endCol-3 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">FVTPL (mandatory) </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">432 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">437 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Investments - own risk </b></td><td class=\"startCol-2 endCol-2 valign-top border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Real estate equity funds </td><td class=\"startCol-2 endCol-2 valign-bottom align-left border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:bottom;\">FVTPL </td><td class=\"startCol-3 endCol-3 valign-bottom align-left border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\">FVTPL (mandatory) </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1\" style=\"text-align:right;vertical-align:bottom;\">4,105 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1\" style=\"text-align:right;vertical-align:bottom;\">4,092 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Mortgage equity funds </td><td class=\"startCol-2 endCol-2 valign-bottom align-left border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">FVTPL </td><td class=\"startCol-3 endCol-3 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">FVTPL (mandatory) </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">684 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">705 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Mortgage equity funds </td><td class=\"startCol-2 endCol-2 valign-bottom align-left border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Available for sale </td><td class=\"startCol-3 endCol-3 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">FVTPL (mandatory) </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">303 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">303 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Government bonds </td><td class=\"startCol-2 endCol-2 valign-bottom align-left border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Available for sale </td><td class=\"startCol-3 endCol-3 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">FVTPL (mandatory) </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">8,794 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">8,872 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Corporate bonds </td><td class=\"startCol-2 endCol-2 valign-bottom align-left border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Available for sale </td><td class=\"startCol-3 endCol-3 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">FVTPL (mandatory) </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">7,188 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">7,272 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Asset-backed securities </td><td class=\"startCol-2 endCol-2 valign-bottom align-left border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Available for sale </td><td class=\"startCol-3 endCol-3 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">FVTPL (mandatory) </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">416 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">413 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Preference shares </td><td class=\"startCol-2 endCol-2 valign-bottom align-left border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Available for sale </td><td class=\"startCol-3 endCol-3 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">FVOCI </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">289 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">297 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Other investment funds </td><td class=\"startCol-2 endCol-2 valign-bottom align-left border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Available for sale </td><td class=\"startCol-3 endCol-3 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">FVTPL (mandatory) </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,596 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,588 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Other investment funds </td><td class=\"startCol-2 endCol-2 valign-bottom align-left border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">FVTPL </td><td class=\"startCol-3 endCol-3 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">FVTPL (mandatory) </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">16 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">16 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Equities </td><td class=\"startCol-2 endCol-2 valign-bottom align-left border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Available for sale </td><td class=\"startCol-3 endCol-3 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">FVOCI </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,743 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,743 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Equities </td><td class=\"startCol-2 endCol-2 valign-bottom align-left border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">FVTPL </td><td class=\"startCol-3 endCol-3 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">FVTPL </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">67 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">67 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Other participating contracts </td><td class=\"startCol-2 endCol-2 valign-bottom align-left border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Available for sale </td><td class=\"startCol-3 endCol-3 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">FVOCI </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">6 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">6 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Government and public sector loans </td><td class=\"startCol-2 endCol-2 valign-bottom align-left border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Amortised Cost </td><td class=\"startCol-3 endCol-3 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">FVTPL (mandatory) </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">221 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">227 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Mortgage loans </td><td class=\"startCol-2 endCol-2 valign-bottom align-left border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Amortised Cost </td><td class=\"startCol-3 endCol-3 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">FVTPL (mandatory) </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">10,366 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">9,074 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Loans to credit institutions </td><td class=\"startCol-2 endCol-2 valign-bottom align-left border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Amortised Cost </td><td class=\"startCol-3 endCol-3 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">FVTPL (mandatory) </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2,627 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2,644 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Other investments </td><td class=\"startCol-2 endCol-2 valign-bottom align-left border-left-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Amortised Cost </td><td class=\"startCol-3 endCol-3 valign-bottom align-left border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">FVTPL (mandatory) </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">3,352 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">3,320 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>42,206 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>41,077 </b></td></tr></tbody></table> <br/>\n<h3 class=\"table-title\">Original measurement category and carrying amount under IAS 39 and the new measurement category and carrying amount under IFRS 9 as at 1 January 2023 </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:0%;\"/><col style=\"width:20%;\"/><col style=\"width:20%;\"/><col style=\"width:12%;\"/><col style=\"width:12%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;\"><b>(in \u20ac\u00a0millions) </b></th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Original classification under IAS 39 </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>New classification under IFRS 9 </b></th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Original carrying amount </b></th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>New carrying amount </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Investments related to direct participating insurance contracts </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Real estate equity funds </td><td class=\"startCol-2 endCol-2 valign-bottom align-left border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">FVTPL </td><td class=\"startCol-3 endCol-3 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">FVTPL (mandatory) </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">170 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">170 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Mortgage equity funds </td><td class=\"startCol-2 endCol-2 valign-bottom align-left border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">FVTPL </td><td class=\"startCol-3 endCol-3 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">FVTPL (mandatory) </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">252 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">252 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Government bonds </td><td class=\"startCol-2 endCol-2 valign-bottom align-left border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">FVTPL </td><td class=\"startCol-3 endCol-3 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">FVTPL (mandatory) </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,526 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,543 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Corporate bonds </td><td class=\"startCol-2 endCol-2 valign-bottom align-left border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">FVTPL </td><td class=\"startCol-3 endCol-3 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">FVTPL (mandatory) </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,386 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,386 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Equities </td><td class=\"startCol-2 endCol-2 valign-bottom align-left border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">FVTPL </td><td class=\"startCol-3 endCol-3 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">FVTPL (mandatory) </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">6,504 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">6,486 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Other investments </td><td class=\"startCol-2 endCol-2 valign-bottom align-left border-left-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">FVTPL </td><td class=\"startCol-3 endCol-3 valign-bottom align-left border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">FVTPL (mandatory) </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">75 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">76 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>9,912 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>9,912 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Investments related to investment contracts </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Real estate equity funds </td><td class=\"startCol-2 endCol-2 valign-bottom align-left border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">FVTPL </td><td class=\"startCol-3 endCol-3 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Not applicable </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">97 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Government bonds </td><td class=\"startCol-2 endCol-2 valign-bottom align-left border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">FVTPL </td><td class=\"startCol-3 endCol-3 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Not applicable </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">261 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Corporate bonds </td><td class=\"startCol-2 endCol-2 valign-bottom align-left border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">FVTPL </td><td class=\"startCol-3 endCol-3 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Not applicable </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">149 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Equities </td><td class=\"startCol-2 endCol-2 valign-bottom align-left border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">FVTPL </td><td class=\"startCol-3 endCol-3 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Not applicable </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,449 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Other investments </td><td class=\"startCol-2 endCol-2 valign-bottom align-left border-left-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">FVTPL </td><td class=\"startCol-3 endCol-3 valign-bottom align-left border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Not applicable </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">44 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>2,000 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Derivatives assets </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-left border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:bottom;\">FVTPL </td><td class=\"startCol-3 endCol-3 valign-bottom align-left border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\">FVTPL (mandatory) </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1\" style=\"text-align:right;vertical-align:bottom;\">5,428 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1\" style=\"text-align:right;vertical-align:bottom;\">5,761 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Other financial assets </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-left border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:bottom;\">Amortised Cost </td><td class=\"startCol-3 endCol-3 valign-bottom align-left border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\">Amortised Cost </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1\" style=\"text-align:right;vertical-align:bottom;\">669 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1\" style=\"text-align:right;vertical-align:bottom;\">247 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Cash and cash equivalents </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-left border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:bottom;\">FVTPL </td><td class=\"startCol-3 endCol-3 valign-bottom align-left border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\">FVTPL (mandatory) </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1\" style=\"text-align:right;vertical-align:bottom;\">2,245 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1\" style=\"text-align:right;vertical-align:bottom;\">2,246 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total financial assets </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>62,459 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>59,243 </b></td></tr></tbody></table> <br/>\n<h3 class=\"table-title\">Original measurement category and carrying amount under IAS 39 and the new measurement category and carrying amount under IFRS 9 as at 1 January 2023 </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:0%;\"/><col style=\"width:20%;\"/><col style=\"width:20%;\"/><col style=\"width:12%;\"/><col style=\"width:12%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;\"><b>(in \u20ac\u00a0millions) </b></th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Original classification under IAS 39 </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>New classification under IFRS 9 </b></th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Original carrying amount </b></th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>New carrying amount </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Financial liabilities </b></td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Subordinated liabilities </td><td class=\"startCol-2 endCol-2 valign-bottom align-left border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Amortised cost </td><td class=\"startCol-3 endCol-3 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Amortised cost </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,980 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2,005 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Liabilities arising from investment contracts </td><td class=\"startCol-2 endCol-2 valign-bottom align-left border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">FVTPL </td><td class=\"startCol-3 endCol-3 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Not applicable </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2,000 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Borrowings (excluding lease liabilities) </td><td class=\"startCol-2 endCol-2 valign-bottom align-left border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Amortised cost </td><td class=\"startCol-3 endCol-3 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Amortised cost </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">152 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">126 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Due to customers </td><td class=\"startCol-2 endCol-2 valign-bottom align-left border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Amortised cost </td><td class=\"startCol-3 endCol-3 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Not applicable </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">471 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Derivatives liabilities </td><td class=\"startCol-2 endCol-2 valign-bottom align-left border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">FVTPL </td><td class=\"startCol-3 endCol-3 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">FVTPL (mandatory) </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">5,523 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">5,681 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Due to banks </td><td class=\"startCol-2 endCol-2 valign-bottom align-left border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Amortised cost </td><td class=\"startCol-3 endCol-3 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Amortised cost </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2,262 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2,264 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Other financial liabilities </td><td class=\"startCol-2 endCol-2 valign-bottom align-left border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Amortised cost </td><td class=\"startCol-3 endCol-3 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Amortised cost </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">200 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">55 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total financial liabilities </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>12,588 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>10,132 </b></td></tr></tbody></table> <br/>\n<h3 class=\"table-title\">Reconciliation of the carrying amount of financial assets under IAS 39 to IFRS 9 on 1 January 2023 - FVTPL </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:0%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;\"><b>FVTPL </b></th><th class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:middle;\"><b>31 December 2022 (IAS 39) </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Reclassification </b></th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Remeasurement </b></th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>1 January 2023 (IFRS 9) </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\"><b>Investments - transferred under repurchase agreements </b></td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:middle;\"><b>Government bonds </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">brought forward </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">reclassified from available for sale </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">432 </td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">reclassified from other assets </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">5 </td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">carried forward </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">437 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-left-1 border-right-1\" style=\"text-align:left;vertical-align:middle;\"><b>Investments - own risk </b></td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:middle;\"><b>Real estate equity funds </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">brought forward </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">4,105 </td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">remeasurement </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">-14 </td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">carried forward </td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">4,092 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:middle;\"><b>Mortgage equity funds </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">brought forward </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">684 </td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">reclassified from available for sale </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">303 </td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">remeasurement </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">21 </td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">carried forward </td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,008 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:middle;\"><b>Government bonds </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">brought forward </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">reclassified from available for sale </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">8,794 </td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">reclassified from other assets </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">77 </td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">carried forward </td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">8,872 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:middle;\"><b>Corporate bonds </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">brought forward </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">reclassified from available for sale </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">7,188 </td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">reclassified from other assets </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">85 </td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">carried forward </td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">7,272 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:middle;\"><b>Asset-backed securities </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">brought forward </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">reclassified from available for sale </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">416 </td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">reclassified from other assets </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2 </td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">remeasurement </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">-4 </td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">carried forward </td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">413 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:middle;\"><b>Other investment funds </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">brought forward </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">16 </td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">reclassified from available for sale </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,596 </td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">remeasurement </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">-7 </td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">carried forward </td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,605 </td></tr></tbody></table> <br/>\n<h3 class=\"table-title\">Reconciliation of the carrying amount of financial assets under IAS 39 to IFRS 9 on 1 January 2023 - FVTPL </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:0%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;\"><b>FVTPL </b></th><th class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:middle;\"><b>31 December 2022 (IAS 39) </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Reclassification </b></th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Remeasurement </b></th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>1 January 2023 (IFRS 9) </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\"><b>Equities </b></td><td class=\"startCol-2 endCol-2 valign-middle align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">67 </td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">67 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:middle;\"><b>Government and public sector loans </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">brought forward </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">reclassified from loans and receivables </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">221 </td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">reclassified from other assets </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2 </td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">remeasurement </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">4 </td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">carried forward </td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">227 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:middle;\"><b>Mortgage loans </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">brought forward </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">reclassified from loans and receivables </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">10,366 </td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">reclassified from other assets </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">22 </td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">remeasurement </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">-1,314 </td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">carried forward </td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">9,074 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:middle;\"><b>Loans to credit institutions </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">brought forward </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">reclassified from loans and receivables </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2,601 </td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">reclassified from other assets </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">3 </td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">reclassified to investments related to investment contracts </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-27 </td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">remeasurement </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">67 </td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">carried forward </td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2,644 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:middle;\"><b>Other investments </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">brought forward </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">reclassified from loans and receivables </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">3,352 </td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">reclassified from other assets </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">10 </td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">remeasurement </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">-42 </td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">carried forward </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">3,320 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:middle;\"><b>Investments related to direct participating insurance contracts </b></td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">9,912 </td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1\" style=\"text-align:right;vertical-align:bottom;\">9,912 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:middle;\"><b>Investments related to investment contracts </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">brought forward </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">2,000 </td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">reclassified from loans and receivables </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">27 </td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">reclassified from liabilities arising from investment contracts </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-2,027 </td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">carried forward </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:middle;\"><b>Derivatives assets </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">brought forward </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">5,428 </td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">reclassified from other assets </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">334 </td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">carried forward </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">5,761 </td></tr></tbody></table> <br/>\n<h3 class=\"table-title\">Reconciliation of the carrying amount of financial assets under IAS 39 to IFRS 9 on 1 January 2023 - FVTPL </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:auto;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;\"><b>FVTPL </b></th><th class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:middle;\"><b>31 December 2022 (IAS 39) </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Reclassification </b></th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Remeasurement </b></th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>1 January 2023 (IFRS 9) </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\"><b>Cash and cash equivalents </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">brought forward </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">2,245 </td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">reclassified from other assets </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1 </td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">carried forward </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2,246 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total FVTPL </b></td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>24,457 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>33,781 </b></td><td class=\"startCol-4 endCol-4 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>-1,289 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>56,950 </b></td></tr></tbody></table> <br/>\n<h3 class=\"table-title\">Reconciliation of the carrying amount of financial assets under IAS 39 to IFRS 9 on 1 January 2023 \u2013 FVOCI </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:0%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;\"><b>FVOCI </b></th><th class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:middle;\"><b>31 December 2022 (IAS 39) </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Reclassification </b></th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Remeasurement </b></th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>1 January 2023 (IFRS 9) </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\"><b>Investments </b></td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:middle;\"><b>Equities </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">brought forward </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">reclassified from available for sale </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,743 </td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">carried forward </td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,743 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:middle;\"><b>Preference shares </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">brought forward </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">reclassified from available for sale </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">289 </td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">reclassified from other assets </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">8 </td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">carried forward </td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">297 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:middle;\"><b>Other participating contracts </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">brought forward </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">reclassified from available for sale </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">6 </td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">carried forward </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">6 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total FVOCI </b></td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\"><b>- </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>2,046 </b></td><td class=\"startCol-4 endCol-4 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\"><b>- </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>2,046 </b></td></tr></tbody></table> <br/>\n<h3 class=\"table-title\">Reconciliation of the carrying amount of financial assets under IAS 39 to IFRS 9 on 1 January 2023 - Available for sale </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:0%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;\"><b>Available for sale </b></th><th class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:middle;\"><b>31 December 2022 (IAS 39) </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Reclassification </b></th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Remeasurement </b></th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>1 January 2023 (IFRS 9) </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\"><b>Investments </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">brought forward </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">20,767 </td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">reclassified to FVTPL </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-18,728 </td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">reclassified to FVOCI </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-2,038 </td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">carried forward </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total available for sale </b></td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>20,767 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-20,767 </b></td><td class=\"startCol-4 endCol-4 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\"><b>- </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td></tr></tbody></table> <br/>\n<h3 class=\"table-title\">Reconciliation of the carrying amount of financial assets under IAS 39 to IFRS 9 on 1 January 2023 \u2013 Amortised cost </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:auto;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;\"><b>Amortised cost </b></th><th class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:middle;\"><b>31 December 2022 (IAS 39) </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Reclassification </b></th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Remeasurement </b></th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>1 January 2023 (IFRS 9) </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\"><b>Loans and receivables </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">brought forward </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">17,171 </td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">reclassified to investments </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-16,513 </td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">reclassified to investments related to investment contracts </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-27 </td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">reclassified to other assets </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-245 </td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">reclassified to insurance contract liabilities </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-323 </td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">reclassified to reinsurance contract assets </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-63 </td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">carried forward </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Other financial assets </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">brought forward </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">669 </td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">reclassified from loans and receivables </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">245 </td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">reclassified to investments </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-219 </td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">reclassified to derivatives assets </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-336 </td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">reclassified to insurance contract liabilities </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-50 </td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">reclassified to other non-financial assets </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-64 </td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">carried forward </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">247 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total amortised cost </b></td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>17,840 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-17,593 </b></td><td class=\"startCol-4 endCol-4 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\"><b>- </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>247 </b></td></tr></tbody></table> <br/>\n<h3 class=\"table-title\">Reconciliation of the carrying amount of financial liabilities under IAS 39 to IFRS 9 on 1 January 2023 - FVTPL </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:auto;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;\"><b>FVTPL </b></th><th class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:middle;\"><b>31 December 2022 (IAS 39) </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Reclassification </b></th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Remeasurement </b></th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>1 January 2023 (IFRS 9) </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\"><b>Liabilities arising from investment contracts </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">brought forward </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">2,000 </td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">reclassified from due to customers </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">27 </td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">reclassified to investments related to investment contracts </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-2,027 </td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">carried forward </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:middle;\"><b>Derivatives liabilities </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">brought forward </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">5,523 </td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">reclassified from other financial liabilities </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">159 </td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">carried forward </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">5,681 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total FVTPL </b></td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>7,523 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-1,842 </b></td><td class=\"startCol-4 endCol-4 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\"><b>- </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>5,681 </b></td></tr></tbody></table> <br/>\n<h3 class=\"table-title\">Reconciliation of the carrying amount of financial liabilities under IAS 39 to IFRS 9 on 1 January 2023 - Amortised cost </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:auto;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;\"><b>Amortised cost </b></th><th class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:middle;\"><b>31 December 2022 (IAS 39) </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Reclassification </b></th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Remeasurement </b></th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>1 January 2023 (IFRS 9) </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\"><b>Subordinated liabilities </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">brought forward </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">1,980 </td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">reclassified from other financial liabilities </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">25 </td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">carried forward </td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2,005 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-left-1 border-right-1\" style=\"text-align:left;vertical-align:middle;\"><b>Borrowings (excluding lease liabilities) </b></td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-left-1 border-right-1\" style=\"text-align:left;vertical-align:middle;\">brought forward </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">152 </td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-left-1 border-right-1\" style=\"text-align:left;vertical-align:middle;\">reclassified to other financial liabilities </td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:bottom;\">-26 </td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-left-1 border-right-1\" style=\"text-align:left;vertical-align:middle;\">carried forward </td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:bottom;\">126 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:middle;\"><b>Due to customers </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">brought forward </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">471 </td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">reclassified to reinsurance contract assets </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-2 </td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">reclassified to insurance contract liabilities </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-278 </td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">reclassified to liabilities arising from direct participating insurance contracts </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-103 </td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">reclassified to liabilities arising from investment contracts </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-27 </td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">reclassified to other liabilities </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-61 </td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">carried forward </td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:middle;\"><b>Due to banks </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">brought forward </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">2,262 </td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">reclassified from other financial liabilities </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2 </td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">carried forward </td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2,264 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:middle;\"><b>Other financial liabilities </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">brought forward </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">200 </td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">reclassified to insurance contract liabilities </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-10 </td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">reclassified to subordinated liabilities </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-26 </td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">reclassified to derivatives liabilities </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-160 </td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">reclassified to due to banks </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-2 </td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">reclassified from due to customers </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">27 </td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">reclassified from borrowings </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">26 </td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">carried forward </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">55 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total amortised cost </b></td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>5,065 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-614 </b></td><td class=\"startCol-4 endCol-4 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\"><b>- </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>4,450 </b></td></tr></tbody></table> <br/>\n<p>The following table contains the reconciliation of the closing impairment allowance in accordance with IAS 39 as at 31 December 2022 with the opening loss allowance determined in accordance with IFRS 9 as at 1 January 2023. </p>\n<h3 class=\"table-title\">Reconciliation of the closing impairment allowance in accordance with IAS 39 as at 31 December 2022 with the opening loss allowance determined in accordance with IFRS 9 as at 1 January 2023 </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:auto;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;\"><b>Impairment of financial assets </b></th><th class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:middle;\"><b>31 December 2022 (IAS 39) </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Reclassification </b></th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Remeasurement </b></th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>1 January 2023 (IFRS 9) </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">Investments at FVTPL from available for sale </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">-227 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">227 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">Equities and similar investments at FVOCI from available for sale </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">-147 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">147 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">Loans and receivables </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">-71 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">27 </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">44 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">Other assets </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-4 </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-4 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total loss allowance </b></td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>-445 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>24 </b></td><td class=\"startCol-4 endCol-4 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>418 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-4 </b></td></tr></tbody></table> <br/>\n<h1 class=\"S_PARAGRAPH\" id=\"n1286208\"><span class=\"number\">7.3.2 </span><span class=\"title-text\">Other changes in presentations </span></h1>\n<p>The current presentation differs from last year\u2019s presentation in some aspects besides IFRS 17 and IFRS 9. Where applicable, in accordance with IFRS, comparative figures have been included in the new presentation format, including related disclosures, to ensure comparability. These changes in presentation have no impact on net result nor equity. </p>\n<p>In accordance with IFRS10 \u201cConsolidated financial statements\u201d definition of control and prompted by the acquisition of Aegon NL, a.s.r. has adopted a change in presentation and as such will no longer consolidate the fund investment contracts and related liabilities of the institution for occupational retirement provision (IORP) entities onto the statement of financial position. The adoption of this policy has no impact on a.s.r.\u2019s past or future financial position, financial performance, or cash flows. The comparative figures have been restated accordingly. </p>\n<h1 class=\"S_PARAGRAPH\" id=\"n1286230\"><span class=\"number\">7.3.3 </span><span class=\"title-text\">Upcoming changes in published IFRS standards and interpretations, not yet effective in 2023 </span></h1>\n<div class=\"header header-2\">International Tax Reform \u2013 Pillar II Model rules (Amendments to IAS 12) </div>\n<p>The EU Directive Pillar Two (which is implemented in the Netherlands as the \u201cWet minimumbelasting\u201d, and is effective for accounting periods beginning on or after 1 January 2024) apply to multinational enterprises and large scale domestic groups that have consolidated revenues (which, as defined by the OECD, include any form of income and are therefore not limited to revenue recognised in accordance with IFRS 15) of \u20ac\u00a0750 million in at least two out of the last four years.\u00a0a.s.r. operates in the Netherlands as a large scale domestic group and expects to be subject to the top-up tax in relation to its operations in the Netherlands, where the statutory tax rate is 25.8%. If the top-up tax had applied in 2023, the profits relating to a.s.r.\u2019s operations in the Netherlands for the year ended 31 December 2023 would not be subject to it, as the average effective tax rate applicable to these profits exceeds the 15% minimum effective tax rate. </p>\n<p>a.s.r. has determined that the top-up tax (which it is required to pay under the Wet minimumbelasting),\u00a0the relief from deferred tax accounting for Pillar II, is an income tax in the scope of IAS 12. a.s.r. has applied the temporary mandatory relief from deferred tax accounting for the impacts of the top-up tax and accounts for it as a current tax when it is incurred. </p>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfChangesInAccountingPoliciesAccountingEstimatesAndErrorsExplanatory",
    "language": "en",
    "entity": "scheme:7245000G0HS48PZWUD53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "ixv-537": {
   "value": "\n<h1 class=\"S_PARAGRAPH\" id=\"n1286092\"><span class=\"number\">7.3.1 </span><span class=\"title-text\">Changes in EU endorsed published IFRS Standards and Interpretations effective in 2023 </span></h1>\n<p>a.s.r. has adopted the following new standards, including any consequential amendments to other standards, with a date of initial application of 1 January 2023: </p><ul><li>\n<p>IFRS 17 Insurance contracts; </p></li><li>\n<p>IFRS 9 Financial instruments. </p></li></ul>\n<p>The impact of these changes on a.s.r.\u2019s profit before tax and shareholders returns is summarised below. In line with IFRS accounting requirements the comparative figures relating to IFRS 17 have been restated. In addition, a.s.r. has chosen to restate the comparative figures relating to IFRS 9 in line with the overlay approach as permitted under IFRS 17, ensuring better comparability between 2022 and 2023. Due to further analysis of the impact of IFRS 17 and IFRS 9 and harmonisation resulting from the Aegon NL acquisition, the comparative figures related to these standards show some adjustments in comparison to earlier presented comparative figures. </p>\n<p>With the exception of IFRS 17 and IFRS 9, there were no changes in EU endorsed published IFRS Standards and Interpretations that were relevant to a.s.r. </p>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n1286183\"><span class=\"number\">7.3.1.1 </span><span class=\"title-text\">IFRS 17 Insurance contracts </span></h1>\n<div class=\"header header-2\">Recognition, measurement and presentation of insurance contracts </div>\n<p>IFRS 17 establishes principles for the recognition, classification, measurement, presentation and disclosure of insurance contracts, reinsurance contracts and investment contracts with discretionary participating features. The standard introduces three models for the measurement of the insurance contracts. The general measurement model (GMM), the variable fee approach (VFA) for contracts with a direct participating feature and the premium allocation approach (PAA) which is a simplified version of the GMM and is used mainly for short-duration contracts. </p>\n<p>The GMM and VFA measure insurance liabilities as the total of the present value of future cash flows (inflows as well as outflows), the risk adjustment (RA) and a contractual service margin (CSM). The CSM represents the unearned profits of insurance contracts and is released to the income statement over the expected insurance coverage period and recognised as revenue in each reporting period. The insurance contract revenue depicts the insurance contract services provided arising from the group of insurance contracts at an amount that reflects the consideration to which a.s.r. is entitled to in exchange for those services. Revenue includes the release of the CSM and RA in profit or loss over the coverage period. Insurance service result, comprising of insurance contract revenue and insurance service expenses, is a new income statement line item which is effectively a net result on non-financial risks of all insurance contracts. </p>\n<p>Shadow accounting and recognising a provision for realised gains and losses has been discontinued under IFRS 17. </p>\n<p>Insurance finance income and expenses are presented separately from insurance contract revenue and insurance service expenses. </p>\n<p>The VFA is required for insurance contracts that meet specific requirements whereby a link between payments to the policyholder and the returns on underlying items, such as some \u2018participating\u2019, \u2018with profits\u2019 and \u2018unit linked\u2019 contracts, is key. The interest on the CSM for such contracts is accreted implicitly through adjusting the CSM for the change in the variable fee. The variable fee represents a.s.r.\u2019s share of the fair value of the underlying items less amounts that do not vary based on the return of the underlying items. The CSM is also adjusted for the time value of money and the effect of changes in financial risks not arising from underlying items such as options and guarantees. </p>\n<p>a.s.r. applies the PAA to simplify the measurement of contracts in the Non-life segment, except for certain groups of Non-life contracts which do not qualify for the PAA. a.s.r. uses the PAA as the default measurement model for reinsurance contracts with a coverage period of one year or less, but the business line has the option to choose the GMM. </p>\n<p>When measuring liabilities for remaining coverage, the PAA is similar to a.s.r.\u2019s previous accounting treatment. When measuring liabilities for incurred claims, a.s.r. discounts cash flows that are expected to occur more than one year after the date on which the claims are incurred and includes an explicit risk adjustment for non-financial risk. </p>\n<p>Previously, all acquisition costs were recognised directly in profit or loss. Under IFRS 17, insurance acquisition cash flows that arise before the recognition of the related insurance contracts are recognised as separate assets and are tested for recoverability when triggers are identified. These assets are presented in the carrying amount of the insurance contract liabilities and are included in the insurance contract cash flows once the related contracts have been recognised. Under the GMM and VFA, insurance acquisition cash flows are included in the estimates of the present value of future cash flows of insurance contracts and released to profit or loss in a systematic way based on the passage of time. For contracts under the PAA model a.s.r. made the election to recognise insurance acquisition cash flows directly in the income statement. </p>\n<p>Income and expenses from reinsurance contracts held, other than insurance finance income and expenses, are included within the insurance service result in the income statement, but separate from the insurance contracts. </p>\n<p>For more information reference is made to accounting policy <a href=\"#n1286397\" title=\"F1. Insurance contracts\">F</a>. </p>\n<p>Under the former a.s.r. accounting policies (IFRS 4) the main principles applied were: </p><ul><li>\n<p>Future obligations in respect of policy benefits for life insurance contracts were calculated based on a net premium method (the present value of future obligations less the present value of future net premiums) using the same principles as for calculating the premium at inception of the insurance contract \u2018tarief grondslagen\u2019. </p></li><li>\n<p>For Non-life a provision for claims, a provision for current risks, and a provision for unearned premiums was recognised. The provision for claims was based on estimates of claims payable. Claims payable related to unpaid claims and claims handling costs, as well as claims incurred but not reported. </p></li><li>\n<p>Shadow accounting was applied allowing recognised unrealised gains or losses on assets (either through other comprehensive income or profit or loss) to be transferred to the insurance liabilities. </p></li><li>\n<p>A provision for realised gains and losses as part of the insurance liability was recognised. </p></li><li>\n<p>The liability adequacy test (LAT) was performed each reporting date to assess the adequacy of insurance liabilities. For this test, the insurance liabilities were calculated in accordance with Solvency II, using the Ultimate Forward Rate prevailing at the reporting date. </p></li><li>\n<p>All acquisition costs were recognised in the income statement when incurred. </p></li><li>\n<p>Revenue for insurance contracts was recognised when premiums were earned or received. </p></li><li>\n<p>The reinsurance expenses were presented under net insurance premiums and amounts recovered from reinsurers were presented under net insurance claims and benefits. </p></li><li>\n<p>Value of Business acquired (VOBA) represented the difference between the fair value and the carrying amount of insurance portfolios that had been acquired. </p></li><li>\n<p>Receivables and payables in relation to insurance contracts were presented under loans and receivables and due to customers. </p></li></ul>\n<div class=\"header header-2\">Transition </div>\n<p>Changes in accounting policies resulting from the adoption of IFRS 17 have been applied retrospectively to the extent practicable. At 1 January 2022, a.s.r.: </p><ul><li>\n<p>Identified, recognised and measured each group of contracts using the full retrospective approach (as if IFRS 17 had always been applied), the modified retrospective approach or the fair value approach. </p></li><li>\n<p>Identified, recognised and measured any assets for prepaid insurance acquisition cash flows as if IFRS 17 had always been applied. </p></li><li>\n<p>Derecognised previously reported balances that would not have existed if IFRS 17 had always been applied. These included the intangible assets \u2018value of business acquired\u2019, insurance receivables and insurance payables. Under IFRS 17, these are included in the measurement of the insurance contracts liabilities and assets. </p></li><li>\n<p>Recognised any resulting net difference in equity. The carrying amount of goodwill from previous business combinations was not adjusted. </p></li></ul>\n<p>Notwithstanding the above, for certain groups of contracts IFRS 17 has not been applied retrospectively, because data was not available. In these cases, a.s.r. applied the modified retrospective approach or the fair value approach as allowed by IFRS 17 at 1 January 2022. To indicate the effect of these groups of contracts on the CSM and insurance contract revenue, a.s.r. has provided additional disclosures. See <a href=\"#n1288783\" title=\"Insurance contract liabilities and reinsurance contract assets\">chapter 7.5.13</a> and <a href=\"#n1288943\" title=\"Liabilities arising from direct participating insurance contracts\">chapter 7.5.14</a>. </p>\n<p>a.s.r. has applied the transition provisions in IFRS 17 and has disclosed the effect on the consolidated financial statements at 1 January 2022 in chapter 3.4 of the consolidated interim statement of changes in equity, and in chapter 4.2.3 financial impact of changes in accounting policies and changes in presentation. The application of the transition measurement methods are presented below: </p>\n<h3 class=\"table-title\">Transition measurement methods for contracts measured under the GMM or PAA </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:11%;\"/><col style=\"width:19%;\"/><col style=\"width:29%;\"/><col style=\"width:41%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:middle;\"><b>Segment </b></th><th class=\"startCol-2 endCol-2 valign-middle border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:middle;\"><b>Product </b></th><th class=\"startCol-3 endCol-3 valign-middle border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:middle;\"><b>Reporting year date </b></th><th class=\"startCol-4 endCol-4 valign-middle border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:middle;\"><b>Transition measurement method </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Non-life </td><td class=\"startCol-2 endCol-2 valign-bottom border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">P&amp;C </td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-bottom border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Full retrospective approach </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-bottom border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Disability </td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-bottom border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Modified retrospective approach or Fair value approach </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-bottom border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Health </td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-bottom border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Full retrospective approach </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Life </td><td class=\"startCol-2 endCol-2 valign-bottom border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Life individual </td><td class=\"startCol-3 endCol-3 valign-bottom border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Contracts after 1-1-2016 </td><td class=\"startCol-4 endCol-4 valign-bottom border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Full retrospective approach </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-bottom border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Contracts before 1-1-2016 </td><td class=\"startCol-4 endCol-4 valign-bottom border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Fair value approach </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-bottom border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Pension </td><td class=\"startCol-3 endCol-3 valign-bottom border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Acquisitions after 1-1-2018 </td><td class=\"startCol-4 endCol-4 valign-bottom border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Full retrospective approach </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-bottom border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Other contracts </td><td class=\"startCol-4 endCol-4 valign-bottom border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Fair value approach </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-bottom border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Funeral </td><td class=\"startCol-3 endCol-3 valign-bottom border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Contracts after 1-1-2002 </td><td class=\"startCol-4 endCol-4 valign-bottom border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Full retrospective approach </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-bottom border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Contracts before 1-1-2002 </td><td class=\"startCol-4 endCol-4 valign-bottom border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Fair value approach </td></tr></tbody></table> <br/>\n<div class=\"header header-4\">Modified retrospective approach </div>\n<p>The objective of the modified retrospective approach is to achieve the closest outcome possible to the full retrospective approach using reasonable and supportable information available without undue cost or effort. a.s.r. applies each of the following modifications only to the extent that it did not have reasonable and supportable information to apply IFRS 17 retrospectively. </p>\n<p>Modifications on transition for insurance contracts measured under the GMM: </p><ul><li>\n<p>Some groups of insurance contracts issued before 1 January 2022 contain contracts issued more than one year apart. For these groups, the discount rate at 1 January 2022 was used for subsequent measurement instead of the discount rate on initial recognition. These contracts represent 5.5% of the total insurance contracts liabilities at 1 January 2022. </p></li></ul>\n<p>When the modification above was used to determine the CSM (or the loss component) on initial recognition: </p><ul><li>\n<p>The amount of the CSM recognised in the income statement before 1 January 2022 was determined by comparing the CSM on initial recognition and the remaining CSM at 1 January 2022; and </p></li><li>\n<p>The amount allocated to the loss component before 1 January 2022 was determined using the proportion of the loss component relative to the total estimate of the present value of the future cash outflows plus the risk adjustment for non-financial risk on initial recognition. </p></li></ul>\n<div class=\"header header-4\">Fair value approach </div>\n<p>For certain groups of contracts, the fair value approach was used for identifying and measuring groups of contracts at 1 January 2022. Under the fair value approach, a.s.r. determines the CSM (or loss component) as at 1 January 2022 for a group of insurance contracts based on the difference between the fair value of the group and the fulfilment cash flows. When the fair value approach is used a.s.r. does not apply annual cohorts. For these groups the discount rate at 1 January 2022 is used. When insurance contracts have been acquired that contain only a liability for incurred claims a.s.r. has applied the policy choice to continue this accounting at transition date. These contracts represent 63.9% of the total insurance contracts liabilities at 1 January 2022. </p>\n<div class=\"header header-3\">Non-life insurance contracts </div>\n<p>P&amp;C and Health applied the full retrospective approach. Individual disability and absenteeism insurance applied the fair value approach. Group disability applied the modified retrospective approach. </p>\n<div class=\"header header-3\">Life insurance contracts </div>\n<p>On transition to IFRS 17, a.s.r. applied the full retrospective approach for all Life individual contracts issued or acquired on or after 1 January 2016, for all Pension portfolios acquired after 1 January 2018 and for all funeral contracts issued or acquired on or after 1 January 2002. For all other contracts a.s.r. applies the fair value approach in identifying and measuring groups of contracts. </p>\n<div class=\"header header-3\">Direct participating insurance contracts </div>\n<p>a.s.r. applied the fair value approach for all groups of contracts issued or acquired before 1 January 2022. </p>\n<p>If the calculation resulted in a CSM, then a.s.r. measured the CSM at 1 January 2022. If the calculation resulted in a loss component, then a.s.r. adjusted the loss component to zero, and increased the liability for remaining coverage. In effect the adjustment to zero is incorporated in equity of the opening balance at transition date. </p>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n1286114\"><span class=\"number\">7.3.1.2 </span><span class=\"title-text\">IFRS 9 Financial instruments </span></h1>\n<div class=\"header header-2\">See accounting policy E. </div>\n<div class=\"header header-2\">Classification of financial assets and financial liabilities </div>\n<p>IFRS 9 includes three principal classification categories for financial assets: measured at amortised cost, fair value through other comprehensive income (FVOCI) and fair value through profit or loss (FVTPL). The classification and measurement of financial assets under IFRS 9 is based on a.s.r.\u2019s business models, in which a financial asset is managed, and its contractual cash flow characteristics. In many instances, the classification and measurement under IFRS 9 will be similar to IAS 39, although certain differences will arise. The classification of financial liabilities remains unchanged. Derivatives embedded in contracts for which the host is a financial asset in scope of IFRS 9 are not separated. Instead the hybrid financial instrument as a whole is assessed for classification which is in line with a.s.r.\u2019s previous classification under IAS 39. </p>\n<div class=\"header header-2\">Impairment of financial assets </div>\n<p>The recognition and measurement of impairments under IFRS 9 is intended to be more forward looking than under IAS 39. The new impairment requirement will apply to all financial assets that are debt instruments and are measured at amortised cost or at fair value through other comprehensive income. Initially, a provision is required for expected credit losses (ECL) resulting from default events that are expected within the next twelve months. In the event of a significant increase in credit risk, a provision is required for ECL resulting from all possible default events over the expected life of the financial asset. For trade receivables that do not contain a significant financing component, the loss allowance should be measured at initial recognition and throughout the life of the receivable at an amount equal to lifetime ECL (simplified approach). Under IFRS 9, credit losses are recognised earlier than under IAS 39. For a.s.r. only other financial assets were in scope of the impairment requirement at transition date, for which a.s.r. applies the simplified approach. </p>\n<div class=\"header header-2\">Hedge accounting </div>\n<p>The hedge accounting requirements of IFRS 9 introduce a new general hedge accounting model. At first application of IFRS 9 a.s.r. decided not to apply hedge accounting in relation to its insurance business. </p>\n<div class=\"header header-2\">Transition </div>\n<p>Changes in accounting policies resulting from the adoption of IFRS 9 have been applied retrospectively, except the following assessments have been made based on the facts and circumstances that existed at 1 January 2023: </p><ul><li>\n<p>The determination of the business models within which certain financial assets are held. </p></li><li>\n<p>The designation and revocation of previous designations of certain financial assets as measured at FVTPL. </p></li><li>\n<p>In line with Solvency II reporting a.s.r. accounts for debt instruments at their \u201cdirty\u201d fair value, thus including any related accrued interest. </p></li></ul>\n<p>Details of the changes and implications resulting from the adoption of IFRS 9 are presented in <a href=\"#n1286138\" title=\"Financial impact of changes in accounting policies and changes in presentation\">chapter 7.3.1.3</a> and <a href=\"#n1286160\" title=\"Transition to IFRS 9\">chapter 7.3.1.4</a> below. </p>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n1286138\"><span class=\"number\">7.3.1.3 </span><span class=\"title-text\">Financial impact of changes in accounting policies and changes in presentation </span></h1>\n<p>Below, the reconciliation of the 2022 opening and closing consolidated balance sheet is disclosed to account for the impact of IFRS 17 and IFRS 9. </p>\n<div class=\"tanPageBreak newPage\"> </div>\n<h3 class=\"table-title\">Reconciliation of the consolidated balance sheet 31 December 2022 </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:auto;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:middle;\">(in \u20ac\u00a0millions) </th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>31 December 2022 </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Reclassification </b></th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Remeasurement IFRS9 </b></th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Remeasurement IFRS17 </b></th><th class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Restated <br/>31 December 2022 </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Intangible assets </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">418 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">-96 </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">322 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Property, plant and equipment </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1\" style=\"text-align:right;vertical-align:middle;\">679 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">679 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Investment property </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1\" style=\"text-align:right;vertical-align:middle;\">664 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">664 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Associates and joint ventures at equity method </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1\" style=\"text-align:right;vertical-align:middle;\">79 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">79 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Investments </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1\" style=\"text-align:right;vertical-align:middle;\">25,640 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">16,726 </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">-1,289 </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">41,077 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Investments on behalf of policyholders </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1\" style=\"text-align:right;vertical-align:middle;\">9,912 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">-9,912 </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Investments related to direct participating contracts </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">9,912 </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">9,912 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Investments related to investment contracts </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1\" style=\"text-align:right;vertical-align:middle;\">2,000 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">-2,000 </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Loans and receivables </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1\" style=\"text-align:right;vertical-align:middle;\">17,171 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">-17,171 </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Derivatives </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1\" style=\"text-align:right;vertical-align:middle;\">5,428 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">334 </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">5,761 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Deferred tax assets </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1\" style=\"text-align:right;vertical-align:middle;\">119 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">332 </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">-134 </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">318 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Reinsurance contracts </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1\" style=\"text-align:right;vertical-align:middle;\">357 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">-357 </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Reinsurance contract assets </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">418 </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">-37 </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">381 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Other assets </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1\" style=\"text-align:right;vertical-align:middle;\">828 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">-368 </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">460 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Cash and cash equivalents </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">2,245 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-bottom-1 border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">1 </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-bottom-1 border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-bottom-1 border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-bottom-1 border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">2,246 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total assets </b></td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>65,539 </b></td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>-2,417 </b></td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>-956 </b></td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>-267 </b></td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>61,899 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Share capital </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1\" style=\"text-align:right;vertical-align:middle;\">24 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">24 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Share premium reserve </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1\" style=\"text-align:right;vertical-align:middle;\">1,533 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">1,533 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Unrealised gains and losses </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1\" style=\"text-align:right;vertical-align:middle;\">-922 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">1,187 </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">266 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Actuarial gains and losses </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1\" style=\"text-align:right;vertical-align:middle;\">-168 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">-168 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Retained earnings </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1\" style=\"text-align:right;vertical-align:middle;\">5,333 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">-1,185 </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">-956 </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">377 </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">3,569 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Treasury shares </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">-79 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-bottom-1 border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-bottom-1 border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-bottom-1 border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-bottom-1 border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">-79 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Equity attributable to shareholders </b></td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>5,722 </b></td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>3 </b></td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>-956 </b></td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>377 </b></td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>5,146 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Other equity instruments </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">1,004 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-bottom-1 border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-bottom-1 border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-bottom-1 border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-bottom-1 border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">1,004 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Equity attributable to holders of equity instruments </b></td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>6,726 </b></td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>3 </b></td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>-956 </b></td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>377 </b></td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>6,150 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Non-controlling interests </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">27 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-bottom-1 border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-bottom-1 border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-bottom-1 border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-bottom-1 border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">27 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total equity </b></td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>6,753 </b></td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>3 </b></td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>-956 </b></td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>377 </b></td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>6,177 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Subordinated liabilities </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1\" style=\"text-align:right;vertical-align:middle;\">1,980 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">26 </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">2,005 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Liabilities arising from insurance contracts </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1\" style=\"text-align:right;vertical-align:middle;\">29,633 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">-29,633 </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Liabilities arising from insurance contracts on behalf of policyholders </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1\" style=\"text-align:right;vertical-align:middle;\">13,007 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">-13,007 </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Insurance contract liabilities </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">32,150 </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">-509 </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">31,640 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Liabilities arising from direct participating insurance contracts </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">10,598 </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">-135 </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">10,463 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Liabilities arising from investment contracts </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1\" style=\"text-align:right;vertical-align:middle;\">2,000 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">-2,000 </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Employee benefits </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1\" style=\"text-align:right;vertical-align:middle;\">2,742 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">2,742 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Provisions </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1\" style=\"text-align:right;vertical-align:middle;\">18 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">18 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Borrowings </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1\" style=\"text-align:right;vertical-align:middle;\">214 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">-26 </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">188 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Derivatives </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1\" style=\"text-align:right;vertical-align:middle;\">5,523 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">159 </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">5,681 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Due to customers </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1\" style=\"text-align:right;vertical-align:middle;\">471 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">-471 </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Due to banks </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1\" style=\"text-align:right;vertical-align:middle;\">2,262 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">2 </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">2,264 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Other liabilities </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">938 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-bottom-1 border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">-217 </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-bottom-1 border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-bottom-1 border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-bottom-1 border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">721 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total liabilities </b></td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>58,787 </b></td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>-2,420 </b></td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\"><b>- </b></td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>-644 </b></td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>55,723 </b></td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total equity and liabilities </b></td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>65,539 </b></td><td class=\"startCol-3 endCol-3 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>-2,417 </b></td><td class=\"startCol-4 endCol-4 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>-956 </b></td><td class=\"startCol-5 endCol-5 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>-267 </b></td><td class=\"startCol-6 endCol-6 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>61,899 </b></td></tr></tbody></table> <br/>\n<div class=\"tanPageBreak newPage\"> </div>\n<h3 class=\"table-title\">Reconciliation of the consolidated balance sheet 1 January 2022 </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:auto;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:middle;\">(in \u20ac\u00a0millions) </th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>31 December 2021 </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Reclassification </b></th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Remeasurement IFRS9 </b></th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Remeasurement IFRS17 </b></th><th class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Restated <br/>1 January 2022 </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Intangible assets </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">428 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">-119 </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">310 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Property, plant and equipment </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1\" style=\"text-align:right;vertical-align:middle;\">556 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">556 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Investment property </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1\" style=\"text-align:right;vertical-align:middle;\">2,052 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">2,052 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Associates and joint ventures at equity method </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1\" style=\"text-align:right;vertical-align:middle;\">102 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">102 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Investments </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1\" style=\"text-align:right;vertical-align:middle;\">33,550 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">14,602 </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">1,458 </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">49,609 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Investments on behalf of policyholders </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1\" style=\"text-align:right;vertical-align:middle;\">11,574 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">-11,574 </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Investments related to direct participating contracts </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">11,574 </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">11,574 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Investments related to investment contracts </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1\" style=\"text-align:right;vertical-align:middle;\">1,952 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">-1,952 </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Loans and receivables </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1\" style=\"text-align:right;vertical-align:middle;\">15,259 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">-15,259 </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Derivatives </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1\" style=\"text-align:right;vertical-align:middle;\">6,212 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">229 </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">6,441 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Reinsurance contracts </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1\" style=\"text-align:right;vertical-align:middle;\">417 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">-417 </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Reinsurance contract assets </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">488 </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">34 </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">522 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Other assets </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1\" style=\"text-align:right;vertical-align:middle;\">631 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">-71 </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">560 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Cash and cash equivalents </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">2,306 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-bottom-1 border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">-1 </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-bottom-1 border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-bottom-1 border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-bottom-1 border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">2,305 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total assets </b></td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>75,040 </b></td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>-2,382 </b></td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>1,458 </b></td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>-85 </b></td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>74,032 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Share capital </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1\" style=\"text-align:right;vertical-align:middle;\">22 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">22 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Share premium reserve </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1\" style=\"text-align:right;vertical-align:middle;\">956 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">956 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Unrealised gains and losses </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1\" style=\"text-align:right;vertical-align:middle;\">1,461 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">-745 </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">717 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Actuarial gains and losses </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1\" style=\"text-align:right;vertical-align:middle;\">-1,055 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">-1,055 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Retained earnings </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1\" style=\"text-align:right;vertical-align:middle;\">5,061 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">742 </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">1,082 </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">-1,271 </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">5,613 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Treasury shares </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">-83 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-bottom-1 border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-bottom-1 border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-bottom-1 border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-bottom-1 border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">-83 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Equity attributable to shareholders </b></td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>6,363 </b></td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>-3 </b></td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>1,082 </b></td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>-1,271 </b></td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>6,170 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Other equity instruments </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">1,004 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-bottom-1 border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-bottom-1 border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-bottom-1 border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-bottom-1 border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">1,004 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Equity attributable to holders of equity instruments </b></td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>7,367 </b></td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>-3 </b></td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>1,082 </b></td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>-1,271 </b></td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>7,174 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Non-controlling interests </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">18 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-bottom-1 border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-bottom-1 border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-bottom-1 border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-bottom-1 border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">18 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total equity </b></td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>7,385 </b></td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>-3 </b></td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>1,082 </b></td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>-1,271 </b></td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>7,192 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Subordinated liabilities </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1\" style=\"text-align:right;vertical-align:middle;\">992 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">18 </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">1,010 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Liabilities arising from insurance contracts </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1\" style=\"text-align:right;vertical-align:middle;\">37,797 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">-37,797 </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Liabilities arising from insurance contracts on behalf of policyholders </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1\" style=\"text-align:right;vertical-align:middle;\">14,566 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">-14,566 </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Insurance contract liabilities </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">40,383 </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">1,615 </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">41,998 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Liabilities arising from direct participating insurance contracts </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">12,160 </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">15 </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">12,175 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Liabilities arising from investment contracts </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1\" style=\"text-align:right;vertical-align:middle;\">1,952 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">-1,952 </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Employee benefits </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1\" style=\"text-align:right;vertical-align:middle;\">4,013 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">4,013 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Provisions </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1\" style=\"text-align:right;vertical-align:middle;\">24 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">24 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Borrowings </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1\" style=\"text-align:right;vertical-align:middle;\">192 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">-26 </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">165 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Deferred tax liabilities </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1\" style=\"text-align:right;vertical-align:middle;\">69 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">376 </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">-443 </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">3 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Derivatives </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1\" style=\"text-align:right;vertical-align:middle;\">759 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">73 </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">832 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Due to customers </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1\" style=\"text-align:right;vertical-align:middle;\">573 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">-573 </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Due to banks </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1\" style=\"text-align:right;vertical-align:middle;\">5,741 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">5,741 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Other liabilities </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">976 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-bottom-1 border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">-98 </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-bottom-1 border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-bottom-1 border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-bottom-1 border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">878 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total liabilities </b></td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>67,655 </b></td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>-2,379 </b></td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>376 </b></td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>1,187 </b></td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>66,839 </b></td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total equity and liabilities </b></td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>75,040 </b></td><td class=\"startCol-3 endCol-3 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>-2,382 </b></td><td class=\"startCol-4 endCol-4 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>1,458 </b></td><td class=\"startCol-5 endCol-5 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>-85 </b></td><td class=\"startCol-6 endCol-6 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>74,032 </b></td></tr></tbody></table> <br/>\n<p>The adoption of IFRS 9 and 17 has had the following impact on a.s.r.\u2019s basic and diluted earnings per ordinary share for the year ended 31 December 2022: </p><ul><li>\n<p>For basic earnings per share, a decrease of \u20ac\u00a017.83; and </p></li><li>\n<p>For diluted earnings per share, a decrease of \u20ac\u00a015.39. </p></li></ul>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n1286160\"><span class=\"number\">7.3.1.4 </span><span class=\"title-text\">Transition to IFRS 9 </span></h1>\n<p>The following table contains the original measurement category and carrying amount under IAS 39 and the new measurement category and carrying amount under IFRS 9 for each class of financial assets and financial liabilities as at 1 January 2023. Also included are the reclasses related to amongst others the 'dirty' fair value. See accounting policy <a href=\"#n1286373\" title=\"E. Financial assets and financial liabilities\">E</a>. </p>\n<h3 class=\"table-title\">Original measurement category and carrying amount under IAS 39 and the new measurement category and carrying amount under IFRS 9 as at 1 January 2023 </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:0%;\"/><col style=\"width:20%;\"/><col style=\"width:20%;\"/><col style=\"width:12%;\"/><col style=\"width:12%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;\"><b>(in \u20ac\u00a0millions) </b></th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Original classification under IAS 39 </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>New classification under IFRS 9 </b></th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Original carrying amount </b></th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>New carrying amount </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Financial assets </b></td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Investments </b></td><td class=\"startCol-2 endCol-2 valign-top border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Investments - transferred under repurchase agreements </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Government bonds </td><td class=\"startCol-2 endCol-2 valign-bottom align-left border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Available for sale </td><td class=\"startCol-3 endCol-3 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">FVTPL (mandatory) </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">432 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">437 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Investments - own risk </b></td><td class=\"startCol-2 endCol-2 valign-top border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Real estate equity funds </td><td class=\"startCol-2 endCol-2 valign-bottom align-left border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:bottom;\">FVTPL </td><td class=\"startCol-3 endCol-3 valign-bottom align-left border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\">FVTPL (mandatory) </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1\" style=\"text-align:right;vertical-align:bottom;\">4,105 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1\" style=\"text-align:right;vertical-align:bottom;\">4,092 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Mortgage equity funds </td><td class=\"startCol-2 endCol-2 valign-bottom align-left border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">FVTPL </td><td class=\"startCol-3 endCol-3 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">FVTPL (mandatory) </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">684 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">705 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Mortgage equity funds </td><td class=\"startCol-2 endCol-2 valign-bottom align-left border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Available for sale </td><td class=\"startCol-3 endCol-3 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">FVTPL (mandatory) </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">303 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">303 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Government bonds </td><td class=\"startCol-2 endCol-2 valign-bottom align-left border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Available for sale </td><td class=\"startCol-3 endCol-3 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">FVTPL (mandatory) </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">8,794 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">8,872 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Corporate bonds </td><td class=\"startCol-2 endCol-2 valign-bottom align-left border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Available for sale </td><td class=\"startCol-3 endCol-3 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">FVTPL (mandatory) </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">7,188 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">7,272 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Asset-backed securities </td><td class=\"startCol-2 endCol-2 valign-bottom align-left border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Available for sale </td><td class=\"startCol-3 endCol-3 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">FVTPL (mandatory) </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">416 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">413 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Preference shares </td><td class=\"startCol-2 endCol-2 valign-bottom align-left border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Available for sale </td><td class=\"startCol-3 endCol-3 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">FVOCI </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">289 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">297 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Other investment funds </td><td class=\"startCol-2 endCol-2 valign-bottom align-left border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Available for sale </td><td class=\"startCol-3 endCol-3 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">FVTPL (mandatory) </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,596 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,588 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Other investment funds </td><td class=\"startCol-2 endCol-2 valign-bottom align-left border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">FVTPL </td><td class=\"startCol-3 endCol-3 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">FVTPL (mandatory) </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">16 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">16 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Equities </td><td class=\"startCol-2 endCol-2 valign-bottom align-left border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Available for sale </td><td class=\"startCol-3 endCol-3 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">FVOCI </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,743 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,743 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Equities </td><td class=\"startCol-2 endCol-2 valign-bottom align-left border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">FVTPL </td><td class=\"startCol-3 endCol-3 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">FVTPL </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">67 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">67 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Other participating contracts </td><td class=\"startCol-2 endCol-2 valign-bottom align-left border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Available for sale </td><td class=\"startCol-3 endCol-3 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">FVOCI </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">6 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">6 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Government and public sector loans </td><td class=\"startCol-2 endCol-2 valign-bottom align-left border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Amortised Cost </td><td class=\"startCol-3 endCol-3 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">FVTPL (mandatory) </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">221 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">227 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Mortgage loans </td><td class=\"startCol-2 endCol-2 valign-bottom align-left border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Amortised Cost </td><td class=\"startCol-3 endCol-3 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">FVTPL (mandatory) </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">10,366 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">9,074 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Loans to credit institutions </td><td class=\"startCol-2 endCol-2 valign-bottom align-left border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Amortised Cost </td><td class=\"startCol-3 endCol-3 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">FVTPL (mandatory) </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2,627 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2,644 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Other investments </td><td class=\"startCol-2 endCol-2 valign-bottom align-left border-left-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Amortised Cost </td><td class=\"startCol-3 endCol-3 valign-bottom align-left border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">FVTPL (mandatory) </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">3,352 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">3,320 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>42,206 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>41,077 </b></td></tr></tbody></table> <br/>\n<h3 class=\"table-title\">Original measurement category and carrying amount under IAS 39 and the new measurement category and carrying amount under IFRS 9 as at 1 January 2023 </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:0%;\"/><col style=\"width:20%;\"/><col style=\"width:20%;\"/><col style=\"width:12%;\"/><col style=\"width:12%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;\"><b>(in \u20ac\u00a0millions) </b></th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Original classification under IAS 39 </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>New classification under IFRS 9 </b></th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Original carrying amount </b></th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>New carrying amount </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Investments related to direct participating insurance contracts </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Real estate equity funds </td><td class=\"startCol-2 endCol-2 valign-bottom align-left border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">FVTPL </td><td class=\"startCol-3 endCol-3 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">FVTPL (mandatory) </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">170 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">170 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Mortgage equity funds </td><td class=\"startCol-2 endCol-2 valign-bottom align-left border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">FVTPL </td><td class=\"startCol-3 endCol-3 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">FVTPL (mandatory) </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">252 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">252 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Government bonds </td><td class=\"startCol-2 endCol-2 valign-bottom align-left border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">FVTPL </td><td class=\"startCol-3 endCol-3 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">FVTPL (mandatory) </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,526 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,543 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Corporate bonds </td><td class=\"startCol-2 endCol-2 valign-bottom align-left border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">FVTPL </td><td class=\"startCol-3 endCol-3 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">FVTPL (mandatory) </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,386 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,386 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Equities </td><td class=\"startCol-2 endCol-2 valign-bottom align-left border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">FVTPL </td><td class=\"startCol-3 endCol-3 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">FVTPL (mandatory) </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">6,504 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">6,486 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Other investments </td><td class=\"startCol-2 endCol-2 valign-bottom align-left border-left-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">FVTPL </td><td class=\"startCol-3 endCol-3 valign-bottom align-left border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">FVTPL (mandatory) </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">75 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">76 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>9,912 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>9,912 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Investments related to investment contracts </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Real estate equity funds </td><td class=\"startCol-2 endCol-2 valign-bottom align-left border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">FVTPL </td><td class=\"startCol-3 endCol-3 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Not applicable </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">97 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Government bonds </td><td class=\"startCol-2 endCol-2 valign-bottom align-left border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">FVTPL </td><td class=\"startCol-3 endCol-3 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Not applicable </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">261 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Corporate bonds </td><td class=\"startCol-2 endCol-2 valign-bottom align-left border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">FVTPL </td><td class=\"startCol-3 endCol-3 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Not applicable </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">149 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Equities </td><td class=\"startCol-2 endCol-2 valign-bottom align-left border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">FVTPL </td><td class=\"startCol-3 endCol-3 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Not applicable </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,449 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Other investments </td><td class=\"startCol-2 endCol-2 valign-bottom align-left border-left-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">FVTPL </td><td class=\"startCol-3 endCol-3 valign-bottom align-left border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Not applicable </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">44 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>2,000 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Derivatives assets </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-left border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:bottom;\">FVTPL </td><td class=\"startCol-3 endCol-3 valign-bottom align-left border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\">FVTPL (mandatory) </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1\" style=\"text-align:right;vertical-align:bottom;\">5,428 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1\" style=\"text-align:right;vertical-align:bottom;\">5,761 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Other financial assets </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-left border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:bottom;\">Amortised Cost </td><td class=\"startCol-3 endCol-3 valign-bottom align-left border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\">Amortised Cost </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1\" style=\"text-align:right;vertical-align:bottom;\">669 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1\" style=\"text-align:right;vertical-align:bottom;\">247 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Cash and cash equivalents </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-left border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:bottom;\">FVTPL </td><td class=\"startCol-3 endCol-3 valign-bottom align-left border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\">FVTPL (mandatory) </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1\" style=\"text-align:right;vertical-align:bottom;\">2,245 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1\" style=\"text-align:right;vertical-align:bottom;\">2,246 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total financial assets </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>62,459 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>59,243 </b></td></tr></tbody></table> <br/>\n<h3 class=\"table-title\">Original measurement category and carrying amount under IAS 39 and the new measurement category and carrying amount under IFRS 9 as at 1 January 2023 </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:0%;\"/><col style=\"width:20%;\"/><col style=\"width:20%;\"/><col style=\"width:12%;\"/><col style=\"width:12%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;\"><b>(in \u20ac\u00a0millions) </b></th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Original classification under IAS 39 </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>New classification under IFRS 9 </b></th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Original carrying amount </b></th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>New carrying amount </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Financial liabilities </b></td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Subordinated liabilities </td><td class=\"startCol-2 endCol-2 valign-bottom align-left border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Amortised cost </td><td class=\"startCol-3 endCol-3 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Amortised cost </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,980 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2,005 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Liabilities arising from investment contracts </td><td class=\"startCol-2 endCol-2 valign-bottom align-left border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">FVTPL </td><td class=\"startCol-3 endCol-3 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Not applicable </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2,000 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Borrowings (excluding lease liabilities) </td><td class=\"startCol-2 endCol-2 valign-bottom align-left border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Amortised cost </td><td class=\"startCol-3 endCol-3 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Amortised cost </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">152 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">126 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Due to customers </td><td class=\"startCol-2 endCol-2 valign-bottom align-left border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Amortised cost </td><td class=\"startCol-3 endCol-3 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Not applicable </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">471 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Derivatives liabilities </td><td class=\"startCol-2 endCol-2 valign-bottom align-left border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">FVTPL </td><td class=\"startCol-3 endCol-3 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">FVTPL (mandatory) </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">5,523 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">5,681 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Due to banks </td><td class=\"startCol-2 endCol-2 valign-bottom align-left border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Amortised cost </td><td class=\"startCol-3 endCol-3 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Amortised cost </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2,262 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2,264 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Other financial liabilities </td><td class=\"startCol-2 endCol-2 valign-bottom align-left border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Amortised cost </td><td class=\"startCol-3 endCol-3 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Amortised cost </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">200 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">55 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total financial liabilities </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>12,588 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>10,132 </b></td></tr></tbody></table> <br/>\n<h3 class=\"table-title\">Reconciliation of the carrying amount of financial assets under IAS 39 to IFRS 9 on 1 January 2023 - FVTPL </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:0%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;\"><b>FVTPL </b></th><th class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:middle;\"><b>31 December 2022 (IAS 39) </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Reclassification </b></th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Remeasurement </b></th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>1 January 2023 (IFRS 9) </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\"><b>Investments - transferred under repurchase agreements </b></td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:middle;\"><b>Government bonds </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">brought forward </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">reclassified from available for sale </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">432 </td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">reclassified from other assets </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">5 </td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">carried forward </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">437 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-left-1 border-right-1\" style=\"text-align:left;vertical-align:middle;\"><b>Investments - own risk </b></td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:middle;\"><b>Real estate equity funds </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">brought forward </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">4,105 </td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">remeasurement </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">-14 </td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">carried forward </td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">4,092 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:middle;\"><b>Mortgage equity funds </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">brought forward </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">684 </td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">reclassified from available for sale </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">303 </td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">remeasurement </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">21 </td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">carried forward </td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,008 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:middle;\"><b>Government bonds </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">brought forward </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">reclassified from available for sale </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">8,794 </td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">reclassified from other assets </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">77 </td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">carried forward </td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">8,872 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:middle;\"><b>Corporate bonds </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">brought forward </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">reclassified from available for sale </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">7,188 </td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">reclassified from other assets </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">85 </td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">carried forward </td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">7,272 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:middle;\"><b>Asset-backed securities </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">brought forward </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">reclassified from available for sale </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">416 </td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">reclassified from other assets </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2 </td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">remeasurement </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">-4 </td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">carried forward </td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">413 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:middle;\"><b>Other investment funds </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">brought forward </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">16 </td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">reclassified from available for sale </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,596 </td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">remeasurement </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">-7 </td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">carried forward </td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,605 </td></tr></tbody></table> <br/>\n<h3 class=\"table-title\">Reconciliation of the carrying amount of financial assets under IAS 39 to IFRS 9 on 1 January 2023 - FVTPL </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:0%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;\"><b>FVTPL </b></th><th class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:middle;\"><b>31 December 2022 (IAS 39) </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Reclassification </b></th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Remeasurement </b></th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>1 January 2023 (IFRS 9) </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\"><b>Equities </b></td><td class=\"startCol-2 endCol-2 valign-middle align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">67 </td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">67 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:middle;\"><b>Government and public sector loans </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">brought forward </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">reclassified from loans and receivables </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">221 </td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">reclassified from other assets </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2 </td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">remeasurement </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">4 </td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">carried forward </td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">227 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:middle;\"><b>Mortgage loans </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">brought forward </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">reclassified from loans and receivables </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">10,366 </td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">reclassified from other assets </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">22 </td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">remeasurement </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">-1,314 </td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">carried forward </td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">9,074 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:middle;\"><b>Loans to credit institutions </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">brought forward </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">reclassified from loans and receivables </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2,601 </td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">reclassified from other assets </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">3 </td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">reclassified to investments related to investment contracts </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-27 </td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">remeasurement </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">67 </td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">carried forward </td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2,644 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:middle;\"><b>Other investments </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">brought forward </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">reclassified from loans and receivables </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">3,352 </td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">reclassified from other assets </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">10 </td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">remeasurement </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">-42 </td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">carried forward </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">3,320 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:middle;\"><b>Investments related to direct participating insurance contracts </b></td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">9,912 </td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1\" style=\"text-align:right;vertical-align:bottom;\">9,912 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:middle;\"><b>Investments related to investment contracts </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">brought forward </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">2,000 </td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">reclassified from loans and receivables </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">27 </td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">reclassified from liabilities arising from investment contracts </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-2,027 </td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">carried forward </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:middle;\"><b>Derivatives assets </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">brought forward </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">5,428 </td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">reclassified from other assets </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">334 </td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">carried forward </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">5,761 </td></tr></tbody></table> <br/>\n<h3 class=\"table-title\">Reconciliation of the carrying amount of financial assets under IAS 39 to IFRS 9 on 1 January 2023 - FVTPL </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:auto;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;\"><b>FVTPL </b></th><th class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:middle;\"><b>31 December 2022 (IAS 39) </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Reclassification </b></th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Remeasurement </b></th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>1 January 2023 (IFRS 9) </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\"><b>Cash and cash equivalents </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">brought forward </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">2,245 </td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">reclassified from other assets </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1 </td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">carried forward </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2,246 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total FVTPL </b></td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>24,457 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>33,781 </b></td><td class=\"startCol-4 endCol-4 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>-1,289 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>56,950 </b></td></tr></tbody></table> <br/>\n<h3 class=\"table-title\">Reconciliation of the carrying amount of financial assets under IAS 39 to IFRS 9 on 1 January 2023 \u2013 FVOCI </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:0%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;\"><b>FVOCI </b></th><th class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:middle;\"><b>31 December 2022 (IAS 39) </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Reclassification </b></th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Remeasurement </b></th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>1 January 2023 (IFRS 9) </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\"><b>Investments </b></td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:middle;\"><b>Equities </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">brought forward </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">reclassified from available for sale </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,743 </td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">carried forward </td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,743 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:middle;\"><b>Preference shares </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">brought forward </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">reclassified from available for sale </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">289 </td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">reclassified from other assets </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">8 </td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">carried forward </td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">297 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:middle;\"><b>Other participating contracts </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">brought forward </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">reclassified from available for sale </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">6 </td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">carried forward </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">6 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total FVOCI </b></td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\"><b>- </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>2,046 </b></td><td class=\"startCol-4 endCol-4 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\"><b>- </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>2,046 </b></td></tr></tbody></table> <br/>\n<h3 class=\"table-title\">Reconciliation of the carrying amount of financial assets under IAS 39 to IFRS 9 on 1 January 2023 - Available for sale </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:0%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;\"><b>Available for sale </b></th><th class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:middle;\"><b>31 December 2022 (IAS 39) </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Reclassification </b></th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Remeasurement </b></th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>1 January 2023 (IFRS 9) </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\"><b>Investments </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">brought forward </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">20,767 </td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">reclassified to FVTPL </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-18,728 </td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">reclassified to FVOCI </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-2,038 </td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">carried forward </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total available for sale </b></td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>20,767 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-20,767 </b></td><td class=\"startCol-4 endCol-4 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\"><b>- </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td></tr></tbody></table> <br/>\n<h3 class=\"table-title\">Reconciliation of the carrying amount of financial assets under IAS 39 to IFRS 9 on 1 January 2023 \u2013 Amortised cost </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:auto;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;\"><b>Amortised cost </b></th><th class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:middle;\"><b>31 December 2022 (IAS 39) </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Reclassification </b></th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Remeasurement </b></th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>1 January 2023 (IFRS 9) </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\"><b>Loans and receivables </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">brought forward </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">17,171 </td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">reclassified to investments </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-16,513 </td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">reclassified to investments related to investment contracts </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-27 </td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">reclassified to other assets </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-245 </td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">reclassified to insurance contract liabilities </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-323 </td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">reclassified to reinsurance contract assets </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-63 </td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">carried forward </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Other financial assets </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">brought forward </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">669 </td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">reclassified from loans and receivables </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">245 </td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">reclassified to investments </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-219 </td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">reclassified to derivatives assets </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-336 </td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">reclassified to insurance contract liabilities </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-50 </td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">reclassified to other non-financial assets </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-64 </td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">carried forward </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">247 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total amortised cost </b></td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>17,840 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-17,593 </b></td><td class=\"startCol-4 endCol-4 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\"><b>- </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>247 </b></td></tr></tbody></table> <br/>\n<h3 class=\"table-title\">Reconciliation of the carrying amount of financial liabilities under IAS 39 to IFRS 9 on 1 January 2023 - FVTPL </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:auto;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;\"><b>FVTPL </b></th><th class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:middle;\"><b>31 December 2022 (IAS 39) </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Reclassification </b></th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Remeasurement </b></th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>1 January 2023 (IFRS 9) </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\"><b>Liabilities arising from investment contracts </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">brought forward </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">2,000 </td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">reclassified from due to customers </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">27 </td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">reclassified to investments related to investment contracts </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-2,027 </td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">carried forward </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:middle;\"><b>Derivatives liabilities </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">brought forward </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">5,523 </td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">reclassified from other financial liabilities </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">159 </td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">carried forward </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">5,681 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total FVTPL </b></td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>7,523 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-1,842 </b></td><td class=\"startCol-4 endCol-4 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\"><b>- </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>5,681 </b></td></tr></tbody></table> <br/>\n<h3 class=\"table-title\">Reconciliation of the carrying amount of financial liabilities under IAS 39 to IFRS 9 on 1 January 2023 - Amortised cost </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:auto;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;\"><b>Amortised cost </b></th><th class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:middle;\"><b>31 December 2022 (IAS 39) </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Reclassification </b></th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Remeasurement </b></th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>1 January 2023 (IFRS 9) </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\"><b>Subordinated liabilities </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">brought forward </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">1,980 </td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">reclassified from other financial liabilities </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">25 </td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">carried forward </td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2,005 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-left-1 border-right-1\" style=\"text-align:left;vertical-align:middle;\"><b>Borrowings (excluding lease liabilities) </b></td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-left-1 border-right-1\" style=\"text-align:left;vertical-align:middle;\">brought forward </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">152 </td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-left-1 border-right-1\" style=\"text-align:left;vertical-align:middle;\">reclassified to other financial liabilities </td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:bottom;\">-26 </td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-left-1 border-right-1\" style=\"text-align:left;vertical-align:middle;\">carried forward </td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:bottom;\">126 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:middle;\"><b>Due to customers </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">brought forward </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">471 </td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">reclassified to reinsurance contract assets </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-2 </td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">reclassified to insurance contract liabilities </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-278 </td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">reclassified to liabilities arising from direct participating insurance contracts </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-103 </td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">reclassified to liabilities arising from investment contracts </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-27 </td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">reclassified to other liabilities </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-61 </td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">carried forward </td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:middle;\"><b>Due to banks </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">brought forward </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">2,262 </td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">reclassified from other financial liabilities </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2 </td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">carried forward </td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2,264 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:middle;\"><b>Other financial liabilities </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">brought forward </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">200 </td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">reclassified to insurance contract liabilities </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-10 </td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">reclassified to subordinated liabilities </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-26 </td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">reclassified to derivatives liabilities </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-160 </td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">reclassified to due to banks </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-2 </td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">reclassified from due to customers </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">27 </td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">reclassified from borrowings </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">26 </td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">carried forward </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">55 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total amortised cost </b></td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>5,065 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-614 </b></td><td class=\"startCol-4 endCol-4 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\"><b>- </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>4,450 </b></td></tr></tbody></table> <br/>\n<p>The following table contains the reconciliation of the closing impairment allowance in accordance with IAS 39 as at 31 December 2022 with the opening loss allowance determined in accordance with IFRS 9 as at 1 January 2023. </p>\n<h3 class=\"table-title\">Reconciliation of the closing impairment allowance in accordance with IAS 39 as at 31 December 2022 with the opening loss allowance determined in accordance with IFRS 9 as at 1 January 2023 </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:auto;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;\"><b>Impairment of financial assets </b></th><th class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:middle;\"><b>31 December 2022 (IAS 39) </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Reclassification </b></th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Remeasurement </b></th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>1 January 2023 (IFRS 9) </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">Investments at FVTPL from available for sale </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">-227 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">227 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">Equities and similar investments at FVOCI from available for sale </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">-147 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">147 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">Loans and receivables </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">-71 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">27 </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">44 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">Other assets </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-4 </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-4 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total loss allowance </b></td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>-445 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>24 </b></td><td class=\"startCol-4 endCol-4 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>418 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-4 </b></td></tr></tbody></table> <br/>\n<h1 class=\"S_PARAGRAPH\" id=\"n1286208\"><span class=\"number\">7.3.2 </span><span class=\"title-text\">Other changes in presentations </span></h1>\n<p>The current presentation differs from last year\u2019s presentation in some aspects besides IFRS 17 and IFRS 9. Where applicable, in accordance with IFRS, comparative figures have been included in the new presentation format, including related disclosures, to ensure comparability. These changes in presentation have no impact on net result nor equity. </p>\n<p>In accordance with IFRS10 \u201cConsolidated financial statements\u201d definition of control and prompted by the acquisition of Aegon NL, a.s.r. has adopted a change in presentation and as such will no longer consolidate the fund investment contracts and related liabilities of the institution for occupational retirement provision (IORP) entities onto the statement of financial position. The adoption of this policy has no impact on a.s.r.\u2019s past or future financial position, financial performance, or cash flows. The comparative figures have been restated accordingly. </p>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfReclassificationsOrChangesInPresentationExplanatory",
    "language": "en",
    "entity": "scheme:7245000G0HS48PZWUD53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "ixv-538": {
   "value": "\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n1286138\"><span class=\"number\">7.3.1.3 </span><span class=\"title-text\">Financial impact of changes in accounting policies and changes in presentation </span></h1>\n<p>Below, the reconciliation of the 2022 opening and closing consolidated balance sheet is disclosed to account for the impact of IFRS 17 and IFRS 9. </p>\n<div class=\"tanPageBreak newPage\"> </div>\n<h3 class=\"table-title\">Reconciliation of the consolidated balance sheet 31 December 2022 </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:auto;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:middle;\">(in \u20ac\u00a0millions) </th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>31 December 2022 </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Reclassification </b></th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Remeasurement IFRS9 </b></th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Remeasurement IFRS17 </b></th><th class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Restated <br/>31 December 2022 </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Intangible assets </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">418 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">-96 </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">322 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Property, plant and equipment </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1\" style=\"text-align:right;vertical-align:middle;\">679 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">679 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Investment property </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1\" style=\"text-align:right;vertical-align:middle;\">664 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">664 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Associates and joint ventures at equity method </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1\" style=\"text-align:right;vertical-align:middle;\">79 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">79 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Investments </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1\" style=\"text-align:right;vertical-align:middle;\">25,640 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">16,726 </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">-1,289 </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">41,077 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Investments on behalf of policyholders </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1\" style=\"text-align:right;vertical-align:middle;\">9,912 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">-9,912 </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Investments related to direct participating contracts </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">9,912 </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">9,912 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Investments related to investment contracts </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1\" style=\"text-align:right;vertical-align:middle;\">2,000 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">-2,000 </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Loans and receivables </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1\" style=\"text-align:right;vertical-align:middle;\">17,171 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">-17,171 </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Derivatives </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1\" style=\"text-align:right;vertical-align:middle;\">5,428 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">334 </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">5,761 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Deferred tax assets </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1\" style=\"text-align:right;vertical-align:middle;\">119 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">332 </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">-134 </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">318 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Reinsurance contracts </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1\" style=\"text-align:right;vertical-align:middle;\">357 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">-357 </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Reinsurance contract assets </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">418 </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">-37 </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">381 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Other assets </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1\" style=\"text-align:right;vertical-align:middle;\">828 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">-368 </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">460 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Cash and cash equivalents </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">2,245 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-bottom-1 border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">1 </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-bottom-1 border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-bottom-1 border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-bottom-1 border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">2,246 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total assets </b></td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>65,539 </b></td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>-2,417 </b></td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>-956 </b></td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>-267 </b></td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>61,899 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Share capital </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1\" style=\"text-align:right;vertical-align:middle;\">24 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">24 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Share premium reserve </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1\" style=\"text-align:right;vertical-align:middle;\">1,533 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">1,533 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Unrealised gains and losses </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1\" style=\"text-align:right;vertical-align:middle;\">-922 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">1,187 </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">266 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Actuarial gains and losses </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1\" style=\"text-align:right;vertical-align:middle;\">-168 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">-168 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Retained earnings </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1\" style=\"text-align:right;vertical-align:middle;\">5,333 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">-1,185 </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">-956 </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">377 </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">3,569 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Treasury shares </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">-79 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-bottom-1 border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-bottom-1 border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-bottom-1 border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-bottom-1 border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">-79 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Equity attributable to shareholders </b></td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>5,722 </b></td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>3 </b></td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>-956 </b></td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>377 </b></td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>5,146 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Other equity instruments </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">1,004 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-bottom-1 border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-bottom-1 border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-bottom-1 border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-bottom-1 border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">1,004 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Equity attributable to holders of equity instruments </b></td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>6,726 </b></td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>3 </b></td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>-956 </b></td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>377 </b></td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>6,150 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Non-controlling interests </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">27 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-bottom-1 border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-bottom-1 border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-bottom-1 border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-bottom-1 border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">27 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total equity </b></td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>6,753 </b></td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>3 </b></td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>-956 </b></td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>377 </b></td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>6,177 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Subordinated liabilities </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1\" style=\"text-align:right;vertical-align:middle;\">1,980 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">26 </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">2,005 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Liabilities arising from insurance contracts </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1\" style=\"text-align:right;vertical-align:middle;\">29,633 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">-29,633 </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Liabilities arising from insurance contracts on behalf of policyholders </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1\" style=\"text-align:right;vertical-align:middle;\">13,007 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">-13,007 </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Insurance contract liabilities </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">32,150 </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">-509 </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">31,640 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Liabilities arising from direct participating insurance contracts </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">10,598 </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">-135 </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">10,463 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Liabilities arising from investment contracts </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1\" style=\"text-align:right;vertical-align:middle;\">2,000 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">-2,000 </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Employee benefits </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1\" style=\"text-align:right;vertical-align:middle;\">2,742 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">2,742 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Provisions </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1\" style=\"text-align:right;vertical-align:middle;\">18 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">18 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Borrowings </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1\" style=\"text-align:right;vertical-align:middle;\">214 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">-26 </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">188 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Derivatives </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1\" style=\"text-align:right;vertical-align:middle;\">5,523 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">159 </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">5,681 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Due to customers </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1\" style=\"text-align:right;vertical-align:middle;\">471 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">-471 </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Due to banks </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1\" style=\"text-align:right;vertical-align:middle;\">2,262 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">2 </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">2,264 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Other liabilities </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">938 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-bottom-1 border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">-217 </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-bottom-1 border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-bottom-1 border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-bottom-1 border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">721 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total liabilities </b></td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>58,787 </b></td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>-2,420 </b></td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\"><b>- </b></td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>-644 </b></td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>55,723 </b></td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total equity and liabilities </b></td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>65,539 </b></td><td class=\"startCol-3 endCol-3 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>-2,417 </b></td><td class=\"startCol-4 endCol-4 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>-956 </b></td><td class=\"startCol-5 endCol-5 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>-267 </b></td><td class=\"startCol-6 endCol-6 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>61,899 </b></td></tr></tbody></table> <br/>\n<div class=\"tanPageBreak newPage\"> </div>\n<h3 class=\"table-title\">Reconciliation of the consolidated balance sheet 1 January 2022 </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:auto;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:middle;\">(in \u20ac\u00a0millions) </th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>31 December 2021 </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Reclassification </b></th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Remeasurement IFRS9 </b></th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Remeasurement IFRS17 </b></th><th class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Restated <br/>1 January 2022 </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Intangible assets </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">428 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">-119 </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">310 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Property, plant and equipment </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1\" style=\"text-align:right;vertical-align:middle;\">556 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">556 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Investment property </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1\" style=\"text-align:right;vertical-align:middle;\">2,052 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">2,052 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Associates and joint ventures at equity method </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1\" style=\"text-align:right;vertical-align:middle;\">102 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">102 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Investments </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1\" style=\"text-align:right;vertical-align:middle;\">33,550 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">14,602 </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">1,458 </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">49,609 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Investments on behalf of policyholders </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1\" style=\"text-align:right;vertical-align:middle;\">11,574 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">-11,574 </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Investments related to direct participating contracts </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">11,574 </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">11,574 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Investments related to investment contracts </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1\" style=\"text-align:right;vertical-align:middle;\">1,952 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">-1,952 </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Loans and receivables </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1\" style=\"text-align:right;vertical-align:middle;\">15,259 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">-15,259 </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Derivatives </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1\" style=\"text-align:right;vertical-align:middle;\">6,212 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">229 </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">6,441 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Reinsurance contracts </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1\" style=\"text-align:right;vertical-align:middle;\">417 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">-417 </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Reinsurance contract assets </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">488 </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">34 </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">522 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Other assets </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1\" style=\"text-align:right;vertical-align:middle;\">631 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">-71 </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">560 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Cash and cash equivalents </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">2,306 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-bottom-1 border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">-1 </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-bottom-1 border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-bottom-1 border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-bottom-1 border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">2,305 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total assets </b></td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>75,040 </b></td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>-2,382 </b></td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>1,458 </b></td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>-85 </b></td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>74,032 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Share capital </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1\" style=\"text-align:right;vertical-align:middle;\">22 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">22 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Share premium reserve </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1\" style=\"text-align:right;vertical-align:middle;\">956 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">956 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Unrealised gains and losses </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1\" style=\"text-align:right;vertical-align:middle;\">1,461 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">-745 </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">717 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Actuarial gains and losses </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1\" style=\"text-align:right;vertical-align:middle;\">-1,055 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">-1,055 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Retained earnings </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1\" style=\"text-align:right;vertical-align:middle;\">5,061 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">742 </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">1,082 </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">-1,271 </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">5,613 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Treasury shares </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">-83 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-bottom-1 border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-bottom-1 border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-bottom-1 border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-bottom-1 border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">-83 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Equity attributable to shareholders </b></td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>6,363 </b></td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>-3 </b></td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>1,082 </b></td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>-1,271 </b></td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>6,170 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Other equity instruments </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">1,004 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-bottom-1 border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-bottom-1 border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-bottom-1 border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-bottom-1 border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">1,004 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Equity attributable to holders of equity instruments </b></td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>7,367 </b></td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>-3 </b></td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>1,082 </b></td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>-1,271 </b></td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>7,174 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Non-controlling interests </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">18 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-bottom-1 border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-bottom-1 border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-bottom-1 border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-bottom-1 border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">18 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total equity </b></td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>7,385 </b></td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>-3 </b></td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>1,082 </b></td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>-1,271 </b></td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>7,192 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Subordinated liabilities </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1\" style=\"text-align:right;vertical-align:middle;\">992 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">18 </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">1,010 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Liabilities arising from insurance contracts </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1\" style=\"text-align:right;vertical-align:middle;\">37,797 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">-37,797 </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Liabilities arising from insurance contracts on behalf of policyholders </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1\" style=\"text-align:right;vertical-align:middle;\">14,566 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">-14,566 </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Insurance contract liabilities </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">40,383 </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">1,615 </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">41,998 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Liabilities arising from direct participating insurance contracts </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">12,160 </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">15 </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">12,175 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Liabilities arising from investment contracts </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1\" style=\"text-align:right;vertical-align:middle;\">1,952 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">-1,952 </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Employee benefits </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1\" style=\"text-align:right;vertical-align:middle;\">4,013 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">4,013 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Provisions </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1\" style=\"text-align:right;vertical-align:middle;\">24 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">24 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Borrowings </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1\" style=\"text-align:right;vertical-align:middle;\">192 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">-26 </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">165 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Deferred tax liabilities </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1\" style=\"text-align:right;vertical-align:middle;\">69 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">376 </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">-443 </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">3 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Derivatives </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1\" style=\"text-align:right;vertical-align:middle;\">759 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">73 </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">832 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Due to customers </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1\" style=\"text-align:right;vertical-align:middle;\">573 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">-573 </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Due to banks </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1\" style=\"text-align:right;vertical-align:middle;\">5,741 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">5,741 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Other liabilities </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">976 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-bottom-1 border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">-98 </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-bottom-1 border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-bottom-1 border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-bottom-1 border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">878 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total liabilities </b></td><td class=\"startCol-2 endCol-2 valign-middle align-right border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>67,655 </b></td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>-2,379 </b></td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>376 </b></td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>1,187 </b></td><td class=\"startCol-6 endCol-6 valign-middle align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>66,839 </b></td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total equity and liabilities </b></td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>75,040 </b></td><td class=\"startCol-3 endCol-3 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>-2,382 </b></td><td class=\"startCol-4 endCol-4 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>1,458 </b></td><td class=\"startCol-5 endCol-5 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>-85 </b></td><td class=\"startCol-6 endCol-6 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>74,032 </b></td></tr></tbody></table> <br/>\n<p>The adoption of IFRS 9 and 17 has had the following impact on a.s.r.\u2019s basic and diluted earnings per ordinary share for the year ended 31 December 2022: </p><ul><li>\n<p>For basic earnings per share, a decrease of \u20ac\u00a017.83; and </p></li><li>\n<p>For diluted earnings per share, a decrease of \u20ac\u00a015.39. </p></li></ul>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n1286160\"><span class=\"number\">7.3.1.4 </span><span class=\"title-text\">Transition to IFRS 9 </span></h1>\n<p>The following table contains the original measurement category and carrying amount under IAS 39 and the new measurement category and carrying amount under IFRS 9 for each class of financial assets and financial liabilities as at 1 January 2023. Also included are the reclasses related to amongst others the 'dirty' fair value. See accounting policy <a href=\"#n1286373\" title=\"E. Financial assets and financial liabilities\">E</a>. </p>\n<h3 class=\"table-title\">Original measurement category and carrying amount under IAS 39 and the new measurement category and carrying amount under IFRS 9 as at 1 January 2023 </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:0%;\"/><col style=\"width:20%;\"/><col style=\"width:20%;\"/><col style=\"width:12%;\"/><col style=\"width:12%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;\"><b>(in \u20ac\u00a0millions) </b></th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Original classification under IAS 39 </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>New classification under IFRS 9 </b></th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Original carrying amount </b></th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>New carrying amount </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Financial assets </b></td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Investments </b></td><td class=\"startCol-2 endCol-2 valign-top border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Investments - transferred under repurchase agreements </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Government bonds </td><td class=\"startCol-2 endCol-2 valign-bottom align-left border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Available for sale </td><td class=\"startCol-3 endCol-3 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">FVTPL (mandatory) </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">432 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">437 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Investments - own risk </b></td><td class=\"startCol-2 endCol-2 valign-top border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Real estate equity funds </td><td class=\"startCol-2 endCol-2 valign-bottom align-left border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:bottom;\">FVTPL </td><td class=\"startCol-3 endCol-3 valign-bottom align-left border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\">FVTPL (mandatory) </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1\" style=\"text-align:right;vertical-align:bottom;\">4,105 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1\" style=\"text-align:right;vertical-align:bottom;\">4,092 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Mortgage equity funds </td><td class=\"startCol-2 endCol-2 valign-bottom align-left border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">FVTPL </td><td class=\"startCol-3 endCol-3 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">FVTPL (mandatory) </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">684 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">705 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Mortgage equity funds </td><td class=\"startCol-2 endCol-2 valign-bottom align-left border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Available for sale </td><td class=\"startCol-3 endCol-3 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">FVTPL (mandatory) </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">303 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">303 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Government bonds </td><td class=\"startCol-2 endCol-2 valign-bottom align-left border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Available for sale </td><td class=\"startCol-3 endCol-3 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">FVTPL (mandatory) </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">8,794 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">8,872 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Corporate bonds </td><td class=\"startCol-2 endCol-2 valign-bottom align-left border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Available for sale </td><td class=\"startCol-3 endCol-3 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">FVTPL (mandatory) </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">7,188 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">7,272 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Asset-backed securities </td><td class=\"startCol-2 endCol-2 valign-bottom align-left border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Available for sale </td><td class=\"startCol-3 endCol-3 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">FVTPL (mandatory) </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">416 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">413 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Preference shares </td><td class=\"startCol-2 endCol-2 valign-bottom align-left border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Available for sale </td><td class=\"startCol-3 endCol-3 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">FVOCI </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">289 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">297 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Other investment funds </td><td class=\"startCol-2 endCol-2 valign-bottom align-left border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Available for sale </td><td class=\"startCol-3 endCol-3 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">FVTPL (mandatory) </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,596 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,588 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Other investment funds </td><td class=\"startCol-2 endCol-2 valign-bottom align-left border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">FVTPL </td><td class=\"startCol-3 endCol-3 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">FVTPL (mandatory) </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">16 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">16 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Equities </td><td class=\"startCol-2 endCol-2 valign-bottom align-left border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Available for sale </td><td class=\"startCol-3 endCol-3 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">FVOCI </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,743 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,743 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Equities </td><td class=\"startCol-2 endCol-2 valign-bottom align-left border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">FVTPL </td><td class=\"startCol-3 endCol-3 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">FVTPL </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">67 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">67 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Other participating contracts </td><td class=\"startCol-2 endCol-2 valign-bottom align-left border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Available for sale </td><td class=\"startCol-3 endCol-3 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">FVOCI </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">6 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">6 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Government and public sector loans </td><td class=\"startCol-2 endCol-2 valign-bottom align-left border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Amortised Cost </td><td class=\"startCol-3 endCol-3 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">FVTPL (mandatory) </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">221 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">227 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Mortgage loans </td><td class=\"startCol-2 endCol-2 valign-bottom align-left border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Amortised Cost </td><td class=\"startCol-3 endCol-3 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">FVTPL (mandatory) </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">10,366 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">9,074 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Loans to credit institutions </td><td class=\"startCol-2 endCol-2 valign-bottom align-left border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Amortised Cost </td><td class=\"startCol-3 endCol-3 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">FVTPL (mandatory) </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2,627 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2,644 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Other investments </td><td class=\"startCol-2 endCol-2 valign-bottom align-left border-left-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Amortised Cost </td><td class=\"startCol-3 endCol-3 valign-bottom align-left border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">FVTPL (mandatory) </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">3,352 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">3,320 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>42,206 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>41,077 </b></td></tr></tbody></table> <br/>\n<h3 class=\"table-title\">Original measurement category and carrying amount under IAS 39 and the new measurement category and carrying amount under IFRS 9 as at 1 January 2023 </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:0%;\"/><col style=\"width:20%;\"/><col style=\"width:20%;\"/><col style=\"width:12%;\"/><col style=\"width:12%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;\"><b>(in \u20ac\u00a0millions) </b></th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Original classification under IAS 39 </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>New classification under IFRS 9 </b></th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Original carrying amount </b></th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>New carrying amount </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Investments related to direct participating insurance contracts </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Real estate equity funds </td><td class=\"startCol-2 endCol-2 valign-bottom align-left border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">FVTPL </td><td class=\"startCol-3 endCol-3 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">FVTPL (mandatory) </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">170 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">170 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Mortgage equity funds </td><td class=\"startCol-2 endCol-2 valign-bottom align-left border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">FVTPL </td><td class=\"startCol-3 endCol-3 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">FVTPL (mandatory) </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">252 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">252 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Government bonds </td><td class=\"startCol-2 endCol-2 valign-bottom align-left border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">FVTPL </td><td class=\"startCol-3 endCol-3 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">FVTPL (mandatory) </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,526 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,543 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Corporate bonds </td><td class=\"startCol-2 endCol-2 valign-bottom align-left border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">FVTPL </td><td class=\"startCol-3 endCol-3 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">FVTPL (mandatory) </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,386 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,386 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Equities </td><td class=\"startCol-2 endCol-2 valign-bottom align-left border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">FVTPL </td><td class=\"startCol-3 endCol-3 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">FVTPL (mandatory) </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">6,504 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">6,486 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Other investments </td><td class=\"startCol-2 endCol-2 valign-bottom align-left border-left-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">FVTPL </td><td class=\"startCol-3 endCol-3 valign-bottom align-left border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">FVTPL (mandatory) </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">75 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">76 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>9,912 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>9,912 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Investments related to investment contracts </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Real estate equity funds </td><td class=\"startCol-2 endCol-2 valign-bottom align-left border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">FVTPL </td><td class=\"startCol-3 endCol-3 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Not applicable </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">97 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Government bonds </td><td class=\"startCol-2 endCol-2 valign-bottom align-left border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">FVTPL </td><td class=\"startCol-3 endCol-3 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Not applicable </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">261 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Corporate bonds </td><td class=\"startCol-2 endCol-2 valign-bottom align-left border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">FVTPL </td><td class=\"startCol-3 endCol-3 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Not applicable </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">149 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Equities </td><td class=\"startCol-2 endCol-2 valign-bottom align-left border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">FVTPL </td><td class=\"startCol-3 endCol-3 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Not applicable </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,449 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Other investments </td><td class=\"startCol-2 endCol-2 valign-bottom align-left border-left-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">FVTPL </td><td class=\"startCol-3 endCol-3 valign-bottom align-left border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Not applicable </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">44 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>2,000 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Derivatives assets </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-left border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:bottom;\">FVTPL </td><td class=\"startCol-3 endCol-3 valign-bottom align-left border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\">FVTPL (mandatory) </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1\" style=\"text-align:right;vertical-align:bottom;\">5,428 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1\" style=\"text-align:right;vertical-align:bottom;\">5,761 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Other financial assets </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-left border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:bottom;\">Amortised Cost </td><td class=\"startCol-3 endCol-3 valign-bottom align-left border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\">Amortised Cost </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1\" style=\"text-align:right;vertical-align:bottom;\">669 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1\" style=\"text-align:right;vertical-align:bottom;\">247 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Cash and cash equivalents </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-left border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:bottom;\">FVTPL </td><td class=\"startCol-3 endCol-3 valign-bottom align-left border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\">FVTPL (mandatory) </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1\" style=\"text-align:right;vertical-align:bottom;\">2,245 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1\" style=\"text-align:right;vertical-align:bottom;\">2,246 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total financial assets </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>62,459 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>59,243 </b></td></tr></tbody></table> <br/>\n<h3 class=\"table-title\">Original measurement category and carrying amount under IAS 39 and the new measurement category and carrying amount under IFRS 9 as at 1 January 2023 </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:0%;\"/><col style=\"width:20%;\"/><col style=\"width:20%;\"/><col style=\"width:12%;\"/><col style=\"width:12%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;\"><b>(in \u20ac\u00a0millions) </b></th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Original classification under IAS 39 </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>New classification under IFRS 9 </b></th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Original carrying amount </b></th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>New carrying amount </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Financial liabilities </b></td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Subordinated liabilities </td><td class=\"startCol-2 endCol-2 valign-bottom align-left border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Amortised cost </td><td class=\"startCol-3 endCol-3 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Amortised cost </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,980 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2,005 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Liabilities arising from investment contracts </td><td class=\"startCol-2 endCol-2 valign-bottom align-left border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">FVTPL </td><td class=\"startCol-3 endCol-3 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Not applicable </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2,000 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Borrowings (excluding lease liabilities) </td><td class=\"startCol-2 endCol-2 valign-bottom align-left border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Amortised cost </td><td class=\"startCol-3 endCol-3 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Amortised cost </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">152 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">126 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Due to customers </td><td class=\"startCol-2 endCol-2 valign-bottom align-left border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Amortised cost </td><td class=\"startCol-3 endCol-3 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Not applicable </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">471 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Derivatives liabilities </td><td class=\"startCol-2 endCol-2 valign-bottom align-left border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">FVTPL </td><td class=\"startCol-3 endCol-3 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">FVTPL (mandatory) </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">5,523 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">5,681 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Due to banks </td><td class=\"startCol-2 endCol-2 valign-bottom align-left border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Amortised cost </td><td class=\"startCol-3 endCol-3 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Amortised cost </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2,262 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2,264 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Other financial liabilities </td><td class=\"startCol-2 endCol-2 valign-bottom align-left border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Amortised cost </td><td class=\"startCol-3 endCol-3 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Amortised cost </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">200 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">55 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total financial liabilities </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>12,588 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>10,132 </b></td></tr></tbody></table> <br/>\n<h3 class=\"table-title\">Reconciliation of the carrying amount of financial assets under IAS 39 to IFRS 9 on 1 January 2023 - FVTPL </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:0%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;\"><b>FVTPL </b></th><th class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:middle;\"><b>31 December 2022 (IAS 39) </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Reclassification </b></th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Remeasurement </b></th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>1 January 2023 (IFRS 9) </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\"><b>Investments - transferred under repurchase agreements </b></td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:middle;\"><b>Government bonds </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">brought forward </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">reclassified from available for sale </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">432 </td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">reclassified from other assets </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">5 </td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">carried forward </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">437 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-left-1 border-right-1\" style=\"text-align:left;vertical-align:middle;\"><b>Investments - own risk </b></td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:middle;\"><b>Real estate equity funds </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">brought forward </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">4,105 </td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">remeasurement </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">-14 </td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">carried forward </td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">4,092 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:middle;\"><b>Mortgage equity funds </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">brought forward </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">684 </td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">reclassified from available for sale </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">303 </td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">remeasurement </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">21 </td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">carried forward </td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,008 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:middle;\"><b>Government bonds </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">brought forward </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">reclassified from available for sale </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">8,794 </td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">reclassified from other assets </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">77 </td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">carried forward </td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">8,872 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:middle;\"><b>Corporate bonds </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">brought forward </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">reclassified from available for sale </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">7,188 </td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">reclassified from other assets </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">85 </td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">carried forward </td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">7,272 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:middle;\"><b>Asset-backed securities </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">brought forward </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">reclassified from available for sale </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">416 </td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">reclassified from other assets </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2 </td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">remeasurement </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">-4 </td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">carried forward </td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">413 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:middle;\"><b>Other investment funds </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">brought forward </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">16 </td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">reclassified from available for sale </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,596 </td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">remeasurement </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">-7 </td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">carried forward </td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,605 </td></tr></tbody></table> <br/>\n<h3 class=\"table-title\">Reconciliation of the carrying amount of financial assets under IAS 39 to IFRS 9 on 1 January 2023 - FVTPL </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:0%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;\"><b>FVTPL </b></th><th class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:middle;\"><b>31 December 2022 (IAS 39) </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Reclassification </b></th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Remeasurement </b></th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>1 January 2023 (IFRS 9) </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\"><b>Equities </b></td><td class=\"startCol-2 endCol-2 valign-middle align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">67 </td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">67 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:middle;\"><b>Government and public sector loans </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">brought forward </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">reclassified from loans and receivables </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">221 </td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">reclassified from other assets </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2 </td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">remeasurement </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">4 </td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">carried forward </td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">227 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:middle;\"><b>Mortgage loans </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">brought forward </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">reclassified from loans and receivables </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">10,366 </td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">reclassified from other assets </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">22 </td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">remeasurement </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">-1,314 </td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">carried forward </td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">9,074 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:middle;\"><b>Loans to credit institutions </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">brought forward </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">reclassified from loans and receivables </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2,601 </td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">reclassified from other assets </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">3 </td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">reclassified to investments related to investment contracts </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-27 </td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">remeasurement </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">67 </td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">carried forward </td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2,644 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:middle;\"><b>Other investments </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">brought forward </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">reclassified from loans and receivables </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">3,352 </td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">reclassified from other assets </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">10 </td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">remeasurement </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">-42 </td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">carried forward </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">3,320 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:middle;\"><b>Investments related to direct participating insurance contracts </b></td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">9,912 </td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1\" style=\"text-align:right;vertical-align:bottom;\">9,912 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:middle;\"><b>Investments related to investment contracts </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">brought forward </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">2,000 </td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">reclassified from loans and receivables </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">27 </td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">reclassified from liabilities arising from investment contracts </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-2,027 </td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">carried forward </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:middle;\"><b>Derivatives assets </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">brought forward </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">5,428 </td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">reclassified from other assets </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">334 </td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">carried forward </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">5,761 </td></tr></tbody></table> <br/>\n<h3 class=\"table-title\">Reconciliation of the carrying amount of financial assets under IAS 39 to IFRS 9 on 1 January 2023 - FVTPL </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:auto;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;\"><b>FVTPL </b></th><th class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:middle;\"><b>31 December 2022 (IAS 39) </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Reclassification </b></th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Remeasurement </b></th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>1 January 2023 (IFRS 9) </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\"><b>Cash and cash equivalents </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">brought forward </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">2,245 </td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">reclassified from other assets </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1 </td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">carried forward </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2,246 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total FVTPL </b></td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>24,457 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>33,781 </b></td><td class=\"startCol-4 endCol-4 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>-1,289 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>56,950 </b></td></tr></tbody></table> <br/>\n<h3 class=\"table-title\">Reconciliation of the carrying amount of financial assets under IAS 39 to IFRS 9 on 1 January 2023 \u2013 FVOCI </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:0%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;\"><b>FVOCI </b></th><th class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:middle;\"><b>31 December 2022 (IAS 39) </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Reclassification </b></th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Remeasurement </b></th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>1 January 2023 (IFRS 9) </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\"><b>Investments </b></td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:middle;\"><b>Equities </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">brought forward </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">reclassified from available for sale </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,743 </td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">carried forward </td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,743 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:middle;\"><b>Preference shares </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">brought forward </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">reclassified from available for sale </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">289 </td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">reclassified from other assets </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">8 </td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">carried forward </td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">297 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:middle;\"><b>Other participating contracts </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">brought forward </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">reclassified from available for sale </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">6 </td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">carried forward </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">6 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total FVOCI </b></td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\"><b>- </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>2,046 </b></td><td class=\"startCol-4 endCol-4 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\"><b>- </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>2,046 </b></td></tr></tbody></table> <br/>\n<h3 class=\"table-title\">Reconciliation of the carrying amount of financial assets under IAS 39 to IFRS 9 on 1 January 2023 - Available for sale </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:0%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;\"><b>Available for sale </b></th><th class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:middle;\"><b>31 December 2022 (IAS 39) </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Reclassification </b></th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Remeasurement </b></th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>1 January 2023 (IFRS 9) </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\"><b>Investments </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">brought forward </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">20,767 </td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">reclassified to FVTPL </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-18,728 </td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">reclassified to FVOCI </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-2,038 </td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">carried forward </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total available for sale </b></td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>20,767 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-20,767 </b></td><td class=\"startCol-4 endCol-4 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\"><b>- </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td></tr></tbody></table> <br/>\n<h3 class=\"table-title\">Reconciliation of the carrying amount of financial assets under IAS 39 to IFRS 9 on 1 January 2023 \u2013 Amortised cost </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:auto;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;\"><b>Amortised cost </b></th><th class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:middle;\"><b>31 December 2022 (IAS 39) </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Reclassification </b></th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Remeasurement </b></th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>1 January 2023 (IFRS 9) </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\"><b>Loans and receivables </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">brought forward </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">17,171 </td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">reclassified to investments </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-16,513 </td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">reclassified to investments related to investment contracts </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-27 </td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">reclassified to other assets </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-245 </td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">reclassified to insurance contract liabilities </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-323 </td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">reclassified to reinsurance contract assets </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-63 </td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">carried forward </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Other financial assets </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">brought forward </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">669 </td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">reclassified from loans and receivables </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">245 </td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">reclassified to investments </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-219 </td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">reclassified to derivatives assets </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-336 </td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">reclassified to insurance contract liabilities </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-50 </td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">reclassified to other non-financial assets </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-64 </td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">carried forward </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">247 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total amortised cost </b></td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>17,840 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-17,593 </b></td><td class=\"startCol-4 endCol-4 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\"><b>- </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>247 </b></td></tr></tbody></table> <br/>\n<h3 class=\"table-title\">Reconciliation of the carrying amount of financial liabilities under IAS 39 to IFRS 9 on 1 January 2023 - FVTPL </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:auto;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;\"><b>FVTPL </b></th><th class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:middle;\"><b>31 December 2022 (IAS 39) </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Reclassification </b></th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Remeasurement </b></th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>1 January 2023 (IFRS 9) </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\"><b>Liabilities arising from investment contracts </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">brought forward </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">2,000 </td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">reclassified from due to customers </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">27 </td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">reclassified to investments related to investment contracts </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-2,027 </td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">carried forward </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:middle;\"><b>Derivatives liabilities </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">brought forward </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">5,523 </td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">reclassified from other financial liabilities </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">159 </td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">carried forward </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">5,681 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total FVTPL </b></td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>7,523 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-1,842 </b></td><td class=\"startCol-4 endCol-4 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\"><b>- </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>5,681 </b></td></tr></tbody></table> <br/>\n<h3 class=\"table-title\">Reconciliation of the carrying amount of financial liabilities under IAS 39 to IFRS 9 on 1 January 2023 - Amortised cost </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:auto;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;\"><b>Amortised cost </b></th><th class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:middle;\"><b>31 December 2022 (IAS 39) </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Reclassification </b></th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Remeasurement </b></th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>1 January 2023 (IFRS 9) </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\"><b>Subordinated liabilities </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">brought forward </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">1,980 </td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">reclassified from other financial liabilities </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">25 </td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">carried forward </td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2,005 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-left-1 border-right-1\" style=\"text-align:left;vertical-align:middle;\"><b>Borrowings (excluding lease liabilities) </b></td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-left-1 border-right-1\" style=\"text-align:left;vertical-align:middle;\">brought forward </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">152 </td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-left-1 border-right-1\" style=\"text-align:left;vertical-align:middle;\">reclassified to other financial liabilities </td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:bottom;\">-26 </td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-left-1 border-right-1\" style=\"text-align:left;vertical-align:middle;\">carried forward </td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:bottom;\">126 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:middle;\"><b>Due to customers </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">brought forward </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">471 </td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">reclassified to reinsurance contract assets </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-2 </td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">reclassified to insurance contract liabilities </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-278 </td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">reclassified to liabilities arising from direct participating insurance contracts </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-103 </td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">reclassified to liabilities arising from investment contracts </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-27 </td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">reclassified to other liabilities </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-61 </td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">carried forward </td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:middle;\"><b>Due to banks </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">brought forward </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">2,262 </td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">reclassified from other financial liabilities </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2 </td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">carried forward </td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2,264 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:middle;\"><b>Other financial liabilities </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">brought forward </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">200 </td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">reclassified to insurance contract liabilities </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-10 </td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">reclassified to subordinated liabilities </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-26 </td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">reclassified to derivatives liabilities </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-160 </td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">reclassified to due to banks </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-2 </td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">reclassified from due to customers </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">27 </td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">reclassified from borrowings </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">26 </td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">carried forward </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">55 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total amortised cost </b></td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>5,065 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-614 </b></td><td class=\"startCol-4 endCol-4 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\"><b>- </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>4,450 </b></td></tr></tbody></table> <br/>\n<p>The following table contains the reconciliation of the closing impairment allowance in accordance with IAS 39 as at 31 December 2022 with the opening loss allowance determined in accordance with IFRS 9 as at 1 January 2023. </p>\n<h3 class=\"table-title\">Reconciliation of the closing impairment allowance in accordance with IAS 39 as at 31 December 2022 with the opening loss allowance determined in accordance with IFRS 9 as at 1 January 2023 </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:auto;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;\"><b>Impairment of financial assets </b></th><th class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:middle;\"><b>31 December 2022 (IAS 39) </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Reclassification </b></th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Remeasurement </b></th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>1 January 2023 (IFRS 9) </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">Investments at FVTPL from available for sale </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">-227 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">227 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">Equities and similar investments at FVOCI from available for sale </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">-147 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">147 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">Loans and receivables </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">-71 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">27 </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">44 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">Other assets </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-4 </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-4 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total loss allowance </b></td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>-445 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>24 </b></td><td class=\"startCol-4 endCol-4 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>418 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-4 </b></td></tr></tbody></table> <br/>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfReclassificationOfFinancialInstrumentsExplanatory",
    "language": "en",
    "entity": "scheme:7245000G0HS48PZWUD53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "ixv-545": {
   "value": "\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n1286274\"><span class=\"title-text\">A. Estimates and assumptions </span></h1>\n<p>The preparation of the financial statements requires a.s.r. to make estimates, assumptions and judgements in applying accounting policies that have an effect on the reported amounts in the financial statements. These relate primarily to the following: </p><ul><li>\n<p>The fair value and impairments of unlisted financial instruments (see accounting policy <a href=\"#n1286307\" title=\"B. Fair value of assets and liabilities\">B</a> and <a href=\"#n1286373\" title=\"E. Financial assets and financial liabilities\">E</a>); </p></li><li>\n<p>The estimated useful life, residual value and fair value of property, plant and equipment, investment property, and intangible assets (see accounting policy <a href=\"#n1286329\" title=\"C. Intangible assets\">C</a>, <a href=\"#n1286351\" title=\"D. Investment property\">D</a> and <a href=\"#n1286642\" title=\"O. Property, plant and equipment\">O</a>); </p></li><li>\n<p>The measurement of insurance contract liabilities and liabilities arising from direct participating insurance contracts (see chapter <a href=\"#n1288854\" title=\"Assumptions used\">7.5.13.3</a>); </p></li><li>\n<p>Actuarial assumptions used for measuring employee benefit obligations (see <a href=\"#n1289054\" title=\"Employee benefits\">chapter 7.5.15</a>); </p></li><li>\n<p>When forming provisions, the required estimate of existing obligations arising from past events (see <a href=\"#n1289145\" title=\"Provisions\">chapter 7.5.16</a>); </p></li><li>\n<p>The recoverable amount of impaired assets (see accounting policy <a href=\"#n1286307\" title=\"B. Fair value of assets and liabilities\">B</a> and <a href=\"#n1286373\" title=\"E. Financial assets and financial liabilities\">E</a> ); </p></li><li>\n<p>The fair value used to determine the net asset value in acquisitions (see <a href=\"#n1287134\" title=\"Acquisitions\">chapter 7.4.5)</a>. </p></li></ul>\n<p>The estimates and assumptions are based on management\u2019s best knowledge of current facts, actions and events. The actual outcomes may ultimately differ from the results reported earlier on the basis of estimates and assumptions. A detailed explanation of the estimates and assumptions are given in the relevant notes to the consolidated financial statements. </p>\n<p>As from the date of the Aegon NL business combination, harmonisation of assumptions and methods between Aegon NL and a.s.r. has started or is planned. The harmonisation is expected to continue the coming years. The future expected synergies as a result of the Aegon NL business combination are expected to be included in future changes to the expense assumption once they are locked-in through the progress of the integration. </p>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfAccountingJudgementsAndEstimatesExplanatory",
    "language": "en",
    "entity": "scheme:7245000G0HS48PZWUD53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "ixv-546": {
   "value": "\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n1286307\"><span class=\"title-text\">B. Fair value of assets and liabilities </span></h1>\n<p>The fair value is the price that a.s.r. would receive to sell an asset or pay to transfer a liability in an orderly transaction between market participants on the transaction date or reporting date in the principal market for the asset or liability, or in the most advantageous market for the asset or liability and assuming the highest and best use for non-financial assets. Where possible, a.s.r. determines the fair value of assets and liabilities on the basis of quoted prices in an active market. In the absence of an active market for a financial instrument, the fair value is determined using valuation techniques. Although valuation techniques are based on observable market data where possible, results are affected by the assumptions used, such as discount rates and estimates of future cash flows. In the unlikely event that the fair value of a financial instrument cannot be measured, it is carried at cost. </p>\n<div class=\"header header-2\">Fair value hierarchy </div>\n<p>The following three hierarchical levels are used to determine the fair value of financial instruments and non-financial instruments when accounting for assets and liabilities at fair value and disclosing the comparative fair value of assets and liabilities: </p>\n<div class=\"header header-3\">Level 1. Fair value based on quoted prices in an active market </div>\n<p>Level 1 includes assets and liabilities whose value is determined by quoted (unadjusted) prices in the primary active market for identical assets or liabilities. </p>\n<p>A financial instrument is quoted in an active market if: </p><ul><li>\n<p>Quoted prices are readily and regularly available (from an exchange, dealer, broker, sector organisation, third party pricing service, or a regulatory body); and </p></li><li>\n<p>These prices represent actual and regularly occurring transactions on an arm\u2019s length basis. </p></li></ul>\n<p>Financial instruments in this category primarily consist of bonds and equities listed in active markets. Cash and cash equivalents, reverse repurchase agreements and cash collateral received are also included as level 1. </p>\n<div class=\"header header-3\">Level 2. Fair value based on observable market data </div>\n<p>Determining fair value on the basis of Level 2 involves the use of valuation techniques that use inputs other than quoted prices included within Level 1 that are observable for the asset or liability, either directly (that is, as prices) or indirectly (that is derived from prices of identical or similar assets and liabilities). These observable inputs are obtained from a broker or third party pricing service and include: </p><ul><li>\n<p>Quoted prices in active markets for similar (not identical) assets or liabilities; </p></li><li>\n<p>Quoted prices for identical or similar assets or liabilities in inactive markets; </p></li><li>\n<p>Input variables other than quoted prices observable for the asset or liability. These include interest rates and yield curves observable at commonly quoted intervals, volatility, loss ratio, credit risks and default percentages. </p></li></ul>\n<p>This category primarily includes: </p><ol class=\"style-upper-roman\"><li>\n<p>Financial instruments: unlisted fixed-interest preference shares and interest rate contracts; </p></li><li>\n<p>Financial instruments: loans (excluding mortgage loans, reverse repurchase agreements and cash collateral received); </p></li><li>\n<p>Other financial assets and liabilities.<sup class=\"footnote cShowTooltip\" title=\"Not measured at fair value on the balance sheet and for which the fair value is disclosed.\">1 </sup></p></li></ol>\n<div class=\"header header-3\">I. Financial instruments: unlisted fixed-interest preference shares and interest rate contracts </div>\n<p>This category includes unlisted fixed-interest preference shares and interest rate contracts. The valuation techniques for financial instruments use present value calculations and in the case of derivatives, include forward pricing and swap models. The observable market data contains yield curves based on company ratings and characteristics of the unlisted fixed-interest preference shares. </p>\n<div class=\"header header-3\">II. Financial instruments: Loans (excluding mortgage loans, reverse repurchase agreements and cash collateral received) </div>\n<p>The fair value of the loans is based on the discounted cash flow method. It is obtained by calculating the present value based on expected future cash flows and assuming an interest rate curve used in the market that includes an additional spread based on the risk profile of the counterparty. </p>\n<div class=\"header header-3\">III. Other financial assets and liabilities </div>\n<p>For other financial assets and liabilities where the fair value is disclosed these fair values are based on observable market inputs, primarily being the price paid to acquire the asset or received to assume the liability on initial recognition, assuming that the transactions have taken place on an arm\u2019s length basis. Valuation techniques using present value calculations are applied using current interest rates where the payment terms are longer than one year. </p>\n<div class=\"header header-3\">Level 3. Fair value not based on observable market data </div>\n<p>The fair value of the level 3 assets and liabilities are determined in whole or in part using a valuation technique based on assumptions that are not supported by prices from observable current market transactions in the same instrument and for which any significant inputs are not based on available observable market data. The financial assets and liabilities in this category are assessed individually. </p>\n<p>Valuation techniques are used to the extent that observable inputs are not available. The basic principle of fair value measurement is still to determine a fair, arm\u2019s length price. Unobservable inputs therefore reflect management\u2019s own assumptions about the assumptions that market participants would use in pricing the asset or liability (including assumptions about risk). These inputs are generally based on the available observable data (adjusted for factors that contribute towards the value of the asset) and own source information. </p>\n<p>This category primarily includes: </p><ol class=\"style-upper-roman\"><li>\n<p>Financial instruments: private equity investments (or private equity partners) and equity funds third parties directly investing in real estate; </p></li><li>\n<p>Financial instruments: mortgage loans and mortgage equity funds; </p></li><li>\n<p>Investment property, real estate equity funds associates, rural property contracts, buildings for own use and plant (e.g. wind farms); </p></li><li>\n<p>Financial instruments: asset-backed securities. </p></li></ol>\n<div class=\"header header-3\">I. Financial instruments: private equity investments and real estate equity funds third parties </div>\n<p>The main non-observable market input for private equity investments and equity funds third parties directly investing in real estate is the net asset value of the investment as published by the private equity company (or partner) and real estate equity funds respectively. </p>\n<div class=\"header header-3\">II. Financial instruments: mortgage loans and mortgage equity funds </div>\n<p>The fair value of the mortgage loan portfolio is based on the discounted cash flow method. It is obtained by calculating the present value based on expected future cash flows and assuming an interest rate curve used in the market that includes an additional spread based on the risk profile of the counterparty. </p>\n<p>The valuation method used to determine the fair value of the mortgage loan portfolio derives the spread from consumer rates and includes assumptions for originating cost and risks. The method of determining the fair value of the mortgage equity funds is similar to that of mortgage loans. </p>\n<div class=\"header header-3\">III. Investment property, real estate equity funds associates, rural property contracts, buildings for own use and plant </div>\n<p>The following categories of investment properties, buildings for own use and plant is recognised and methods of calculating fair value are distinguished: </p><ul><li>\n<p>Residential \u2013 based on reference transaction and discounted cash flow method; </p></li><li>\n<p>Retail \u2013 based on reference transaction and income capitalisation method; </p></li><li>\n<p>Rural \u2013 based on reference transaction and discounted cash flow method; </p></li><li>\n<p>Offices \u2013 based on reference transaction and discounted cash flow method (including buildings for own use); </p></li><li>\n<p>Other investment property \u2013 based on reference transaction and discounted cash flow method; </p></li><li>\n<p>Property under development \u2013 based on both discounted cash flow and income capitalisation method; </p></li><li>\n<p>Plant - based on reference transaction and discounted cash flow method. </p></li></ul>\n<p>The following valuation methods are available for the calculation of fair value by the external professional appraisers for investment property, including real estate equity funds associates, rural property contracts, buildings for own use and plant: </p>\n<div class=\"header header-4\">Reference transactions </div>\n<p>Independent professional appraisers use transactions in comparable properties and plant as a reference for determining the fair value of the property and plant. The reference transactions of comparable objects are generally based on observable data consisting of the land register \u2018Kadaster\u2019 and the rural land price monitor as published by the Dutch government \u2018grondprijsmonitor\u2019 in an active property market and in some instances accompanied by own use information. </p>\n<p>The external professional appraisers valuate the property or plant using the reference transaction in combination with the following valuation methods to ensure the appropriate valuation of the property: </p><ul><li>\n<p>Discounted cash flow method; </p></li><li>\n<p>Income capitalisation method (property only). </p></li></ul>\n<div class=\"header header-4\">Discounted cash flow method </div>\n<p>Under the discounted cash flow method, fair value is estimated using assumptions regarding the benefits and liabilities of ownership over the asset\u2019s life including an exit or terminal value. This method involves the projection of a series of cash flows on the investment property or plant dependent on the duration of the lease contracts. </p>\n<p>A market-derived discount rate is applied to these projected cash flow series in order to establish the present value of the cash flows associated with the asset. The exit yield is normally determined separately, and differs from the discount rate. </p>\n<p>The duration of the cash flows and the specific timing of inflows and outflows are determined by events such as rent reviews, lease renewal and related re-letting, redevelopment, or refurbishment. The appropriate duration is typically driven by market behaviour, which depends on the class of investment property. Periodic cash flow is typically estimated as gross rental income less vacancy (apart from the rural category), non-recoverable expenses, collection losses, lease incentives, maintenance costs, agent and commission costs and other operating and management expenses. The series of periodic net operating income, along with an estimate of the terminal value anticipated at the end of the projection period, is then discounted. </p>\n<p>For the categories residential, offices and other in applying the discounted cash flow method, the significant inputs are the discount rate and market rental value. These inputs are verified with the following market observable data (that are adjusted to reflect the state and condition, location, development potential etc. of the specific property): </p><ul><li>\n<p>Market rent per square meter for renewals and their respective re-letting rates; </p></li><li>\n<p>Reviewed rent per square meter; </p></li><li>\n<p>Investment transactions of comparable objects; </p></li><li>\n<p>10 Year Dutch Government Bond Yield (%) as published by the DNB. </p></li></ul>\n<p>When applying the discounted cash flow method for rural valuations, the significant inputs are the discount rate and market lease values. These inputs are verified with the following market observable data (that are adjusted to reflect the state and condition, location, development potential etc. of the specific property): </p><ul><li>\n<p>Market value per acre per region in accordance with the \u2018rural land price monitor\u2019; </p></li><li>\n<p>10 Year Dutch Government Bond Yield (%) as published by the DNB. </p></li></ul>\n<div class=\"header header-4\">Income capitalisation method </div>\n<p>Under the income capitalisation method, a property\u2019s fair value is estimated based on the normalised net operating income generated by the property, which is divided by the capitalisation rate (the investor\u2019s rate of return). The difference between gross and net rental income includes the same expense categories as those for the discounted cash flow method with the exception that certain expenses are not measured over time, but included on the basis of a time weighted average, such as the average lease-up costs. Under the income capitalisation method, rents above or below the market rent are capitalised separately. </p>\n<p>The significant inputs for retail valuations are the reversionary yield and the market or reviewed rental value. These inputs are generally verified with the following observable data (that are adjusted to reflect the state and condition, location, development potential etc. of the specific property): </p><ul><li>\n<p>Market rent per square meter for renewals; </p></li><li>\n<p>Reviewed rent per square meter (based on the rent reviews performed in accordance with Section 303, Book 7 of the Dutch Civil Code). </p></li></ul>\n<p>The fair value of investment properties and buildings for own use, are appraised annually. Valuations are conducted by independent professional appraisers who hold recognised and relevant professional qualifications and have recent experience in the location and category of the property being valued. Market value property valuations were prepared in accordance with the Royal Institution of Chartered Surveyors (RICS) Valuation Standards, 7th Edition (the \u2018Red Book\u2019). a.s.r. provides adequate information to the professional appraisers, in order to conduct a comprehensive valuation. The professional appraisers are changed or rotated at least once every three years. </p>\n<div class=\"header header-3\">IV. Financial instruments: asset-backed securities </div>\n<p>The fair value of the asset-backed securities is based on quotes published by an independent data vendor. </p>\n<div class=\"header header-2\">Transfers between levels </div>\n<p>The hierarchical level per individual instrument, or group of instruments, is reassessed at every reporting period. If the instrument, or group of instruments, no longer complies with the criteria of the level in question, it is transferred to the hierarchical level that does meet the criteria. A transfer can for instance be when the market becomes less liquid or when quoted market prices for the instrument are no longer available. </p><ol class=\"footnotes\"><li>Not measured at fair value on the balance sheet and for which the fair value is disclosed. </li></ol>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForFairValueMeasurementExplanatory",
    "language": "en",
    "entity": "scheme:7245000G0HS48PZWUD53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "ixv-547": {
   "value": "\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n1286307\"><span class=\"title-text\">B. Fair value of assets and liabilities </span></h1>\n<p>The fair value is the price that a.s.r. would receive to sell an asset or pay to transfer a liability in an orderly transaction between market participants on the transaction date or reporting date in the principal market for the asset or liability, or in the most advantageous market for the asset or liability and assuming the highest and best use for non-financial assets. Where possible, a.s.r. determines the fair value of assets and liabilities on the basis of quoted prices in an active market. In the absence of an active market for a financial instrument, the fair value is determined using valuation techniques. Although valuation techniques are based on observable market data where possible, results are affected by the assumptions used, such as discount rates and estimates of future cash flows. In the unlikely event that the fair value of a financial instrument cannot be measured, it is carried at cost. </p>\n<div class=\"header header-2\">Fair value hierarchy </div>\n<p>The following three hierarchical levels are used to determine the fair value of financial instruments and non-financial instruments when accounting for assets and liabilities at fair value and disclosing the comparative fair value of assets and liabilities: </p>\n<div class=\"header header-3\">Level 1. Fair value based on quoted prices in an active market </div>\n<p>Level 1 includes assets and liabilities whose value is determined by quoted (unadjusted) prices in the primary active market for identical assets or liabilities. </p>\n<p>A financial instrument is quoted in an active market if: </p><ul><li>\n<p>Quoted prices are readily and regularly available (from an exchange, dealer, broker, sector organisation, third party pricing service, or a regulatory body); and </p></li><li>\n<p>These prices represent actual and regularly occurring transactions on an arm\u2019s length basis. </p></li></ul>\n<p>Financial instruments in this category primarily consist of bonds and equities listed in active markets. Cash and cash equivalents, reverse repurchase agreements and cash collateral received are also included as level 1. </p>\n<div class=\"header header-3\">Level 2. Fair value based on observable market data </div>\n<p>Determining fair value on the basis of Level 2 involves the use of valuation techniques that use inputs other than quoted prices included within Level 1 that are observable for the asset or liability, either directly (that is, as prices) or indirectly (that is derived from prices of identical or similar assets and liabilities). These observable inputs are obtained from a broker or third party pricing service and include: </p><ul><li>\n<p>Quoted prices in active markets for similar (not identical) assets or liabilities; </p></li><li>\n<p>Quoted prices for identical or similar assets or liabilities in inactive markets; </p></li><li>\n<p>Input variables other than quoted prices observable for the asset or liability. These include interest rates and yield curves observable at commonly quoted intervals, volatility, loss ratio, credit risks and default percentages. </p></li></ul>\n<p>This category primarily includes: </p><ol class=\"style-upper-roman\"><li>\n<p>Financial instruments: unlisted fixed-interest preference shares and interest rate contracts; </p></li><li>\n<p>Financial instruments: loans (excluding mortgage loans, reverse repurchase agreements and cash collateral received); </p></li><li>\n<p>Other financial assets and liabilities.<sup class=\"footnote cShowTooltip\" title=\"Not measured at fair value on the balance sheet and for which the fair value is disclosed.\">1 </sup></p></li></ol>\n<div class=\"header header-3\">I. Financial instruments: unlisted fixed-interest preference shares and interest rate contracts </div>\n<p>This category includes unlisted fixed-interest preference shares and interest rate contracts. The valuation techniques for financial instruments use present value calculations and in the case of derivatives, include forward pricing and swap models. The observable market data contains yield curves based on company ratings and characteristics of the unlisted fixed-interest preference shares. </p>\n<div class=\"header header-3\">II. Financial instruments: Loans (excluding mortgage loans, reverse repurchase agreements and cash collateral received) </div>\n<p>The fair value of the loans is based on the discounted cash flow method. It is obtained by calculating the present value based on expected future cash flows and assuming an interest rate curve used in the market that includes an additional spread based on the risk profile of the counterparty. </p>\n<div class=\"header header-3\">III. Other financial assets and liabilities </div>\n<p>For other financial assets and liabilities where the fair value is disclosed these fair values are based on observable market inputs, primarily being the price paid to acquire the asset or received to assume the liability on initial recognition, assuming that the transactions have taken place on an arm\u2019s length basis. Valuation techniques using present value calculations are applied using current interest rates where the payment terms are longer than one year. </p>\n<div class=\"header header-3\">Level 3. Fair value not based on observable market data </div>\n<p>The fair value of the level 3 assets and liabilities are determined in whole or in part using a valuation technique based on assumptions that are not supported by prices from observable current market transactions in the same instrument and for which any significant inputs are not based on available observable market data. The financial assets and liabilities in this category are assessed individually. </p>\n<p>Valuation techniques are used to the extent that observable inputs are not available. The basic principle of fair value measurement is still to determine a fair, arm\u2019s length price. Unobservable inputs therefore reflect management\u2019s own assumptions about the assumptions that market participants would use in pricing the asset or liability (including assumptions about risk). These inputs are generally based on the available observable data (adjusted for factors that contribute towards the value of the asset) and own source information. </p>\n<p>This category primarily includes: </p><ol class=\"style-upper-roman\"><li>\n<p>Financial instruments: private equity investments (or private equity partners) and equity funds third parties directly investing in real estate; </p></li><li>\n<p>Financial instruments: mortgage loans and mortgage equity funds; </p></li><li>\n<p>Investment property, real estate equity funds associates, rural property contracts, buildings for own use and plant (e.g. wind farms); </p></li><li>\n<p>Financial instruments: asset-backed securities. </p></li></ol>\n<div class=\"header header-3\">I. Financial instruments: private equity investments and real estate equity funds third parties </div>\n<p>The main non-observable market input for private equity investments and equity funds third parties directly investing in real estate is the net asset value of the investment as published by the private equity company (or partner) and real estate equity funds respectively. </p>\n<div class=\"header header-3\">II. Financial instruments: mortgage loans and mortgage equity funds </div>\n<p>The fair value of the mortgage loan portfolio is based on the discounted cash flow method. It is obtained by calculating the present value based on expected future cash flows and assuming an interest rate curve used in the market that includes an additional spread based on the risk profile of the counterparty. </p>\n<p>The valuation method used to determine the fair value of the mortgage loan portfolio derives the spread from consumer rates and includes assumptions for originating cost and risks. The method of determining the fair value of the mortgage equity funds is similar to that of mortgage loans. </p>\n<div class=\"header header-3\">III. Investment property, real estate equity funds associates, rural property contracts, buildings for own use and plant </div>\n<p>The following categories of investment properties, buildings for own use and plant is recognised and methods of calculating fair value are distinguished: </p><ul><li>\n<p>Residential \u2013 based on reference transaction and discounted cash flow method; </p></li><li>\n<p>Retail \u2013 based on reference transaction and income capitalisation method; </p></li><li>\n<p>Rural \u2013 based on reference transaction and discounted cash flow method; </p></li><li>\n<p>Offices \u2013 based on reference transaction and discounted cash flow method (including buildings for own use); </p></li><li>\n<p>Other investment property \u2013 based on reference transaction and discounted cash flow method; </p></li><li>\n<p>Property under development \u2013 based on both discounted cash flow and income capitalisation method; </p></li><li>\n<p>Plant - based on reference transaction and discounted cash flow method. </p></li></ul>\n<p>The following valuation methods are available for the calculation of fair value by the external professional appraisers for investment property, including real estate equity funds associates, rural property contracts, buildings for own use and plant: </p>\n<div class=\"header header-4\">Reference transactions </div>\n<p>Independent professional appraisers use transactions in comparable properties and plant as a reference for determining the fair value of the property and plant. The reference transactions of comparable objects are generally based on observable data consisting of the land register \u2018Kadaster\u2019 and the rural land price monitor as published by the Dutch government \u2018grondprijsmonitor\u2019 in an active property market and in some instances accompanied by own use information. </p>\n<p>The external professional appraisers valuate the property or plant using the reference transaction in combination with the following valuation methods to ensure the appropriate valuation of the property: </p><ul><li>\n<p>Discounted cash flow method; </p></li><li>\n<p>Income capitalisation method (property only). </p></li></ul>\n<div class=\"header header-4\">Discounted cash flow method </div>\n<p>Under the discounted cash flow method, fair value is estimated using assumptions regarding the benefits and liabilities of ownership over the asset\u2019s life including an exit or terminal value. This method involves the projection of a series of cash flows on the investment property or plant dependent on the duration of the lease contracts. </p>\n<p>A market-derived discount rate is applied to these projected cash flow series in order to establish the present value of the cash flows associated with the asset. The exit yield is normally determined separately, and differs from the discount rate. </p>\n<p>The duration of the cash flows and the specific timing of inflows and outflows are determined by events such as rent reviews, lease renewal and related re-letting, redevelopment, or refurbishment. The appropriate duration is typically driven by market behaviour, which depends on the class of investment property. Periodic cash flow is typically estimated as gross rental income less vacancy (apart from the rural category), non-recoverable expenses, collection losses, lease incentives, maintenance costs, agent and commission costs and other operating and management expenses. The series of periodic net operating income, along with an estimate of the terminal value anticipated at the end of the projection period, is then discounted. </p>\n<p>For the categories residential, offices and other in applying the discounted cash flow method, the significant inputs are the discount rate and market rental value. These inputs are verified with the following market observable data (that are adjusted to reflect the state and condition, location, development potential etc. of the specific property): </p><ul><li>\n<p>Market rent per square meter for renewals and their respective re-letting rates; </p></li><li>\n<p>Reviewed rent per square meter; </p></li><li>\n<p>Investment transactions of comparable objects; </p></li><li>\n<p>10 Year Dutch Government Bond Yield (%) as published by the DNB. </p></li></ul>\n<p>When applying the discounted cash flow method for rural valuations, the significant inputs are the discount rate and market lease values. These inputs are verified with the following market observable data (that are adjusted to reflect the state and condition, location, development potential etc. of the specific property): </p><ul><li>\n<p>Market value per acre per region in accordance with the \u2018rural land price monitor\u2019; </p></li><li>\n<p>10 Year Dutch Government Bond Yield (%) as published by the DNB. </p></li></ul>\n<div class=\"header header-4\">Income capitalisation method </div>\n<p>Under the income capitalisation method, a property\u2019s fair value is estimated based on the normalised net operating income generated by the property, which is divided by the capitalisation rate (the investor\u2019s rate of return). The difference between gross and net rental income includes the same expense categories as those for the discounted cash flow method with the exception that certain expenses are not measured over time, but included on the basis of a time weighted average, such as the average lease-up costs. Under the income capitalisation method, rents above or below the market rent are capitalised separately. </p>\n<p>The significant inputs for retail valuations are the reversionary yield and the market or reviewed rental value. These inputs are generally verified with the following observable data (that are adjusted to reflect the state and condition, location, development potential etc. of the specific property): </p><ul><li>\n<p>Market rent per square meter for renewals; </p></li><li>\n<p>Reviewed rent per square meter (based on the rent reviews performed in accordance with Section 303, Book 7 of the Dutch Civil Code). </p></li></ul>\n<p>The fair value of investment properties and buildings for own use, are appraised annually. Valuations are conducted by independent professional appraisers who hold recognised and relevant professional qualifications and have recent experience in the location and category of the property being valued. Market value property valuations were prepared in accordance with the Royal Institution of Chartered Surveyors (RICS) Valuation Standards, 7th Edition (the \u2018Red Book\u2019). a.s.r. provides adequate information to the professional appraisers, in order to conduct a comprehensive valuation. The professional appraisers are changed or rotated at least once every three years. </p>\n<div class=\"header header-3\">IV. Financial instruments: asset-backed securities </div>\n<p>The fair value of the asset-backed securities is based on quotes published by an independent data vendor. </p>\n<div class=\"header header-2\">Transfers between levels </div>\n<p>The hierarchical level per individual instrument, or group of instruments, is reassessed at every reporting period. If the instrument, or group of instruments, no longer complies with the criteria of the level in question, it is transferred to the hierarchical level that does meet the criteria. A transfer can for instance be when the market becomes less liquid or when quoted market prices for the instrument are no longer available. </p><ol class=\"footnotes\"><li>Not measured at fair value on the balance sheet and for which the fair value is disclosed. </li></ol>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfFairValueMeasurementExplanatory",
    "language": "en",
    "entity": "scheme:7245000G0HS48PZWUD53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "ixv-548": {
   "value": "\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n1286329\"><span class=\"title-text\">C. Intangible assets </span></h1>\n<p>Intangible assets are carried at cost, less any accumulated amortisation and impairment losses. The residual value and the estimated useful life of intangible assets are assessed on each balance sheet date and adjusted where applicable. </p>\n<div class=\"header header-2\">Goodwill </div>\n<p>Acquisitions by a.s.r. are accounted for using the acquisition method. Goodwill represents the excess of the cost of an acquisition over the fair value of a.s.r.\u2019s share of the net identifiable assets and liabilities and contingent liabilities of the acquired company at acquisition date. If there is no excess (purchase gain), the carrying amount is directly recognised through the income statement. At the acquisition date, goodwill is allocated to the cash-generating units (CGUs) that are expected to benefit from the business combination. </p>\n<p>Goodwill has an indefinite useful life and is not amortised. a.s.r. performs an impairment test annually, or more frequently if events or circumstances warrant so, to ascertain whether goodwill has been subject to impairment. As part of this, the carrying amount of the cash-generating unit to which the goodwill has been allocated is compared with its recoverable amount. The recoverable amount is the higher of a CGU\u2019s fair value less costs to sell and value in use. The carrying value is determined as the net asset value including goodwill. The methodologies applied to arrive at the best estimate of the recoverable amount involves two steps. </p>\n<p>In the first step of the impairment test, the best estimate of the recoverable amount of the CGU to which goodwill is allocated is determined separately based on Price to Earnings or Price to EBITDA ratios (fair value less cost to sell model). The ratio(s) used per CGU depends on the characteristics of the entity in question. The main assumptions in this valuation are the multiples for the aforementioned ratios. These are developed internally but are either derived from or corroborated against market information that is related to observable transactions in the market for comparable businesses. </p>\n<p>If the outcome of the first step indicates that the difference between the recoverable amount and the carrying value may not be sufficient to support the amount of goodwill allocated to the CGU, step two is performed. In step two an additional analysis is performed in order to determine a recoverable amount in a manner that better addresses the specific characteristics of the relevant CGU. </p>\n<p>The additional analysis is based on internal value-in-use models, wherein managements assumptions in relation to cash flow projections for budget periods up to and including five years are used and, if deemed justified, expanded to a longer period given the nature of the insurance activities. Other assumptions, such as the (pre-tax) discount rate and the steady state growth rate, are determined on the advice of an independent external party and are based on a Capital Asset Pricing Model (CAPM). This methodology is based on a risk-free rate plus a risk premium. Operating assumptions are best estimate assumptions and based on historical data where available. Economic assumptions are based on observable market data and projections of future trends. </p>\n<p>If the recoverable amount is lower than its carrying amount, the difference is directly charged to the income statement as an impairment loss. </p>\n<p>In the event of impairment, a.s.r. first reduces the carrying amount of the goodwill allocated to the CGU. After that, the carrying amount of the other assets included in the unit is reduced pro rata to the carrying amount of all the assets in the unit. </p>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n1286465\"><span class=\"title-text\">H. Acquisitions (Business combinations) </span></h1>\n<p>Business acquisitions are accounted for according to the acquisition method, with the cost of the acquisitions being allocated to the fair value of the acquired identifiable assets, liabilities and contingent liabilities. </p>\n<p>The goodwill is determined as the difference between the cost of the acquisition and a.s.r.\u2019s interest in the fair value of the acquired identifiable assets, liabilities and contingent liabilities at the acquisition date. Additionally for insurance contracts acquired that are onerous at the transaction date, the difference between the fair value and the fulfilment cash flows is also part of the goodwill. </p>\n<p>Any change, in the fair value of acquired assets and liabilities at the acquisition date, determined within one year after acquisition, is recognised as an adjustment charged to goodwill in case of a preliminary valuation. Adjustments that occur after a period of one year are recognised in the income statement. Adjustments to the purchase price that are contingent on future events, and to the extent that these are not already included in the purchase price, are included in the purchase price of the acquisition at the time the adjustment is likely and can be measured reliably. </p>\n<p>Where applicable in the notes to the financial statements the acquisitions are recognised in the changes in the composition of the group. </p>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForBusinessCombinationsAndGoodwillExplanatory",
    "language": "en",
    "entity": "scheme:7245000G0HS48PZWUD53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "ixv-549": {
   "value": "\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n1286329\"><span class=\"title-text\">C. Intangible assets </span></h1>\n<p>Intangible assets are carried at cost, less any accumulated amortisation and impairment losses. The residual value and the estimated useful life of intangible assets are assessed on each balance sheet date and adjusted where applicable. </p>\n<div class=\"header header-2\">Goodwill </div>\n<p>Acquisitions by a.s.r. are accounted for using the acquisition method. Goodwill represents the excess of the cost of an acquisition over the fair value of a.s.r.\u2019s share of the net identifiable assets and liabilities and contingent liabilities of the acquired company at acquisition date. If there is no excess (purchase gain), the carrying amount is directly recognised through the income statement. At the acquisition date, goodwill is allocated to the cash-generating units (CGUs) that are expected to benefit from the business combination. </p>\n<p>Goodwill has an indefinite useful life and is not amortised. a.s.r. performs an impairment test annually, or more frequently if events or circumstances warrant so, to ascertain whether goodwill has been subject to impairment. As part of this, the carrying amount of the cash-generating unit to which the goodwill has been allocated is compared with its recoverable amount. The recoverable amount is the higher of a CGU\u2019s fair value less costs to sell and value in use. The carrying value is determined as the net asset value including goodwill. The methodologies applied to arrive at the best estimate of the recoverable amount involves two steps. </p>\n<p>In the first step of the impairment test, the best estimate of the recoverable amount of the CGU to which goodwill is allocated is determined separately based on Price to Earnings or Price to EBITDA ratios (fair value less cost to sell model). The ratio(s) used per CGU depends on the characteristics of the entity in question. The main assumptions in this valuation are the multiples for the aforementioned ratios. These are developed internally but are either derived from or corroborated against market information that is related to observable transactions in the market for comparable businesses. </p>\n<p>If the outcome of the first step indicates that the difference between the recoverable amount and the carrying value may not be sufficient to support the amount of goodwill allocated to the CGU, step two is performed. In step two an additional analysis is performed in order to determine a recoverable amount in a manner that better addresses the specific characteristics of the relevant CGU. </p>\n<p>The additional analysis is based on internal value-in-use models, wherein managements assumptions in relation to cash flow projections for budget periods up to and including five years are used and, if deemed justified, expanded to a longer period given the nature of the insurance activities. Other assumptions, such as the (pre-tax) discount rate and the steady state growth rate, are determined on the advice of an independent external party and are based on a Capital Asset Pricing Model (CAPM). This methodology is based on a risk-free rate plus a risk premium. Operating assumptions are best estimate assumptions and based on historical data where available. Economic assumptions are based on observable market data and projections of future trends. </p>\n<p>If the recoverable amount is lower than its carrying amount, the difference is directly charged to the income statement as an impairment loss. </p>\n<p>In the event of impairment, a.s.r. first reduces the carrying amount of the goodwill allocated to the CGU. After that, the carrying amount of the other assets included in the unit is reduced pro rata to the carrying amount of all the assets in the unit. </p>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n1286642\"><span class=\"title-text\">O. Property, plant and equipment </span></h1>\n<div class=\"header header-2\">Property held for own use and plant </div>\n<p>Property held for own use and plants comprise of land and office buildings and plants like wind farms and are measured at fair value (revaluation model) based on annual valuations, conducted by external, independent valuators with adequate professional expertise and experience in the specific location and categories of properties or plant. </p>\n<p>They are subsequently measured at fair value, including any unrealised fair value changes in equity, taking into account any deferred tax liabilities. For the method of determining the fair value reference is made to accounting policy <a href=\"#n1286307\" title=\"B. Fair value of assets and liabilities\">B</a> for investment property and plant. </p>\n<p>Increase in the fair value exceeding the cost price is added to the revaluation reserve in shareholders\u2019 equity, less deferred taxes. Decreases in the fair value that offset previous increases of the same asset, are charged against the revaluation reserve. The revaluation reserve cannot be negative. All other decreases in fair value are accounted for in the income statement. Increases that reverse a revaluation decrease on the same asset previously recognised in net result are recognised in the income statement. </p>\n<p>Buildings and wind farms are depreciated using the straight-line method based on expected useful life, taking into account their fair value amount, the residual value from the time when it is in the location and condition necessary for it to be capable of operating in the manner intended by management. The useful life of buildings is assessed annually for every individual component (component approach). </p>\n<h3 class=\"table-title\">Property and plant classified into components and their maximum life </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:0%;\"/><col style=\"width:14%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;\"><b>Components </b></th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Useful life (expressed in years) </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Land </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">n.a. </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Shell </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">50 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Outer layer </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">15-30 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Wind turbines </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">25 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Solar panels </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">25 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Systems </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">15-20 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Fittings and fixtures </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">15 </td></tr></tbody></table> <br/>\n<p>Repair and maintenance costs are charged to the income statement in the period in which they are incurred. Expenses incurred after the acquisition of an asset are capitalised if it is probable that the future economic benefits will flow to a.s.r. and the cost of the asset can be measured reliably. </p>\n<p>Upon the sale of a property or plant, the part of the revaluation reserve related to the sold property or plant, within equity, is transferred to \u2018other reserves\u2019 and is not reclassified to the income statement. Therefore annually a transfer is also made from the revaluation reserve related to \u2018other reserves\u2019 in line with the depreciation recognised in the income statement for the revalued portion. </p>\n<div class=\"header header-2\">Equipment </div>\n<p>Equipment is recognised at cost, less accumulated depreciation and / or any accumulated impairment losses. Cost corresponds with the cash paid or the fair value of the consideration given to acquire the asset. </p>\n<p>Equipment is depreciated over its useful life, which is determined individually (usually between three and five years). Repair and maintenance costs are charged to the income statement in the period in which they are incurred. Expenses incurred after the acquisition of an asset are capitalised if it is probable that the future economic benefits will flow to a.s.r. and the cost of the asset can be measured reliably. </p>\n<p>Accounting for borrowing costs attributable to the construction of property, plant and equipment is the same as accounting for borrowing costs attributable to investment property. For details, see accounting policy <a href=\"#n1286351\" title=\"D. Investment property\">D</a>. </p>\n<div class=\"header header-2\">Right-of-use assets </div>\n<p>Right-of-use assets are recognised for lease contracts for which a.s.r. is the lessee. For more information reference is made to accounting policy <a href=\"#n1286782\" title=\"U. Leasing\">U</a>. </p>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n1286782\"><span class=\"title-text\">U. Leasing </span></h1>\n<p>A contract is, or contains, a lease if the contract conveys the right to control the use of an identified asset for a period of time in exchange for a consideration. For contracts that contain a lease component and one or more additional lease or non-lease components a.s.r. applies the practical expedient not to separate non-lease components from lease components. </p>\n<p>At the commencement date of the lease, a.s.r. recognises a right-of-use asset and a lease liability. The right-of-use asset comprises the amount of the lease liability at initial measurement. The lease liability is measured at the present value of the lease payments that are not paid at the commencement date. For vehicles, the lease payments are discounted using the interest rate implicit in the lease. For other leases a.s.r.\u2019s incremental borrowing rate is used. </p>\n<p>Subsequently, the right-of-use asset is valued at cost less any cumulated depreciation and any accumulated impairment losses and adjusted for any remeasurement of the lease liability. The lease liability is increased with interest accrued and reduced for lease payments made. When applicable the lease liability is remeasured for changes in future payments resulting from a change in index or lease term. </p>\n<p>The right-of-use assets are presented under property, plant and equipment. The lease liabilities are presented under borrowings. </p>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForDepreciationExpenseExplanatory",
    "language": "en",
    "entity": "scheme:7245000G0HS48PZWUD53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "ixv-550": {
   "value": "\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n1286329\"><span class=\"title-text\">C. Intangible assets </span></h1>\n<p>Intangible assets are carried at cost, less any accumulated amortisation and impairment losses. The residual value and the estimated useful life of intangible assets are assessed on each balance sheet date and adjusted where applicable. </p>\n<div class=\"header header-2\">Goodwill </div>\n<p>Acquisitions by a.s.r. are accounted for using the acquisition method. Goodwill represents the excess of the cost of an acquisition over the fair value of a.s.r.\u2019s share of the net identifiable assets and liabilities and contingent liabilities of the acquired company at acquisition date. If there is no excess (purchase gain), the carrying amount is directly recognised through the income statement. At the acquisition date, goodwill is allocated to the cash-generating units (CGUs) that are expected to benefit from the business combination. </p>\n<p>Goodwill has an indefinite useful life and is not amortised. a.s.r. performs an impairment test annually, or more frequently if events or circumstances warrant so, to ascertain whether goodwill has been subject to impairment. As part of this, the carrying amount of the cash-generating unit to which the goodwill has been allocated is compared with its recoverable amount. The recoverable amount is the higher of a CGU\u2019s fair value less costs to sell and value in use. The carrying value is determined as the net asset value including goodwill. The methodologies applied to arrive at the best estimate of the recoverable amount involves two steps. </p>\n<p>In the first step of the impairment test, the best estimate of the recoverable amount of the CGU to which goodwill is allocated is determined separately based on Price to Earnings or Price to EBITDA ratios (fair value less cost to sell model). The ratio(s) used per CGU depends on the characteristics of the entity in question. The main assumptions in this valuation are the multiples for the aforementioned ratios. These are developed internally but are either derived from or corroborated against market information that is related to observable transactions in the market for comparable businesses. </p>\n<p>If the outcome of the first step indicates that the difference between the recoverable amount and the carrying value may not be sufficient to support the amount of goodwill allocated to the CGU, step two is performed. In step two an additional analysis is performed in order to determine a recoverable amount in a manner that better addresses the specific characteristics of the relevant CGU. </p>\n<p>The additional analysis is based on internal value-in-use models, wherein managements assumptions in relation to cash flow projections for budget periods up to and including five years are used and, if deemed justified, expanded to a longer period given the nature of the insurance activities. Other assumptions, such as the (pre-tax) discount rate and the steady state growth rate, are determined on the advice of an independent external party and are based on a Capital Asset Pricing Model (CAPM). This methodology is based on a risk-free rate plus a risk premium. Operating assumptions are best estimate assumptions and based on historical data where available. Economic assumptions are based on observable market data and projections of future trends. </p>\n<p>If the recoverable amount is lower than its carrying amount, the difference is directly charged to the income statement as an impairment loss. </p>\n<p>In the event of impairment, a.s.r. first reduces the carrying amount of the goodwill allocated to the CGU. After that, the carrying amount of the other assets included in the unit is reduced pro rata to the carrying amount of all the assets in the unit. </p>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForGoodwillExplanatory",
    "language": "en",
    "entity": "scheme:7245000G0HS48PZWUD53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "ixv-551": {
   "value": "\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n1286329\"><span class=\"title-text\">C. Intangible assets </span></h1>\n<p>Intangible assets are carried at cost, less any accumulated amortisation and impairment losses. The residual value and the estimated useful life of intangible assets are assessed on each balance sheet date and adjusted where applicable. </p>\n<div class=\"header header-2\">Goodwill </div>\n<p>Acquisitions by a.s.r. are accounted for using the acquisition method. Goodwill represents the excess of the cost of an acquisition over the fair value of a.s.r.\u2019s share of the net identifiable assets and liabilities and contingent liabilities of the acquired company at acquisition date. If there is no excess (purchase gain), the carrying amount is directly recognised through the income statement. At the acquisition date, goodwill is allocated to the cash-generating units (CGUs) that are expected to benefit from the business combination. </p>\n<p>Goodwill has an indefinite useful life and is not amortised. a.s.r. performs an impairment test annually, or more frequently if events or circumstances warrant so, to ascertain whether goodwill has been subject to impairment. As part of this, the carrying amount of the cash-generating unit to which the goodwill has been allocated is compared with its recoverable amount. The recoverable amount is the higher of a CGU\u2019s fair value less costs to sell and value in use. The carrying value is determined as the net asset value including goodwill. The methodologies applied to arrive at the best estimate of the recoverable amount involves two steps. </p>\n<p>In the first step of the impairment test, the best estimate of the recoverable amount of the CGU to which goodwill is allocated is determined separately based on Price to Earnings or Price to EBITDA ratios (fair value less cost to sell model). The ratio(s) used per CGU depends on the characteristics of the entity in question. The main assumptions in this valuation are the multiples for the aforementioned ratios. These are developed internally but are either derived from or corroborated against market information that is related to observable transactions in the market for comparable businesses. </p>\n<p>If the outcome of the first step indicates that the difference between the recoverable amount and the carrying value may not be sufficient to support the amount of goodwill allocated to the CGU, step two is performed. In step two an additional analysis is performed in order to determine a recoverable amount in a manner that better addresses the specific characteristics of the relevant CGU. </p>\n<p>The additional analysis is based on internal value-in-use models, wherein managements assumptions in relation to cash flow projections for budget periods up to and including five years are used and, if deemed justified, expanded to a longer period given the nature of the insurance activities. Other assumptions, such as the (pre-tax) discount rate and the steady state growth rate, are determined on the advice of an independent external party and are based on a Capital Asset Pricing Model (CAPM). This methodology is based on a risk-free rate plus a risk premium. Operating assumptions are best estimate assumptions and based on historical data where available. Economic assumptions are based on observable market data and projections of future trends. </p>\n<p>If the recoverable amount is lower than its carrying amount, the difference is directly charged to the income statement as an impairment loss. </p>\n<p>In the event of impairment, a.s.r. first reduces the carrying amount of the goodwill allocated to the CGU. After that, the carrying amount of the other assets included in the unit is reduced pro rata to the carrying amount of all the assets in the unit. </p>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n1286373\"><span class=\"title-text\">E. Financial assets and financial liabilities </span></h1>\n<p>a.s.r. has chosen to restate the comparative figures for financial assets and liabilities in line with IFRS 9 and the classification overlay approach in accordance with the amendment to IFRS 17 Insurance Contracts: Initial Application of IFRS 17 and IFRS 9 \u2013 Comparative Information. This option results in more useful comparative information. </p>\n<div class=\"header header-2\">Recognition and initial measurement </div>\n<p>a.s.r. recognises deposits and loans and borrowings on the date on which they originate. All other financial instruments are recognised at the transaction date, which is the date on which a.s.r. becomes party to the contractual stipulations of the instrument. </p>\n<p>Financial assets or financial liabilities are initially measured at fair value plus, for a financial asset or financial liability not measured at FVTPL, transaction costs that are directly attributable to its acquisition or issue. </p>\n<div class=\"header header-2\">Classification and subsequent measurement </div>\n<p>When a.s.r. becomes party to a financial asset contract, the related assets are classified into one of the following categories: </p><ul><li>\n<p>Amortised cost; </p></li><li>\n<p>Financial assets at fair value through other comprehensive income (FVOCI); or </p></li><li>\n<p>Financial assets at fair value through profit or loss (FVTPL). </p></li></ul>\n<p>The classification of the financial assets is determined at initial recognition. The classification and measurement of certain financial assets (debt instruments) is based on a.s.r.\u2019s business models in which a financial asset is managed, and its contractual cash flow characteristics. For detailed information on the fair value of the financial assets see accounting policy <a href=\"#n1286307\" title=\"B. Fair value of assets and liabilities\">B</a>. </p>\n<div class=\"header header-2\">Financial assets at amortised cost </div>\n<p>A financial asset (debt instrument) can be measured at amortised cost if it meets both of the following conditions and is not designated as FVTPL: </p><ul><li>\n<p>It is held within a business model whose objective is to hold assets to collect contractual cash flows; and </p></li><li>\n<p>Its contractual terms give rise on specified dates to cash flows that are solely payments of principal and interest on the principal amount outstanding. This is known as the SPPI test. </p></li></ul>\n<p>Debt instruments at amortised cost include mortgage loans and private loans held by Aegon Bank N.V. (Knab) and Aegon Hypotheken B.V. (Aegon hypotheken). </p>\n<p>Financial assets that are designated as hedged items are measured in accordance with the requirements for hedge accounting. </p>\n<div class=\"header header-2\">Financial assets at FVOCI </div>\n<p>Financial assets at FVOCI can be divided into debt instruments and equity instruments. </p>\n<p>A debt instrument can be measured at FVOCI if it meets both the following conditions and is not designated as at FVTPL: </p><ul><li>\n<p>It is held within a business model whose objective is achieved by both collecting contractual cash flows and selling financial assets; and </p></li><li>\n<p>Its contractual terms give rise on specified dates to cash flows that are solely payments of principal and interest on the principal amount outstanding. </p></li></ul>\n<p>Debt instruments at FVOCI are measured at fair value. Unrealised fair value gains and losses are recognised in other comprehensive income, and are subsequently reclassified to profit or loss when realised. Interest income is recognised in profit or loss using the effective interest rate. Debt instruments at FVOCI are subject to the impairment requirements. </p>\n<p>a.s.r. has only classified the bonds portfolio held by Knab and Aegon hypotheken at FVOCI. </p>\n<p>Equity instruments are measured at FVOCI if they are not held for trading and are not designated as at FVTPL. There is no subsequent recycling of fair value gains and losses to profit or loss following the derecognition of the investment if elected to measure the equity investments as FVOCI. </p>\n<p>a.s.r. classifies its equity instruments at FVOCI to reduce volatility in the income statement. </p>\n<div class=\"header header-2\">Financial assets at FVTPL </div>\n<p>All financial assets not classified as measured at amortised cost or FVOCI, as described above, are measured at FVTPL. </p>\n<p>Financial assets at FVTPL include: </p><ul><li>\n<p>Derivatives that do not qualify for hedge accounting; </p></li><li>\n<p>Financial assets that are managed and whose performance is evaluated on a fair value basis, such as: </p><ul><li>\n<p>Debt instruments for which a.s.r. has identified the business model Other; </p></li><li>\n<p>Investments related to direct participating contracts; </p></li><li>\n<p>Financial assets held for trading; </p></li></ul></li><li>\n<p>Associates for which a.s.r. elects to measure at FVTPL under IFRS 9. </p></li></ul>\n<div class=\"header header-3\">Hedge accounting (see also risk management section in chapter 7.8) </div>\n<p>To qualify for hedge accounting, the hedge relationship is designated and formally documented at inception, detailing the particular risk management objective and strategy for the hedge (which includes the item and risk that is being hedged), the derivative that is being used and how hedge effectiveness is being assessed. A derivative has to be effective in accomplishing the objective of offsetting either changes in fair value or cash flows for the risk being hedged. The effectiveness of the hedging relationship is evaluated on a prospective and retrospective basis using qualitative and quantitative measures of correlation. A hedging relationship is considered effective if the results of the hedging instrument are within a ratio of 80% to 125% of the results of the hedged item. a.s.r. has elected to continue to apply the hedge accounting requirements of IAS 39 for macro fair value hedges (EU \u2018carve out\u2019) on adoption of IFRS 9. </p>\n<p>As part of its asset liability management, a.s.r. enters into economic hedges to limit its risk exposure at Knab and Aegon hypotheken. These transactions are assessed to determine whether hedge accounting can and should be applied. a.s.r. currently applies hedge accounting for fair value hedges. </p>\n<div class=\"header header-4\">Fair value hedges </div>\n<p>a.s.r. applies fair value hedge accounting to portfolio hedges of interest rate risk (fair value macro hedging) under the EU \u2018carve out\u2019 of EU-IFRS. The EU \u2018carve out\u2019 macro hedging enables a group of derivatives (or proportions thereof) to be viewed in combination and jointly designated as the hedging instrument and removes some of the limitations in fair value hedge accounting. Under the EU \u2018carve out\u2019, ineffectiveness in fair value hedge accounting only arises when the revised projection of the amount of cash flows in scheduled time buckets falls below the designated amount of that bucket. a.s.r. applies fair value hedge accounting for portfolio hedges of interest rate risk (macro hedging) under the EU \u2018carve out\u2019 to mortgage loans. Changes in the fair value of the derivatives are recognised in the income statement, together with the fair value adjustment on the mortgage loans (hedged items) insofar as attributable to interest rate risk (the hedged risk). If the hedge relationship no longer meets the criteria for hedge accounting, the cumulative adjustment of the hedged item is, in the case of interest bearing instruments, amortised through the income statement over the remaining term of the original hedge or recognised directly when the hedged item is derecognised. </p>\n<p>Knab and Aegon hypotheken hold portfolios of long-term fixed rate mortgages and therefore are exposed to changes in fair value due to movements in market interest rates. Knab and Aegon hypotheken manage this risk exposure by entering into pay fixed/receive floating interest rate swaps. </p>\n<p>Only the interest rate risk element is hedged and therefore other risks, such as credit risk, are managed but not hedged by Knab and Aegon hypotheken. This hedging strategy is applied to the portion of exposure that is not naturally offset against matching positions held by Knab and Aegon hypotheken. Changes in fair value of the long-term fixed rate mortgages arising from changes in interest rate are usually the largest component of the overall change in fair value. This strategy is designated as a fair value hedge and its effectiveness is assessed by comparing changes in the fair value of the loans attributable to changes in the benchmark rate of interest with changes in the fair value of the interest rate swaps. </p>\n<p>Knab and Aegon hypotheken establish the hedging ratio by matching the notional of the derivatives with the principal of the portfolio being hedged. Possible sources of ineffectiveness are as follows: </p><ul><li>\n<p>Differences between the expected and actual volume of prepayments, as Knab and Aegon hypotheken hedge to the expected repayment date taking into account expected prepayments based on past experience; </p></li><li>\n<p>Difference in the discounting between the hedged item and the hedging instrument, as cash collateralised interest rate swaps are discounted using Overnight Indexed Swaps (OIS) discount curves, which are not applied to the fixed rate mortgages; </p></li><li>\n<p>Hedging derivatives with a non-zero fair value at the date of initial designation as a hedging instrument; and </p></li><li>\n<p>Counterparty credit risk which impacts the fair value of uncollateralised interest rate swaps but not the hedged items. </p></li></ul>\n<p>Knab and Aegon hypotheken manage the interest rate risk arising from fixed rate mortgages by entering into interest rate swaps on a monthly basis. The exposure from these portfolios frequently changes due to new loans originated, contractual repayments and early prepayments made by customers in each period. As a result, Knab and Aegon hypotheken adopt a dynamic hedging strategy (sometime referred to as a \u2018macro\u2019 or \u2018portfolio\u2019 hedge) to hedge the exposure profile by closing and entering into new swap agreements at each month-end. Knab and Aegon hypotheken use the portfolio fair value hedge of interest rate risk to recognise fair value changes related to changes in interest rate risk in the mortgage portfolio, and therefore reduce the profit or loss volatility that would\u00a0 otherwise arise from changes in fair value of the interest rate swaps alone. </p>\n<div class=\"header header-2\">Accrued interest </div>\n<p>In line with Solvency II reporting a.s.r. accounts for debt instruments at their \u201cdirty\u201d fair value, thus including any related accrued interest. </p>\n<div class=\"header header-2\">Business model assessment </div>\n<p>The business model is determined at a level that reflects how groups of financial assets are managed together to achieve a particular business objective. a.s.r.\u2019s business models refer to how a.s.r. manages its financial assets in order to generate cash flows. </p>\n<p>a.s.r. identifies the business model Hold to Collect for the mortgage loans and private loans held by Knab and Aegon hypotheken and for its other financial assets, and identifies the business model Held to Collect &amp; Sell for the bonds portfolio held by Knab. All other debt instruments are mandatorily designated as at FVTPL (business model Other). </p>\n<div class=\"header header-2\">Assessment whether contractual cash flows are solely payments of principal and interest (SPPI) </div>\n<p>For the purpose of this assessment, principal is defined as the fair value of the financial asset on initial recognition. However, the principal may change over time \u2013 e.g. if there are repayments of principal. </p>\n<p>Interest is defined as consideration for the time value of money, for the credit risk associated with the principal amount outstanding during a particular period of time and for other basic lending risks (e.g. liquidity risk) and costs (e.g. administrative costs), as well as a profit margin that is consistent with a basic lending arrangement. Financial assets with embedded derivatives are considered in their entirety when determining whether their cash flows are SPPI. </p>\n<p>a.s.r. assesses the SPPI for the loans and bonds portfolio held by Knab and Aegon hypotheken and for its other financial assets. All other debt instruments are mandatorily designated as at FVTPL (business model Other). </p>\n<div class=\"header header-2\">Subsequent measurement and gains and losses </div>\n<div class=\"header header-3\">Financial assets at amortised cost </div>\n<p>Financial assets at amortised cost are measured at amortised cost using the effective interest method. Interest income, foreign exchange gains and losses and impairment are recognised in profit or loss. Any gain or loss on derecognition is also recognised in profit or loss. </p>\n<div class=\"header header-3\">Financial assets at FVOCI </div>\n<p>Equity investments at FVOCI are measured at fair value. All fair value gains and losses are recorded in OCI, without recycling to profit or loss. Dividends from such investments continue to be recognised in profit or loss as Investment income when a.s.r.\u2019s right to receive payments is established. Impairment requirements are not applicable to equity investments measured as FVOCI. </p>\n<div class=\"header header-3\">Financial assets at FVTPL </div>\n<p>Financial assets at FVTPL are measured at fair value. Net gains and losses, including any interest or dividend income and foreign exchange gains and losses, are recognised in profit or loss. Impairment requirements are not applicable to financial assets measured at FVTPL. </p>\n<p>See accounting policy <a href=\"#n1286848\" title=\"V3. Investment income\">V3</a>. </p>\n<div class=\"header header-2\">Financial liabilities </div>\n<div class=\"header header-2\">Classification </div>\n<p>a.s.r. classifies its liabilities into one of the following categories: </p><ul><li>\n<p>financial liabilities at FVTPL (derivatives); or </p></li><li>\n<p>financial liabilities at amortised cost (all other financial liabilities). </p></li></ul>\n<div class=\"header header-2\">Subsequent measurement and gains and losses </div>\n<div class=\"header header-3\">Financial liabilities at FVTPL </div>\n<p>Financial liabilities at FVTPL are measured at fair value. Net gains and losses, including any interest expenses and foreign exchange gains and losses, are recognised in profit or loss. </p>\n<div class=\"header header-3\">Financial liabilities at amortised cost </div>\n<p>Financial liabilities at amortised cost are measured at amortised cost using the effective interest method. Interest expenses, foreign exchange gains and losses are recognised in profit or loss. Any gain or loss on derecognition is also recognised in profit or loss. </p>\n<div class=\"header header-2\">Accrued interest </div>\n<p>In line with Solvency II reporting a.s.r. accounts for financial liabilities at their \u201cdirty\u201d fair value, thus including any related accrued interest. </p>\n<div class=\"header header-2\">Interest on financial liabilities </div>\n<p>Interest expenses are calculated by applying the effective interest rate to the amortised cost of the liability. When calculating the effective interest rate, a.s.r. estimates future cash flows considering all contractual terms of the liability. </p>\n<div class=\"header header-2\">Derivatives including embedded derivatives </div>\n<p>Derivatives within the insurance entities are primarily used by a.s.r. for hedging interest rate and exchange rate risks, for hedging future transactions and the exposure to market risks. </p>\n<p>These derivatives are classified as held-for-trading. Derivatives are measured at fair value with changes in fair value recognised in profit or loss. Derivatives may be embedded in another contractual arrangement (a host contract). </p>\n<p>For contracts where the host contract is a financial asset in the scope of IFRS 9, the hybrid financial instrument as a whole is assessed for classification and the embedded derivative is not separated from the host contract. </p>\n<p>A derivative embedded in a host insurance or reinsurance contract is not accounted for separately from the host contract if the embedded derivate itself meets the definition of an insurance or reinsurance contract. </p>\n<p>For other contracts, a.s.r. accounts for an embedded derivative separately from the host contract when: </p><ul><li>\n<p>the hybrid contract is not measured at FVTPL; </p></li><li>\n<p>the terms of the embedded derivative would have met the definition of a derivative if they were contained in a separate contract; and </p></li><li>\n<p>the economic characteristics and risks of the embedded derivative are not closely related to those of the host contract. </p></li></ul>\n<div class=\"header header-2\">Impairments in the P&amp;L </div>\n<p>a.s.r. recognises loss allowances for ECL on debt instruments measured at amortised cost or FVOCI. a.s.r. uses the low credit risk simplification for investment grade debt instruments and recognises a lifetime ECL for other financial assets using the simplified approach. Lifetime ECL are the ECL that result from all possible default events over the expected life of a financial instrument. </p>\n<p>ECLs are a probability-weighted estimate of credit losses. Credit losses are measured as the present value of all cash shortfalls (i.e. the difference between the cash flows due to a.s.r. in accordance with the contract and the cash flows that a.s.r. expects to receive). The maximum period considered when estimating ECLs is the maximum contractual period over which a.s.r. is exposed to credit risk. </p>\n<div class=\"header header-3\">Write-off </div>\n<p>The gross carrying amount of a financial asset is written off (either partially or in full) to the extent that there is no realistic prospect of recovery. This is generally the case when a.s.r. determines that the borrower does not have assets or resources of income that could generate sufficient cash flows to repay the amounts subject to the write-off. However, financial assets that are written off could still be subject to enforcement activities in order to comply with a.s.r.\u2019s procedures for recovery of amounts due. Should amounts be recovered these are then recognised when the payment has been received. </p>\n<div class=\"header header-2\">Derecognition and contract modification </div>\n<div class=\"header header-2\">Financial assets </div>\n<p>a.s.r. derecognises a financial asset when the contractual rights to the cash flows from the financial asset expire, or it transfers the rights to receive the contractual cash flows in a transaction in which substantially all of the risks and rewards of ownership of the financial asset are transferred or in which a.s.r. neither transfers nor retains substantially all of the risks and rewards of ownership and it does not retain control of the financial asset. </p>\n<p>On derecognition of a financial asset, the difference between the carrying amount at the date of derecognition and the consideration received (including any new asset obtained less any new liability assumed) is recognised in the income statement, unless the financial asset is an equity instrument and is measured at fair value through other comprehensive income. For these instruments any revaluation amount is transferred within equity from unrealised gains and losses to retained earnings. </p>\n<p>a.s.r. enters into transactions whereby it transfers assets recognised in its balance sheet, but retains either all or substantially all of the risks and rewards of the transferred assets. In these cases, the transferred assets are not derecognised. Examples of such transactions are repurchase agreements, securities lending and reverse repurchase agreements. The asset recognised for cash collateral paid on reverse repurchase agreements is presented under investments. The liability recognised for cash collateral received on repurchase agreements is presented under the line item due to banks. </p>\n<p>In transactions in which a.s.r. neither retains nor transfers substantially all of the risks and rewards of ownership of a financial asset and it retains control over the asset, a.s.r. continues to recognise the asset to the extent of its continuing involvement, determined by the extent to which it is exposed to changes in the value of the transferred asset. </p>\n<p>If the terms of a financial asset are modified, then a.s.r. evaluates whether the cash flows of the modified asset are substantially different. If the cash flows are substantially different, then the contractual rights to cash flows from the original financial asset are deemed to have expired. In this case, the original financial asset is derecognised and a new financial asset is recognised at fair value. </p>\n<p>If a financial asset measured at amortised cost is modified but not substantially, then the financial asset is not derecognised. If the asset has not been derecognised, then a.s.r. recalculates the gross carrying amount of the financial asset by discounting the modified contractual cash flows at the original effective interest rate and recognises the resulting adjustment to the gross carrying amount as a modification gain or loss in profit or loss. If such a modification is carried out because of financial difficulties of the borrower, then the gain or loss is presented together with impairment losses; in other cases, it is presented as interest revenue. </p>\n<div class=\"header header-2\">Financial liabilities </div>\n<p>a.s.r. generally derecognises a financial liability when its contractual obligations expire or are discharged or cancelled. a.s.r. also derecognises a financial liability when its terms are modified and the cash flows of the modified liability are substantially different (i.e. the net present value of the of the cash flows under the new terms discounted at the original effective interest rate is at least 10% different from the discounted present value of the remaining cash flows of the original debt instrument), in which case a new financial liability based on the modified terms is recognised at fair value. </p>\n<p>On derecognition of a financial liability, the difference between the carrying amount extinguished and the consideration paid (including any non-cash assets transferred or liabilities assumed) is recognised in profit or loss. </p>\n<p>If a financial liability measured at amortised cost is not substantially modified, then it is not derecognised. For such financial liabilities, a.s.r. recalculates the amortised cost of the financial liability by discounting the modified contractual cash flows at the original effective interest rate and recognises any resulting adjustment to the amortised cost as a modification gain or loss in \u2018other finance expenses\u2019 in profit or loss. Any costs and fees incurred adjust the carrying amount of the liability and are amortised over the remaining term of the modified liability. </p>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n1286420\"><span class=\"title-text\">F2. Reinsurance contracts </span></h1>\n<div class=\"header header-2\">Classification </div>\n<p>Contracts held by a.s.r. under which it transfers significant insurance risk related to insurance contracts are classified as reinsurance contracts. a.s.r. does not issue reinsurance contracts. </p>\n<div class=\"header header-2\">Separating components and Level of aggregation </div>\n<p>The accounting principles for the separation of components do not differ from those for insurance contracts. For the determination of the level of aggregation for reinsurance contracts the accounting principles are the same with the exception that a reinsurance contract cannot be classified as onerous. </p>\n<div class=\"header header-2\">Recognition </div>\n<p>a.s.r. recognises a group of reinsurance contracts held that do not provide proportionate coverage at the earlier of (i) the beginning of the coverage period of the group of reinsurance contracts held; and (ii) the date a.s.r. recognises an onerous group of underlying contracts if a.s.r. entered into the related reinsurance contract held at or before that date. </p>\n<div class=\"header header-2\">Contract boundaries </div>\n<p>The measurement of a group of reinsurance contracts held includes all of the future cash flows within the boundary of each contract in the group. Cash flows are within the boundary of a contract if they arise from substantive rights and obligations that exist during the reporting period under which a.s.r. has a right to receive services from the reinsurer and is compelled to pay premiums. </p>\n<div class=\"header header-2\">Measurement \u2013 contracts under the PAA </div>\n<p>a.s.r. uses the PAA as the default measurement approach for reinsurance contracts with a coverage period of one year or less, but the business line has the option to choose the GMM. </p>\n<p>To measure a group of reinsurance contracts a.s.r. applies the same accounting policies for the related insurance contracts, adapted where necessary to reflect the features of reinsurance contracts held that differ from those of the insurance contracts. </p>\n<div class=\"header header-2\">Measurement \u2013 contracts under the GMM </div>\n<p>a.s.r. applies the same accounting policies for insurance contracts to measure a group of reinsurance contracts, with the following modifications. </p>\n<p>The carrying amount of a group of reinsurance contracts at each reporting date is the sum of the remaining coverage component and the incurred claims component. The remaining coverage component comprises: </p><ul><li>\n<p>The fulfilment cash flows that relate to services that will be received under the contracts in future periods including the risk adjustment; and </p></li><li>\n<p>Any remaining CSM at that date. </p></li></ul>\n<p>a.s.r. measures the estimates of the present value of future cash flows using assumptions that are consistent with those used to measure the estimates of the present value of future cash flows for the underlying insurance contracts. </p>\n<div class=\"header header-3\">Loss-recovery component </div>\n<p>a.s.r. determines a loss-recovery component of the asset for remaining coverage of a group of reinsurance contracts held when a.s.r. recognises a recovery of a loss on initial recognition of an onerous group of underlying contracts as well as for subsequent measurement of the recovery of losses. This loss-recovery component is accounted for in a manner consistent with the loss component of the group of underlying insurance contracts issued. As such, as cedant, a.s.r. determines the resulting amount of the loss-recovery at initial recognition to be recognised in profit or loss by multiplying: </p><ul><li>\n<p>The loss recognised on the group of underlying insurance contracts; and </p></li><li>\n<p>The percentage of claims on underlying contracts a.s.r. expects to recover from the group of reinsurance contracts held. </p></li></ul>\n<p>After a.s.r. has established a loss-recovery component, it shall adjust it to reflect changes in the loss component of the underlying contracts. Therefore, the balance of loss-recovery component needs to be tracked along the fulfilment of the reinsurance group and run off to zero at the end of the reinsurance coverage period or earlier when the loss component on the underlying group(s) has been fully reversed. The carrying amount of the loss recovery component shall not exceed the portion of the carrying amount of the loss component of the underlying insurance contracts that a.s.r. expects to recover from the group of reinsurance contracts held. </p>\n<p>The risk adjustment for non-financial risk is the amount of the risk transferred by a.s.r. to the reinsurer. </p>\n<p>On initial recognition, the CSM of a group of reinsurance contracts represents a net cost or net gain on purchasing reinsurance. It is measured as the equal and opposite amount of the total of the fulfilment cash flows, any derecognised assets for cash flows occurring before the recognition of the group and any cash flows arising at that date, and taking into account any recognised loss recovery component, if applicable. However, if any net cost on purchasing reinsurance coverage relates to insured events that occurred before the purchase of the group, then a.s.r. recognises the cost immediately in the income statement as an expense. </p>\n<p>The carrying amount of the CSM at the end of each reporting period is the carrying amount at the start of the reporting period, adjusted for: </p><ul><li>\n<p>The CSM of any new contracts that are added to the group in the period; </p></li><li>\n<p>Interest accreted on the carrying amount of the CSM during the period, measured at the discount rates on nominal cash flows that do not vary based on the returns on any underlying items determined on initial recognition; </p></li><li>\n<p>Changes in fulfilment cash flows that relate to future services, unless the change results from a change in fulfilment cash flows allocated to a group of onerous underlying insurance contracts, in which case the change is recognised in the income statement; </p></li><li>\n<p>The amount recognised in the income statement because of the services received in the period. </p></li></ul>\n<p>CSM is recognised in profit or loss following the services provided. </p>\n<div class=\"header header-3\">Non-performance risk </div>\n<p>Changes in the fulfilment cash flows related to the risk of non-performance do not adjust the CSM, therefore a.s.r. recognises them in profit or loss. This requires that the fulfilment cash flows must be adjusted to include the effect of any non-performance risk, or credit risk, by the reinsurer. </p>\n<p>Reinsurance contracts cannot be onerous. </p>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n1286642\"><span class=\"title-text\">O. Property, plant and equipment </span></h1>\n<div class=\"header header-2\">Property held for own use and plant </div>\n<p>Property held for own use and plants comprise of land and office buildings and plants like wind farms and are measured at fair value (revaluation model) based on annual valuations, conducted by external, independent valuators with adequate professional expertise and experience in the specific location and categories of properties or plant. </p>\n<p>They are subsequently measured at fair value, including any unrealised fair value changes in equity, taking into account any deferred tax liabilities. For the method of determining the fair value reference is made to accounting policy <a href=\"#n1286307\" title=\"B. Fair value of assets and liabilities\">B</a> for investment property and plant. </p>\n<p>Increase in the fair value exceeding the cost price is added to the revaluation reserve in shareholders\u2019 equity, less deferred taxes. Decreases in the fair value that offset previous increases of the same asset, are charged against the revaluation reserve. The revaluation reserve cannot be negative. All other decreases in fair value are accounted for in the income statement. Increases that reverse a revaluation decrease on the same asset previously recognised in net result are recognised in the income statement. </p>\n<p>Buildings and wind farms are depreciated using the straight-line method based on expected useful life, taking into account their fair value amount, the residual value from the time when it is in the location and condition necessary for it to be capable of operating in the manner intended by management. The useful life of buildings is assessed annually for every individual component (component approach). </p>\n<h3 class=\"table-title\">Property and plant classified into components and their maximum life </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:0%;\"/><col style=\"width:14%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;\"><b>Components </b></th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Useful life (expressed in years) </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Land </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">n.a. </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Shell </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">50 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Outer layer </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">15-30 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Wind turbines </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">25 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Solar panels </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">25 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Systems </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">15-20 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Fittings and fixtures </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">15 </td></tr></tbody></table> <br/>\n<p>Repair and maintenance costs are charged to the income statement in the period in which they are incurred. Expenses incurred after the acquisition of an asset are capitalised if it is probable that the future economic benefits will flow to a.s.r. and the cost of the asset can be measured reliably. </p>\n<p>Upon the sale of a property or plant, the part of the revaluation reserve related to the sold property or plant, within equity, is transferred to \u2018other reserves\u2019 and is not reclassified to the income statement. Therefore annually a transfer is also made from the revaluation reserve related to \u2018other reserves\u2019 in line with the depreciation recognised in the income statement for the revalued portion. </p>\n<div class=\"header header-2\">Equipment </div>\n<p>Equipment is recognised at cost, less accumulated depreciation and / or any accumulated impairment losses. Cost corresponds with the cash paid or the fair value of the consideration given to acquire the asset. </p>\n<p>Equipment is depreciated over its useful life, which is determined individually (usually between three and five years). Repair and maintenance costs are charged to the income statement in the period in which they are incurred. Expenses incurred after the acquisition of an asset are capitalised if it is probable that the future economic benefits will flow to a.s.r. and the cost of the asset can be measured reliably. </p>\n<p>Accounting for borrowing costs attributable to the construction of property, plant and equipment is the same as accounting for borrowing costs attributable to investment property. For details, see accounting policy <a href=\"#n1286351\" title=\"D. Investment property\">D</a>. </p>\n<div class=\"header header-2\">Right-of-use assets </div>\n<p>Right-of-use assets are recognised for lease contracts for which a.s.r. is the lessee. For more information reference is made to accounting policy <a href=\"#n1286782\" title=\"U. Leasing\">U</a>. </p>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n1286667\"><span class=\"title-text\">P. Associates and joint ventures </span></h1>\n<div class=\"header header-2\">Associates </div>\n<p>Associates are entities over which a.s.r. has significant influence on operating and financial contracts, without having control. Generally, associates are accounted for using the equity method from the date at which a.s.r. acquires significant influence until the date at which such influence ceases. This means that associates are initially recognised at cost, including any goodwill paid. This value is subsequently adjusted to take account of a.s.r.\u2019s share of the associate\u2019s comprehensive income. Comprehensive income is adjusted in accordance with the accounting principles used by a.s.r. </p>\n<p>Losses are accounted for until the carrying amount of the investment has reached zero. Further provisions are recognised only to the extent that a.s.r. has incurred legal or constructive obligations concerning these associates. </p>\n<p>If objective evidence of impairment exists, associates are tested for impairment and, if necessary, written down. </p>\n<p>When the application of the equity method produces information that is not relevant to the investors, a.s.r. may use the exemption of IAS 28 to measure the investments in those associates at fair value through profit or loss in accordance with IFRS 9. a.s.r. applies fair value measurement for investments in real estate equity funds and mortgage equity funds, over which a.s.r. has significant influence. </p>\n<div class=\"header header-2\">Joint ventures </div>\n<p>Joint ventures are contractual arrangements whereby a.s.r. and one or more parties undertake an economic activity that is subject to joint control. Joint control exists only when the strategic financial and operating decisions relating to the activity require the unanimous consent of the parties sharing control. </p>\n<p>These interests are accounted for using the equity method as applied to associates. The interests are recognised in the financial statements from the date on which a.s.r. first obtains joint control until the date that this joint control ceases. </p>\n<p>If objective evidence of impairment exists, joint ventures are tested for impairment and, if necessary an impairment is recognised in the income statement. </p>\n<div class=\"header header-2\">Joint operations </div>\n<p>a.s.r. has a limited number of non-material joint operations. These are recognised in relation to a.s.r.\u2019s interest in the joint operation\u2019s individual balance sheet and income statement items. </p>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n1286782\"><span class=\"title-text\">U. Leasing </span></h1>\n<p>A contract is, or contains, a lease if the contract conveys the right to control the use of an identified asset for a period of time in exchange for a consideration. For contracts that contain a lease component and one or more additional lease or non-lease components a.s.r. applies the practical expedient not to separate non-lease components from lease components. </p>\n<p>At the commencement date of the lease, a.s.r. recognises a right-of-use asset and a lease liability. The right-of-use asset comprises the amount of the lease liability at initial measurement. The lease liability is measured at the present value of the lease payments that are not paid at the commencement date. For vehicles, the lease payments are discounted using the interest rate implicit in the lease. For other leases a.s.r.\u2019s incremental borrowing rate is used. </p>\n<p>Subsequently, the right-of-use asset is valued at cost less any cumulated depreciation and any accumulated impairment losses and adjusted for any remeasurement of the lease liability. The lease liability is increased with interest accrued and reduced for lease payments made. When applicable the lease liability is remeasured for changes in future payments resulting from a change in index or lease term. </p>\n<p>The right-of-use assets are presented under property, plant and equipment. The lease liabilities are presented under borrowings. </p>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForImpairmentOfAssetsExplanatory",
    "language": "en",
    "entity": "scheme:7245000G0HS48PZWUD53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "ixv-552": {
   "value": "\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n1286329\"><span class=\"title-text\">C. Intangible assets </span></h1>\n<p>Intangible assets are carried at cost, less any accumulated amortisation and impairment losses. The residual value and the estimated useful life of intangible assets are assessed on each balance sheet date and adjusted where applicable. </p>\n<div class=\"header header-2\">Goodwill </div>\n<p>Acquisitions by a.s.r. are accounted for using the acquisition method. Goodwill represents the excess of the cost of an acquisition over the fair value of a.s.r.\u2019s share of the net identifiable assets and liabilities and contingent liabilities of the acquired company at acquisition date. If there is no excess (purchase gain), the carrying amount is directly recognised through the income statement. At the acquisition date, goodwill is allocated to the cash-generating units (CGUs) that are expected to benefit from the business combination. </p>\n<p>Goodwill has an indefinite useful life and is not amortised. a.s.r. performs an impairment test annually, or more frequently if events or circumstances warrant so, to ascertain whether goodwill has been subject to impairment. As part of this, the carrying amount of the cash-generating unit to which the goodwill has been allocated is compared with its recoverable amount. The recoverable amount is the higher of a CGU\u2019s fair value less costs to sell and value in use. The carrying value is determined as the net asset value including goodwill. The methodologies applied to arrive at the best estimate of the recoverable amount involves two steps. </p>\n<p>In the first step of the impairment test, the best estimate of the recoverable amount of the CGU to which goodwill is allocated is determined separately based on Price to Earnings or Price to EBITDA ratios (fair value less cost to sell model). The ratio(s) used per CGU depends on the characteristics of the entity in question. The main assumptions in this valuation are the multiples for the aforementioned ratios. These are developed internally but are either derived from or corroborated against market information that is related to observable transactions in the market for comparable businesses. </p>\n<p>If the outcome of the first step indicates that the difference between the recoverable amount and the carrying value may not be sufficient to support the amount of goodwill allocated to the CGU, step two is performed. In step two an additional analysis is performed in order to determine a recoverable amount in a manner that better addresses the specific characteristics of the relevant CGU. </p>\n<p>The additional analysis is based on internal value-in-use models, wherein managements assumptions in relation to cash flow projections for budget periods up to and including five years are used and, if deemed justified, expanded to a longer period given the nature of the insurance activities. Other assumptions, such as the (pre-tax) discount rate and the steady state growth rate, are determined on the advice of an independent external party and are based on a Capital Asset Pricing Model (CAPM). This methodology is based on a risk-free rate plus a risk premium. Operating assumptions are best estimate assumptions and based on historical data where available. Economic assumptions are based on observable market data and projections of future trends. </p>\n<p>If the recoverable amount is lower than its carrying amount, the difference is directly charged to the income statement as an impairment loss. </p>\n<p>In the event of impairment, a.s.r. first reduces the carrying amount of the goodwill allocated to the CGU. After that, the carrying amount of the other assets included in the unit is reduced pro rata to the carrying amount of all the assets in the unit. </p>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n1286420\"><span class=\"title-text\">F2. Reinsurance contracts </span></h1>\n<div class=\"header header-2\">Classification </div>\n<p>Contracts held by a.s.r. under which it transfers significant insurance risk related to insurance contracts are classified as reinsurance contracts. a.s.r. does not issue reinsurance contracts. </p>\n<div class=\"header header-2\">Separating components and Level of aggregation </div>\n<p>The accounting principles for the separation of components do not differ from those for insurance contracts. For the determination of the level of aggregation for reinsurance contracts the accounting principles are the same with the exception that a reinsurance contract cannot be classified as onerous. </p>\n<div class=\"header header-2\">Recognition </div>\n<p>a.s.r. recognises a group of reinsurance contracts held that do not provide proportionate coverage at the earlier of (i) the beginning of the coverage period of the group of reinsurance contracts held; and (ii) the date a.s.r. recognises an onerous group of underlying contracts if a.s.r. entered into the related reinsurance contract held at or before that date. </p>\n<div class=\"header header-2\">Contract boundaries </div>\n<p>The measurement of a group of reinsurance contracts held includes all of the future cash flows within the boundary of each contract in the group. Cash flows are within the boundary of a contract if they arise from substantive rights and obligations that exist during the reporting period under which a.s.r. has a right to receive services from the reinsurer and is compelled to pay premiums. </p>\n<div class=\"header header-2\">Measurement \u2013 contracts under the PAA </div>\n<p>a.s.r. uses the PAA as the default measurement approach for reinsurance contracts with a coverage period of one year or less, but the business line has the option to choose the GMM. </p>\n<p>To measure a group of reinsurance contracts a.s.r. applies the same accounting policies for the related insurance contracts, adapted where necessary to reflect the features of reinsurance contracts held that differ from those of the insurance contracts. </p>\n<div class=\"header header-2\">Measurement \u2013 contracts under the GMM </div>\n<p>a.s.r. applies the same accounting policies for insurance contracts to measure a group of reinsurance contracts, with the following modifications. </p>\n<p>The carrying amount of a group of reinsurance contracts at each reporting date is the sum of the remaining coverage component and the incurred claims component. The remaining coverage component comprises: </p><ul><li>\n<p>The fulfilment cash flows that relate to services that will be received under the contracts in future periods including the risk adjustment; and </p></li><li>\n<p>Any remaining CSM at that date. </p></li></ul>\n<p>a.s.r. measures the estimates of the present value of future cash flows using assumptions that are consistent with those used to measure the estimates of the present value of future cash flows for the underlying insurance contracts. </p>\n<div class=\"header header-3\">Loss-recovery component </div>\n<p>a.s.r. determines a loss-recovery component of the asset for remaining coverage of a group of reinsurance contracts held when a.s.r. recognises a recovery of a loss on initial recognition of an onerous group of underlying contracts as well as for subsequent measurement of the recovery of losses. This loss-recovery component is accounted for in a manner consistent with the loss component of the group of underlying insurance contracts issued. As such, as cedant, a.s.r. determines the resulting amount of the loss-recovery at initial recognition to be recognised in profit or loss by multiplying: </p><ul><li>\n<p>The loss recognised on the group of underlying insurance contracts; and </p></li><li>\n<p>The percentage of claims on underlying contracts a.s.r. expects to recover from the group of reinsurance contracts held. </p></li></ul>\n<p>After a.s.r. has established a loss-recovery component, it shall adjust it to reflect changes in the loss component of the underlying contracts. Therefore, the balance of loss-recovery component needs to be tracked along the fulfilment of the reinsurance group and run off to zero at the end of the reinsurance coverage period or earlier when the loss component on the underlying group(s) has been fully reversed. The carrying amount of the loss recovery component shall not exceed the portion of the carrying amount of the loss component of the underlying insurance contracts that a.s.r. expects to recover from the group of reinsurance contracts held. </p>\n<p>The risk adjustment for non-financial risk is the amount of the risk transferred by a.s.r. to the reinsurer. </p>\n<p>On initial recognition, the CSM of a group of reinsurance contracts represents a net cost or net gain on purchasing reinsurance. It is measured as the equal and opposite amount of the total of the fulfilment cash flows, any derecognised assets for cash flows occurring before the recognition of the group and any cash flows arising at that date, and taking into account any recognised loss recovery component, if applicable. However, if any net cost on purchasing reinsurance coverage relates to insured events that occurred before the purchase of the group, then a.s.r. recognises the cost immediately in the income statement as an expense. </p>\n<p>The carrying amount of the CSM at the end of each reporting period is the carrying amount at the start of the reporting period, adjusted for: </p><ul><li>\n<p>The CSM of any new contracts that are added to the group in the period; </p></li><li>\n<p>Interest accreted on the carrying amount of the CSM during the period, measured at the discount rates on nominal cash flows that do not vary based on the returns on any underlying items determined on initial recognition; </p></li><li>\n<p>Changes in fulfilment cash flows that relate to future services, unless the change results from a change in fulfilment cash flows allocated to a group of onerous underlying insurance contracts, in which case the change is recognised in the income statement; </p></li><li>\n<p>The amount recognised in the income statement because of the services received in the period. </p></li></ul>\n<p>CSM is recognised in profit or loss following the services provided. </p>\n<div class=\"header header-3\">Non-performance risk </div>\n<p>Changes in the fulfilment cash flows related to the risk of non-performance do not adjust the CSM, therefore a.s.r. recognises them in profit or loss. This requires that the fulfilment cash flows must be adjusted to include the effect of any non-performance risk, or credit risk, by the reinsurer. </p>\n<p>Reinsurance contracts cannot be onerous. </p>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n1286620\"><span class=\"title-text\">N. Statement of cash flows </span></h1>\n<p>The statement of cash flows classifies cash flows by operating activities, investing activities and financing activities. Cash flows denominated in foreign currencies are converted at the exchange rates applicable on the transaction date. </p>\n<p>Cash flows from operating activities are reported using the indirect method. Cash flows from operating activities include result before tax, adjustments for gains and losses that did not result in income and payments in the same financial year, adjustments for movements in provisions, and accrued and deferred items. </p>\n<p>The statement of cash flows recognises interest received and paid, and dividends received within cash flows from operating activities. Cash flows from purchasing and selling investments and investment property are included in cash flows from operating activities on a net basis. Dividends paid are recognised within cash flows from financing activities. </p>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n1286642\"><span class=\"title-text\">O. Property, plant and equipment </span></h1>\n<div class=\"header header-2\">Property held for own use and plant </div>\n<p>Property held for own use and plants comprise of land and office buildings and plants like wind farms and are measured at fair value (revaluation model) based on annual valuations, conducted by external, independent valuators with adequate professional expertise and experience in the specific location and categories of properties or plant. </p>\n<p>They are subsequently measured at fair value, including any unrealised fair value changes in equity, taking into account any deferred tax liabilities. For the method of determining the fair value reference is made to accounting policy <a href=\"#n1286307\" title=\"B. Fair value of assets and liabilities\">B</a> for investment property and plant. </p>\n<p>Increase in the fair value exceeding the cost price is added to the revaluation reserve in shareholders\u2019 equity, less deferred taxes. Decreases in the fair value that offset previous increases of the same asset, are charged against the revaluation reserve. The revaluation reserve cannot be negative. All other decreases in fair value are accounted for in the income statement. Increases that reverse a revaluation decrease on the same asset previously recognised in net result are recognised in the income statement. </p>\n<p>Buildings and wind farms are depreciated using the straight-line method based on expected useful life, taking into account their fair value amount, the residual value from the time when it is in the location and condition necessary for it to be capable of operating in the manner intended by management. The useful life of buildings is assessed annually for every individual component (component approach). </p>\n<h3 class=\"table-title\">Property and plant classified into components and their maximum life </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:0%;\"/><col style=\"width:14%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;\"><b>Components </b></th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Useful life (expressed in years) </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Land </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">n.a. </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Shell </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">50 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Outer layer </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">15-30 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Wind turbines </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">25 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Solar panels </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">25 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Systems </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">15-20 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Fittings and fixtures </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">15 </td></tr></tbody></table> <br/>\n<p>Repair and maintenance costs are charged to the income statement in the period in which they are incurred. Expenses incurred after the acquisition of an asset are capitalised if it is probable that the future economic benefits will flow to a.s.r. and the cost of the asset can be measured reliably. </p>\n<p>Upon the sale of a property or plant, the part of the revaluation reserve related to the sold property or plant, within equity, is transferred to \u2018other reserves\u2019 and is not reclassified to the income statement. Therefore annually a transfer is also made from the revaluation reserve related to \u2018other reserves\u2019 in line with the depreciation recognised in the income statement for the revalued portion. </p>\n<div class=\"header header-2\">Equipment </div>\n<p>Equipment is recognised at cost, less accumulated depreciation and / or any accumulated impairment losses. Cost corresponds with the cash paid or the fair value of the consideration given to acquire the asset. </p>\n<p>Equipment is depreciated over its useful life, which is determined individually (usually between three and five years). Repair and maintenance costs are charged to the income statement in the period in which they are incurred. Expenses incurred after the acquisition of an asset are capitalised if it is probable that the future economic benefits will flow to a.s.r. and the cost of the asset can be measured reliably. </p>\n<p>Accounting for borrowing costs attributable to the construction of property, plant and equipment is the same as accounting for borrowing costs attributable to investment property. For details, see accounting policy <a href=\"#n1286351\" title=\"D. Investment property\">D</a>. </p>\n<div class=\"header header-2\">Right-of-use assets </div>\n<p>Right-of-use assets are recognised for lease contracts for which a.s.r. is the lessee. For more information reference is made to accounting policy <a href=\"#n1286782\" title=\"U. Leasing\">U</a>. </p>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n1286667\"><span class=\"title-text\">P. Associates and joint ventures </span></h1>\n<div class=\"header header-2\">Associates </div>\n<p>Associates are entities over which a.s.r. has significant influence on operating and financial contracts, without having control. Generally, associates are accounted for using the equity method from the date at which a.s.r. acquires significant influence until the date at which such influence ceases. This means that associates are initially recognised at cost, including any goodwill paid. This value is subsequently adjusted to take account of a.s.r.\u2019s share of the associate\u2019s comprehensive income. Comprehensive income is adjusted in accordance with the accounting principles used by a.s.r. </p>\n<p>Losses are accounted for until the carrying amount of the investment has reached zero. Further provisions are recognised only to the extent that a.s.r. has incurred legal or constructive obligations concerning these associates. </p>\n<p>If objective evidence of impairment exists, associates are tested for impairment and, if necessary, written down. </p>\n<p>When the application of the equity method produces information that is not relevant to the investors, a.s.r. may use the exemption of IAS 28 to measure the investments in those associates at fair value through profit or loss in accordance with IFRS 9. a.s.r. applies fair value measurement for investments in real estate equity funds and mortgage equity funds, over which a.s.r. has significant influence. </p>\n<div class=\"header header-2\">Joint ventures </div>\n<p>Joint ventures are contractual arrangements whereby a.s.r. and one or more parties undertake an economic activity that is subject to joint control. Joint control exists only when the strategic financial and operating decisions relating to the activity require the unanimous consent of the parties sharing control. </p>\n<p>These interests are accounted for using the equity method as applied to associates. The interests are recognised in the financial statements from the date on which a.s.r. first obtains joint control until the date that this joint control ceases. </p>\n<p>If objective evidence of impairment exists, joint ventures are tested for impairment and, if necessary an impairment is recognised in the income statement. </p>\n<div class=\"header header-2\">Joint operations </div>\n<p>a.s.r. has a limited number of non-material joint operations. These are recognised in relation to a.s.r.\u2019s interest in the joint operation\u2019s individual balance sheet and income statement items. </p>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n1286782\"><span class=\"title-text\">U. Leasing </span></h1>\n<p>A contract is, or contains, a lease if the contract conveys the right to control the use of an identified asset for a period of time in exchange for a consideration. For contracts that contain a lease component and one or more additional lease or non-lease components a.s.r. applies the practical expedient not to separate non-lease components from lease components. </p>\n<p>At the commencement date of the lease, a.s.r. recognises a right-of-use asset and a lease liability. The right-of-use asset comprises the amount of the lease liability at initial measurement. The lease liability is measured at the present value of the lease payments that are not paid at the commencement date. For vehicles, the lease payments are discounted using the interest rate implicit in the lease. For other leases a.s.r.\u2019s incremental borrowing rate is used. </p>\n<p>Subsequently, the right-of-use asset is valued at cost less any cumulated depreciation and any accumulated impairment losses and adjusted for any remeasurement of the lease liability. The lease liability is increased with interest accrued and reduced for lease payments made. When applicable the lease liability is remeasured for changes in future payments resulting from a change in index or lease term. </p>\n<p>The right-of-use assets are presented under property, plant and equipment. The lease liabilities are presented under borrowings. </p>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForImpairmentOfNonfinancialAssetsExplanatory",
    "language": "en",
    "entity": "scheme:7245000G0HS48PZWUD53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "ixv-553": {
   "value": "\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n1286329\"><span class=\"title-text\">C. Intangible assets </span></h1>\n<p>Intangible assets are carried at cost, less any accumulated amortisation and impairment losses. The residual value and the estimated useful life of intangible assets are assessed on each balance sheet date and adjusted where applicable. </p>\n<div class=\"header header-2\">Goodwill </div>\n<p>Acquisitions by a.s.r. are accounted for using the acquisition method. Goodwill represents the excess of the cost of an acquisition over the fair value of a.s.r.\u2019s share of the net identifiable assets and liabilities and contingent liabilities of the acquired company at acquisition date. If there is no excess (purchase gain), the carrying amount is directly recognised through the income statement. At the acquisition date, goodwill is allocated to the cash-generating units (CGUs) that are expected to benefit from the business combination. </p>\n<p>Goodwill has an indefinite useful life and is not amortised. a.s.r. performs an impairment test annually, or more frequently if events or circumstances warrant so, to ascertain whether goodwill has been subject to impairment. As part of this, the carrying amount of the cash-generating unit to which the goodwill has been allocated is compared with its recoverable amount. The recoverable amount is the higher of a CGU\u2019s fair value less costs to sell and value in use. The carrying value is determined as the net asset value including goodwill. The methodologies applied to arrive at the best estimate of the recoverable amount involves two steps. </p>\n<p>In the first step of the impairment test, the best estimate of the recoverable amount of the CGU to which goodwill is allocated is determined separately based on Price to Earnings or Price to EBITDA ratios (fair value less cost to sell model). The ratio(s) used per CGU depends on the characteristics of the entity in question. The main assumptions in this valuation are the multiples for the aforementioned ratios. These are developed internally but are either derived from or corroborated against market information that is related to observable transactions in the market for comparable businesses. </p>\n<p>If the outcome of the first step indicates that the difference between the recoverable amount and the carrying value may not be sufficient to support the amount of goodwill allocated to the CGU, step two is performed. In step two an additional analysis is performed in order to determine a recoverable amount in a manner that better addresses the specific characteristics of the relevant CGU. </p>\n<p>The additional analysis is based on internal value-in-use models, wherein managements assumptions in relation to cash flow projections for budget periods up to and including five years are used and, if deemed justified, expanded to a longer period given the nature of the insurance activities. Other assumptions, such as the (pre-tax) discount rate and the steady state growth rate, are determined on the advice of an independent external party and are based on a Capital Asset Pricing Model (CAPM). This methodology is based on a risk-free rate plus a risk premium. Operating assumptions are best estimate assumptions and based on historical data where available. Economic assumptions are based on observable market data and projections of future trends. </p>\n<p>If the recoverable amount is lower than its carrying amount, the difference is directly charged to the income statement as an impairment loss. </p>\n<p>In the event of impairment, a.s.r. first reduces the carrying amount of the goodwill allocated to the CGU. After that, the carrying amount of the other assets included in the unit is reduced pro rata to the carrying amount of all the assets in the unit. </p>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForIntangibleAssetsAndGoodwillExplanatory",
    "language": "en",
    "entity": "scheme:7245000G0HS48PZWUD53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "ixv-554": {
   "value": "\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n1286329\"><span class=\"title-text\">C. Intangible assets </span></h1>\n<p>Intangible assets are carried at cost, less any accumulated amortisation and impairment losses. The residual value and the estimated useful life of intangible assets are assessed on each balance sheet date and adjusted where applicable. </p>\n<div class=\"header header-2\">Goodwill </div>\n<p>Acquisitions by a.s.r. are accounted for using the acquisition method. Goodwill represents the excess of the cost of an acquisition over the fair value of a.s.r.\u2019s share of the net identifiable assets and liabilities and contingent liabilities of the acquired company at acquisition date. If there is no excess (purchase gain), the carrying amount is directly recognised through the income statement. At the acquisition date, goodwill is allocated to the cash-generating units (CGUs) that are expected to benefit from the business combination. </p>\n<p>Goodwill has an indefinite useful life and is not amortised. a.s.r. performs an impairment test annually, or more frequently if events or circumstances warrant so, to ascertain whether goodwill has been subject to impairment. As part of this, the carrying amount of the cash-generating unit to which the goodwill has been allocated is compared with its recoverable amount. The recoverable amount is the higher of a CGU\u2019s fair value less costs to sell and value in use. The carrying value is determined as the net asset value including goodwill. The methodologies applied to arrive at the best estimate of the recoverable amount involves two steps. </p>\n<p>In the first step of the impairment test, the best estimate of the recoverable amount of the CGU to which goodwill is allocated is determined separately based on Price to Earnings or Price to EBITDA ratios (fair value less cost to sell model). The ratio(s) used per CGU depends on the characteristics of the entity in question. The main assumptions in this valuation are the multiples for the aforementioned ratios. These are developed internally but are either derived from or corroborated against market information that is related to observable transactions in the market for comparable businesses. </p>\n<p>If the outcome of the first step indicates that the difference between the recoverable amount and the carrying value may not be sufficient to support the amount of goodwill allocated to the CGU, step two is performed. In step two an additional analysis is performed in order to determine a recoverable amount in a manner that better addresses the specific characteristics of the relevant CGU. </p>\n<p>The additional analysis is based on internal value-in-use models, wherein managements assumptions in relation to cash flow projections for budget periods up to and including five years are used and, if deemed justified, expanded to a longer period given the nature of the insurance activities. Other assumptions, such as the (pre-tax) discount rate and the steady state growth rate, are determined on the advice of an independent external party and are based on a Capital Asset Pricing Model (CAPM). This methodology is based on a risk-free rate plus a risk premium. Operating assumptions are best estimate assumptions and based on historical data where available. Economic assumptions are based on observable market data and projections of future trends. </p>\n<p>If the recoverable amount is lower than its carrying amount, the difference is directly charged to the income statement as an impairment loss. </p>\n<p>In the event of impairment, a.s.r. first reduces the carrying amount of the goodwill allocated to the CGU. After that, the carrying amount of the other assets included in the unit is reduced pro rata to the carrying amount of all the assets in the unit. </p>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForIntangibleAssetsOtherThanGoodwillExplanatory",
    "language": "en",
    "entity": "scheme:7245000G0HS48PZWUD53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "ixv-555": {
   "value": "\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n1286351\"><span class=\"title-text\">D. Investment property </span></h1>\n<p>Investment property is property held to earn rent or for capital appreciation or both. Property interests held under operating leases are classified and accounted for as investment property. In some cases, a.s.r. is the owner-occupier of investment properties. If owner-occupied properties cannot be sold separately, they are treated as investment property only if a.s.r. holds an insignificant portion for use in the supply of services or for administrative purposes. Property held for own uses (owner-occupied) is recognised within property, plant and equipment. </p>\n<p>Investment property is primarily recognised using the fair value model. After initial recognition, a.s.r. remeasures all of its investment property (see accounting policy B) whereby any gain or loss arising from a change in the fair value of the specific investment property is recognised in the income statement under fair value gains and losses. </p>\n<p>Residential property is generally let for an indefinite period. Other investment property is let for defined periods under leases that cannot be terminated early. Some contracts contain renewal options. Rentals are accounted for as investment income in the period to which they relate. </p>\n<p>If there is a change in the designation of property, it can lead to: </p><ul><li>\n<p>Reclassification from property, plant and equipment to investment property: at the end of the period of owner-occupation or at inception of an operating lease with a third party; or </p></li><li>\n<p>Reclassification from investment property to property, plant and equipment: at the commencement of owner-occupation or at the start of developments initiated with a view to selling the property to a third party. </p></li></ul>\n<p>The following categories of investment property are recognised by a.s.r. based primarily on the techniques used in determining the fair value of the investment property: </p><ul><li>\n<p>Retail; </p></li><li>\n<p>Residential; </p></li><li>\n<p>Rural; </p></li><li>\n<p>Offices; </p></li><li>\n<p>Other (consisting primarily of parking); </p></li><li>\n<p>Investment property under development. </p></li></ul>\n<p>Property under development for future use as investment property is recognised as investment property. The valuation of investment property takes (expected) vacancies into account. </p>\n<p>Borrowing costs directly attributable to the acquisition or development of an asset are capitalised and are part of the cost of that asset. Borrowing costs are capitalised when the following conditions are met: </p><ul><li>\n<p>Expenditures for the asset and borrowing costs are incurred; and </p></li><li>\n<p>Activities are undertaken that are necessary to prepare an asset for its intended use. </p></li></ul>\n<p>Borrowing costs are no longer capitalised when the asset is ready for use or sale. If the development of assets is interrupted for a longer period, capitalisation of borrowing costs is suspended. If the construction is completed in stages and each part of an asset can be used separately, the borrowing costs for each part that reaches completion are no longer capitalised. </p>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n1286642\"><span class=\"title-text\">O. Property, plant and equipment </span></h1>\n<div class=\"header header-2\">Property held for own use and plant </div>\n<p>Property held for own use and plants comprise of land and office buildings and plants like wind farms and are measured at fair value (revaluation model) based on annual valuations, conducted by external, independent valuators with adequate professional expertise and experience in the specific location and categories of properties or plant. </p>\n<p>They are subsequently measured at fair value, including any unrealised fair value changes in equity, taking into account any deferred tax liabilities. For the method of determining the fair value reference is made to accounting policy <a href=\"#n1286307\" title=\"B. Fair value of assets and liabilities\">B</a> for investment property and plant. </p>\n<p>Increase in the fair value exceeding the cost price is added to the revaluation reserve in shareholders\u2019 equity, less deferred taxes. Decreases in the fair value that offset previous increases of the same asset, are charged against the revaluation reserve. The revaluation reserve cannot be negative. All other decreases in fair value are accounted for in the income statement. Increases that reverse a revaluation decrease on the same asset previously recognised in net result are recognised in the income statement. </p>\n<p>Buildings and wind farms are depreciated using the straight-line method based on expected useful life, taking into account their fair value amount, the residual value from the time when it is in the location and condition necessary for it to be capable of operating in the manner intended by management. The useful life of buildings is assessed annually for every individual component (component approach). </p>\n<h3 class=\"table-title\">Property and plant classified into components and their maximum life </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:0%;\"/><col style=\"width:14%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;\"><b>Components </b></th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Useful life (expressed in years) </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Land </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">n.a. </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Shell </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">50 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Outer layer </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">15-30 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Wind turbines </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">25 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Solar panels </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">25 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Systems </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">15-20 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Fittings and fixtures </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">15 </td></tr></tbody></table> <br/>\n<p>Repair and maintenance costs are charged to the income statement in the period in which they are incurred. Expenses incurred after the acquisition of an asset are capitalised if it is probable that the future economic benefits will flow to a.s.r. and the cost of the asset can be measured reliably. </p>\n<p>Upon the sale of a property or plant, the part of the revaluation reserve related to the sold property or plant, within equity, is transferred to \u2018other reserves\u2019 and is not reclassified to the income statement. Therefore annually a transfer is also made from the revaluation reserve related to \u2018other reserves\u2019 in line with the depreciation recognised in the income statement for the revalued portion. </p>\n<div class=\"header header-2\">Equipment </div>\n<p>Equipment is recognised at cost, less accumulated depreciation and / or any accumulated impairment losses. Cost corresponds with the cash paid or the fair value of the consideration given to acquire the asset. </p>\n<p>Equipment is depreciated over its useful life, which is determined individually (usually between three and five years). Repair and maintenance costs are charged to the income statement in the period in which they are incurred. Expenses incurred after the acquisition of an asset are capitalised if it is probable that the future economic benefits will flow to a.s.r. and the cost of the asset can be measured reliably. </p>\n<p>Accounting for borrowing costs attributable to the construction of property, plant and equipment is the same as accounting for borrowing costs attributable to investment property. For details, see accounting policy <a href=\"#n1286351\" title=\"D. Investment property\">D</a>. </p>\n<div class=\"header header-2\">Right-of-use assets </div>\n<p>Right-of-use assets are recognised for lease contracts for which a.s.r. is the lessee. For more information reference is made to accounting policy <a href=\"#n1286782\" title=\"U. Leasing\">U</a>. </p>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForBorrowingCostsExplanatory",
    "language": "en",
    "entity": "scheme:7245000G0HS48PZWUD53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "ixv-556": {
   "value": "\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n1286351\"><span class=\"title-text\">D. Investment property </span></h1>\n<p>Investment property is property held to earn rent or for capital appreciation or both. Property interests held under operating leases are classified and accounted for as investment property. In some cases, a.s.r. is the owner-occupier of investment properties. If owner-occupied properties cannot be sold separately, they are treated as investment property only if a.s.r. holds an insignificant portion for use in the supply of services or for administrative purposes. Property held for own uses (owner-occupied) is recognised within property, plant and equipment. </p>\n<p>Investment property is primarily recognised using the fair value model. After initial recognition, a.s.r. remeasures all of its investment property (see accounting policy B) whereby any gain or loss arising from a change in the fair value of the specific investment property is recognised in the income statement under fair value gains and losses. </p>\n<p>Residential property is generally let for an indefinite period. Other investment property is let for defined periods under leases that cannot be terminated early. Some contracts contain renewal options. Rentals are accounted for as investment income in the period to which they relate. </p>\n<p>If there is a change in the designation of property, it can lead to: </p><ul><li>\n<p>Reclassification from property, plant and equipment to investment property: at the end of the period of owner-occupation or at inception of an operating lease with a third party; or </p></li><li>\n<p>Reclassification from investment property to property, plant and equipment: at the commencement of owner-occupation or at the start of developments initiated with a view to selling the property to a third party. </p></li></ul>\n<p>The following categories of investment property are recognised by a.s.r. based primarily on the techniques used in determining the fair value of the investment property: </p><ul><li>\n<p>Retail; </p></li><li>\n<p>Residential; </p></li><li>\n<p>Rural; </p></li><li>\n<p>Offices; </p></li><li>\n<p>Other (consisting primarily of parking); </p></li><li>\n<p>Investment property under development. </p></li></ul>\n<p>Property under development for future use as investment property is recognised as investment property. The valuation of investment property takes (expected) vacancies into account. </p>\n<p>Borrowing costs directly attributable to the acquisition or development of an asset are capitalised and are part of the cost of that asset. Borrowing costs are capitalised when the following conditions are met: </p><ul><li>\n<p>Expenditures for the asset and borrowing costs are incurred; and </p></li><li>\n<p>Activities are undertaken that are necessary to prepare an asset for its intended use. </p></li></ul>\n<p>Borrowing costs are no longer capitalised when the asset is ready for use or sale. If the development of assets is interrupted for a longer period, capitalisation of borrowing costs is suspended. If the construction is completed in stages and each part of an asset can be used separately, the borrowing costs for each part that reaches completion are no longer capitalised. </p>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForInvestmentPropertyExplanatory",
    "language": "en",
    "entity": "scheme:7245000G0HS48PZWUD53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "ixv-557": {
   "value": "\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n1286351\"><span class=\"title-text\">D. Investment property </span></h1>\n<p>Investment property is property held to earn rent or for capital appreciation or both. Property interests held under operating leases are classified and accounted for as investment property. In some cases, a.s.r. is the owner-occupier of investment properties. If owner-occupied properties cannot be sold separately, they are treated as investment property only if a.s.r. holds an insignificant portion for use in the supply of services or for administrative purposes. Property held for own uses (owner-occupied) is recognised within property, plant and equipment. </p>\n<p>Investment property is primarily recognised using the fair value model. After initial recognition, a.s.r. remeasures all of its investment property (see accounting policy B) whereby any gain or loss arising from a change in the fair value of the specific investment property is recognised in the income statement under fair value gains and losses. </p>\n<p>Residential property is generally let for an indefinite period. Other investment property is let for defined periods under leases that cannot be terminated early. Some contracts contain renewal options. Rentals are accounted for as investment income in the period to which they relate. </p>\n<p>If there is a change in the designation of property, it can lead to: </p><ul><li>\n<p>Reclassification from property, plant and equipment to investment property: at the end of the period of owner-occupation or at inception of an operating lease with a third party; or </p></li><li>\n<p>Reclassification from investment property to property, plant and equipment: at the commencement of owner-occupation or at the start of developments initiated with a view to selling the property to a third party. </p></li></ul>\n<p>The following categories of investment property are recognised by a.s.r. based primarily on the techniques used in determining the fair value of the investment property: </p><ul><li>\n<p>Retail; </p></li><li>\n<p>Residential; </p></li><li>\n<p>Rural; </p></li><li>\n<p>Offices; </p></li><li>\n<p>Other (consisting primarily of parking); </p></li><li>\n<p>Investment property under development. </p></li></ul>\n<p>Property under development for future use as investment property is recognised as investment property. The valuation of investment property takes (expected) vacancies into account. </p>\n<p>Borrowing costs directly attributable to the acquisition or development of an asset are capitalised and are part of the cost of that asset. Borrowing costs are capitalised when the following conditions are met: </p><ul><li>\n<p>Expenditures for the asset and borrowing costs are incurred; and </p></li><li>\n<p>Activities are undertaken that are necessary to prepare an asset for its intended use. </p></li></ul>\n<p>Borrowing costs are no longer capitalised when the asset is ready for use or sale. If the development of assets is interrupted for a longer period, capitalisation of borrowing costs is suspended. If the construction is completed in stages and each part of an asset can be used separately, the borrowing costs for each part that reaches completion are no longer capitalised. </p>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n1286373\"><span class=\"title-text\">E. Financial assets and financial liabilities </span></h1>\n<p>a.s.r. has chosen to restate the comparative figures for financial assets and liabilities in line with IFRS 9 and the classification overlay approach in accordance with the amendment to IFRS 17 Insurance Contracts: Initial Application of IFRS 17 and IFRS 9 \u2013 Comparative Information. This option results in more useful comparative information. </p>\n<div class=\"header header-2\">Recognition and initial measurement </div>\n<p>a.s.r. recognises deposits and loans and borrowings on the date on which they originate. All other financial instruments are recognised at the transaction date, which is the date on which a.s.r. becomes party to the contractual stipulations of the instrument. </p>\n<p>Financial assets or financial liabilities are initially measured at fair value plus, for a financial asset or financial liability not measured at FVTPL, transaction costs that are directly attributable to its acquisition or issue. </p>\n<div class=\"header header-2\">Classification and subsequent measurement </div>\n<p>When a.s.r. becomes party to a financial asset contract, the related assets are classified into one of the following categories: </p><ul><li>\n<p>Amortised cost; </p></li><li>\n<p>Financial assets at fair value through other comprehensive income (FVOCI); or </p></li><li>\n<p>Financial assets at fair value through profit or loss (FVTPL). </p></li></ul>\n<p>The classification of the financial assets is determined at initial recognition. The classification and measurement of certain financial assets (debt instruments) is based on a.s.r.\u2019s business models in which a financial asset is managed, and its contractual cash flow characteristics. For detailed information on the fair value of the financial assets see accounting policy <a href=\"#n1286307\" title=\"B. Fair value of assets and liabilities\">B</a>. </p>\n<div class=\"header header-2\">Financial assets at amortised cost </div>\n<p>A financial asset (debt instrument) can be measured at amortised cost if it meets both of the following conditions and is not designated as FVTPL: </p><ul><li>\n<p>It is held within a business model whose objective is to hold assets to collect contractual cash flows; and </p></li><li>\n<p>Its contractual terms give rise on specified dates to cash flows that are solely payments of principal and interest on the principal amount outstanding. This is known as the SPPI test. </p></li></ul>\n<p>Debt instruments at amortised cost include mortgage loans and private loans held by Aegon Bank N.V. (Knab) and Aegon Hypotheken B.V. (Aegon hypotheken). </p>\n<p>Financial assets that are designated as hedged items are measured in accordance with the requirements for hedge accounting. </p>\n<div class=\"header header-2\">Financial assets at FVOCI </div>\n<p>Financial assets at FVOCI can be divided into debt instruments and equity instruments. </p>\n<p>A debt instrument can be measured at FVOCI if it meets both the following conditions and is not designated as at FVTPL: </p><ul><li>\n<p>It is held within a business model whose objective is achieved by both collecting contractual cash flows and selling financial assets; and </p></li><li>\n<p>Its contractual terms give rise on specified dates to cash flows that are solely payments of principal and interest on the principal amount outstanding. </p></li></ul>\n<p>Debt instruments at FVOCI are measured at fair value. Unrealised fair value gains and losses are recognised in other comprehensive income, and are subsequently reclassified to profit or loss when realised. Interest income is recognised in profit or loss using the effective interest rate. Debt instruments at FVOCI are subject to the impairment requirements. </p>\n<p>a.s.r. has only classified the bonds portfolio held by Knab and Aegon hypotheken at FVOCI. </p>\n<p>Equity instruments are measured at FVOCI if they are not held for trading and are not designated as at FVTPL. There is no subsequent recycling of fair value gains and losses to profit or loss following the derecognition of the investment if elected to measure the equity investments as FVOCI. </p>\n<p>a.s.r. classifies its equity instruments at FVOCI to reduce volatility in the income statement. </p>\n<div class=\"header header-2\">Financial assets at FVTPL </div>\n<p>All financial assets not classified as measured at amortised cost or FVOCI, as described above, are measured at FVTPL. </p>\n<p>Financial assets at FVTPL include: </p><ul><li>\n<p>Derivatives that do not qualify for hedge accounting; </p></li><li>\n<p>Financial assets that are managed and whose performance is evaluated on a fair value basis, such as: </p><ul><li>\n<p>Debt instruments for which a.s.r. has identified the business model Other; </p></li><li>\n<p>Investments related to direct participating contracts; </p></li><li>\n<p>Financial assets held for trading; </p></li></ul></li><li>\n<p>Associates for which a.s.r. elects to measure at FVTPL under IFRS 9. </p></li></ul>\n<div class=\"header header-3\">Hedge accounting (see also risk management section in chapter 7.8) </div>\n<p>To qualify for hedge accounting, the hedge relationship is designated and formally documented at inception, detailing the particular risk management objective and strategy for the hedge (which includes the item and risk that is being hedged), the derivative that is being used and how hedge effectiveness is being assessed. A derivative has to be effective in accomplishing the objective of offsetting either changes in fair value or cash flows for the risk being hedged. The effectiveness of the hedging relationship is evaluated on a prospective and retrospective basis using qualitative and quantitative measures of correlation. A hedging relationship is considered effective if the results of the hedging instrument are within a ratio of 80% to 125% of the results of the hedged item. a.s.r. has elected to continue to apply the hedge accounting requirements of IAS 39 for macro fair value hedges (EU \u2018carve out\u2019) on adoption of IFRS 9. </p>\n<p>As part of its asset liability management, a.s.r. enters into economic hedges to limit its risk exposure at Knab and Aegon hypotheken. These transactions are assessed to determine whether hedge accounting can and should be applied. a.s.r. currently applies hedge accounting for fair value hedges. </p>\n<div class=\"header header-4\">Fair value hedges </div>\n<p>a.s.r. applies fair value hedge accounting to portfolio hedges of interest rate risk (fair value macro hedging) under the EU \u2018carve out\u2019 of EU-IFRS. The EU \u2018carve out\u2019 macro hedging enables a group of derivatives (or proportions thereof) to be viewed in combination and jointly designated as the hedging instrument and removes some of the limitations in fair value hedge accounting. Under the EU \u2018carve out\u2019, ineffectiveness in fair value hedge accounting only arises when the revised projection of the amount of cash flows in scheduled time buckets falls below the designated amount of that bucket. a.s.r. applies fair value hedge accounting for portfolio hedges of interest rate risk (macro hedging) under the EU \u2018carve out\u2019 to mortgage loans. Changes in the fair value of the derivatives are recognised in the income statement, together with the fair value adjustment on the mortgage loans (hedged items) insofar as attributable to interest rate risk (the hedged risk). If the hedge relationship no longer meets the criteria for hedge accounting, the cumulative adjustment of the hedged item is, in the case of interest bearing instruments, amortised through the income statement over the remaining term of the original hedge or recognised directly when the hedged item is derecognised. </p>\n<p>Knab and Aegon hypotheken hold portfolios of long-term fixed rate mortgages and therefore are exposed to changes in fair value due to movements in market interest rates. Knab and Aegon hypotheken manage this risk exposure by entering into pay fixed/receive floating interest rate swaps. </p>\n<p>Only the interest rate risk element is hedged and therefore other risks, such as credit risk, are managed but not hedged by Knab and Aegon hypotheken. This hedging strategy is applied to the portion of exposure that is not naturally offset against matching positions held by Knab and Aegon hypotheken. Changes in fair value of the long-term fixed rate mortgages arising from changes in interest rate are usually the largest component of the overall change in fair value. This strategy is designated as a fair value hedge and its effectiveness is assessed by comparing changes in the fair value of the loans attributable to changes in the benchmark rate of interest with changes in the fair value of the interest rate swaps. </p>\n<p>Knab and Aegon hypotheken establish the hedging ratio by matching the notional of the derivatives with the principal of the portfolio being hedged. Possible sources of ineffectiveness are as follows: </p><ul><li>\n<p>Differences between the expected and actual volume of prepayments, as Knab and Aegon hypotheken hedge to the expected repayment date taking into account expected prepayments based on past experience; </p></li><li>\n<p>Difference in the discounting between the hedged item and the hedging instrument, as cash collateralised interest rate swaps are discounted using Overnight Indexed Swaps (OIS) discount curves, which are not applied to the fixed rate mortgages; </p></li><li>\n<p>Hedging derivatives with a non-zero fair value at the date of initial designation as a hedging instrument; and </p></li><li>\n<p>Counterparty credit risk which impacts the fair value of uncollateralised interest rate swaps but not the hedged items. </p></li></ul>\n<p>Knab and Aegon hypotheken manage the interest rate risk arising from fixed rate mortgages by entering into interest rate swaps on a monthly basis. The exposure from these portfolios frequently changes due to new loans originated, contractual repayments and early prepayments made by customers in each period. As a result, Knab and Aegon hypotheken adopt a dynamic hedging strategy (sometime referred to as a \u2018macro\u2019 or \u2018portfolio\u2019 hedge) to hedge the exposure profile by closing and entering into new swap agreements at each month-end. Knab and Aegon hypotheken use the portfolio fair value hedge of interest rate risk to recognise fair value changes related to changes in interest rate risk in the mortgage portfolio, and therefore reduce the profit or loss volatility that would\u00a0 otherwise arise from changes in fair value of the interest rate swaps alone. </p>\n<div class=\"header header-2\">Accrued interest </div>\n<p>In line with Solvency II reporting a.s.r. accounts for debt instruments at their \u201cdirty\u201d fair value, thus including any related accrued interest. </p>\n<div class=\"header header-2\">Business model assessment </div>\n<p>The business model is determined at a level that reflects how groups of financial assets are managed together to achieve a particular business objective. a.s.r.\u2019s business models refer to how a.s.r. manages its financial assets in order to generate cash flows. </p>\n<p>a.s.r. identifies the business model Hold to Collect for the mortgage loans and private loans held by Knab and Aegon hypotheken and for its other financial assets, and identifies the business model Held to Collect &amp; Sell for the bonds portfolio held by Knab. All other debt instruments are mandatorily designated as at FVTPL (business model Other). </p>\n<div class=\"header header-2\">Assessment whether contractual cash flows are solely payments of principal and interest (SPPI) </div>\n<p>For the purpose of this assessment, principal is defined as the fair value of the financial asset on initial recognition. However, the principal may change over time \u2013 e.g. if there are repayments of principal. </p>\n<p>Interest is defined as consideration for the time value of money, for the credit risk associated with the principal amount outstanding during a particular period of time and for other basic lending risks (e.g. liquidity risk) and costs (e.g. administrative costs), as well as a profit margin that is consistent with a basic lending arrangement. Financial assets with embedded derivatives are considered in their entirety when determining whether their cash flows are SPPI. </p>\n<p>a.s.r. assesses the SPPI for the loans and bonds portfolio held by Knab and Aegon hypotheken and for its other financial assets. All other debt instruments are mandatorily designated as at FVTPL (business model Other). </p>\n<div class=\"header header-2\">Subsequent measurement and gains and losses </div>\n<div class=\"header header-3\">Financial assets at amortised cost </div>\n<p>Financial assets at amortised cost are measured at amortised cost using the effective interest method. Interest income, foreign exchange gains and losses and impairment are recognised in profit or loss. Any gain or loss on derecognition is also recognised in profit or loss. </p>\n<div class=\"header header-3\">Financial assets at FVOCI </div>\n<p>Equity investments at FVOCI are measured at fair value. All fair value gains and losses are recorded in OCI, without recycling to profit or loss. Dividends from such investments continue to be recognised in profit or loss as Investment income when a.s.r.\u2019s right to receive payments is established. Impairment requirements are not applicable to equity investments measured as FVOCI. </p>\n<div class=\"header header-3\">Financial assets at FVTPL </div>\n<p>Financial assets at FVTPL are measured at fair value. Net gains and losses, including any interest or dividend income and foreign exchange gains and losses, are recognised in profit or loss. Impairment requirements are not applicable to financial assets measured at FVTPL. </p>\n<p>See accounting policy <a href=\"#n1286848\" title=\"V3. Investment income\">V3</a>. </p>\n<div class=\"header header-2\">Financial liabilities </div>\n<div class=\"header header-2\">Classification </div>\n<p>a.s.r. classifies its liabilities into one of the following categories: </p><ul><li>\n<p>financial liabilities at FVTPL (derivatives); or </p></li><li>\n<p>financial liabilities at amortised cost (all other financial liabilities). </p></li></ul>\n<div class=\"header header-2\">Subsequent measurement and gains and losses </div>\n<div class=\"header header-3\">Financial liabilities at FVTPL </div>\n<p>Financial liabilities at FVTPL are measured at fair value. Net gains and losses, including any interest expenses and foreign exchange gains and losses, are recognised in profit or loss. </p>\n<div class=\"header header-3\">Financial liabilities at amortised cost </div>\n<p>Financial liabilities at amortised cost are measured at amortised cost using the effective interest method. Interest expenses, foreign exchange gains and losses are recognised in profit or loss. Any gain or loss on derecognition is also recognised in profit or loss. </p>\n<div class=\"header header-2\">Accrued interest </div>\n<p>In line with Solvency II reporting a.s.r. accounts for financial liabilities at their \u201cdirty\u201d fair value, thus including any related accrued interest. </p>\n<div class=\"header header-2\">Interest on financial liabilities </div>\n<p>Interest expenses are calculated by applying the effective interest rate to the amortised cost of the liability. When calculating the effective interest rate, a.s.r. estimates future cash flows considering all contractual terms of the liability. </p>\n<div class=\"header header-2\">Derivatives including embedded derivatives </div>\n<p>Derivatives within the insurance entities are primarily used by a.s.r. for hedging interest rate and exchange rate risks, for hedging future transactions and the exposure to market risks. </p>\n<p>These derivatives are classified as held-for-trading. Derivatives are measured at fair value with changes in fair value recognised in profit or loss. Derivatives may be embedded in another contractual arrangement (a host contract). </p>\n<p>For contracts where the host contract is a financial asset in the scope of IFRS 9, the hybrid financial instrument as a whole is assessed for classification and the embedded derivative is not separated from the host contract. </p>\n<p>A derivative embedded in a host insurance or reinsurance contract is not accounted for separately from the host contract if the embedded derivate itself meets the definition of an insurance or reinsurance contract. </p>\n<p>For other contracts, a.s.r. accounts for an embedded derivative separately from the host contract when: </p><ul><li>\n<p>the hybrid contract is not measured at FVTPL; </p></li><li>\n<p>the terms of the embedded derivative would have met the definition of a derivative if they were contained in a separate contract; and </p></li><li>\n<p>the economic characteristics and risks of the embedded derivative are not closely related to those of the host contract. </p></li></ul>\n<div class=\"header header-2\">Impairments in the P&amp;L </div>\n<p>a.s.r. recognises loss allowances for ECL on debt instruments measured at amortised cost or FVOCI. a.s.r. uses the low credit risk simplification for investment grade debt instruments and recognises a lifetime ECL for other financial assets using the simplified approach. Lifetime ECL are the ECL that result from all possible default events over the expected life of a financial instrument. </p>\n<p>ECLs are a probability-weighted estimate of credit losses. Credit losses are measured as the present value of all cash shortfalls (i.e. the difference between the cash flows due to a.s.r. in accordance with the contract and the cash flows that a.s.r. expects to receive). The maximum period considered when estimating ECLs is the maximum contractual period over which a.s.r. is exposed to credit risk. </p>\n<div class=\"header header-3\">Write-off </div>\n<p>The gross carrying amount of a financial asset is written off (either partially or in full) to the extent that there is no realistic prospect of recovery. This is generally the case when a.s.r. determines that the borrower does not have assets or resources of income that could generate sufficient cash flows to repay the amounts subject to the write-off. However, financial assets that are written off could still be subject to enforcement activities in order to comply with a.s.r.\u2019s procedures for recovery of amounts due. Should amounts be recovered these are then recognised when the payment has been received. </p>\n<div class=\"header header-2\">Derecognition and contract modification </div>\n<div class=\"header header-2\">Financial assets </div>\n<p>a.s.r. derecognises a financial asset when the contractual rights to the cash flows from the financial asset expire, or it transfers the rights to receive the contractual cash flows in a transaction in which substantially all of the risks and rewards of ownership of the financial asset are transferred or in which a.s.r. neither transfers nor retains substantially all of the risks and rewards of ownership and it does not retain control of the financial asset. </p>\n<p>On derecognition of a financial asset, the difference between the carrying amount at the date of derecognition and the consideration received (including any new asset obtained less any new liability assumed) is recognised in the income statement, unless the financial asset is an equity instrument and is measured at fair value through other comprehensive income. For these instruments any revaluation amount is transferred within equity from unrealised gains and losses to retained earnings. </p>\n<p>a.s.r. enters into transactions whereby it transfers assets recognised in its balance sheet, but retains either all or substantially all of the risks and rewards of the transferred assets. In these cases, the transferred assets are not derecognised. Examples of such transactions are repurchase agreements, securities lending and reverse repurchase agreements. The asset recognised for cash collateral paid on reverse repurchase agreements is presented under investments. The liability recognised for cash collateral received on repurchase agreements is presented under the line item due to banks. </p>\n<p>In transactions in which a.s.r. neither retains nor transfers substantially all of the risks and rewards of ownership of a financial asset and it retains control over the asset, a.s.r. continues to recognise the asset to the extent of its continuing involvement, determined by the extent to which it is exposed to changes in the value of the transferred asset. </p>\n<p>If the terms of a financial asset are modified, then a.s.r. evaluates whether the cash flows of the modified asset are substantially different. If the cash flows are substantially different, then the contractual rights to cash flows from the original financial asset are deemed to have expired. In this case, the original financial asset is derecognised and a new financial asset is recognised at fair value. </p>\n<p>If a financial asset measured at amortised cost is modified but not substantially, then the financial asset is not derecognised. If the asset has not been derecognised, then a.s.r. recalculates the gross carrying amount of the financial asset by discounting the modified contractual cash flows at the original effective interest rate and recognises the resulting adjustment to the gross carrying amount as a modification gain or loss in profit or loss. If such a modification is carried out because of financial difficulties of the borrower, then the gain or loss is presented together with impairment losses; in other cases, it is presented as interest revenue. </p>\n<div class=\"header header-2\">Financial liabilities </div>\n<p>a.s.r. generally derecognises a financial liability when its contractual obligations expire or are discharged or cancelled. a.s.r. also derecognises a financial liability when its terms are modified and the cash flows of the modified liability are substantially different (i.e. the net present value of the of the cash flows under the new terms discounted at the original effective interest rate is at least 10% different from the discounted present value of the remaining cash flows of the original debt instrument), in which case a new financial liability based on the modified terms is recognised at fair value. </p>\n<p>On derecognition of a financial liability, the difference between the carrying amount extinguished and the consideration paid (including any non-cash assets transferred or liabilities assumed) is recognised in profit or loss. </p>\n<p>If a financial liability measured at amortised cost is not substantially modified, then it is not derecognised. For such financial liabilities, a.s.r. recalculates the amortised cost of the financial liability by discounting the modified contractual cash flows at the original effective interest rate and recognises any resulting adjustment to the amortised cost as a modification gain or loss in \u2018other finance expenses\u2019 in profit or loss. Any costs and fees incurred adjust the carrying amount of the liability and are amortised over the remaining term of the modified liability. </p>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForInvestmentsOtherThanInvestmentsAccountedForUsingEquityMethodExplanatory",
    "language": "en",
    "entity": "scheme:7245000G0HS48PZWUD53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "ixv-558": {
   "value": "\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n1286373\"><span class=\"title-text\">E. Financial assets and financial liabilities </span></h1>\n<p>a.s.r. has chosen to restate the comparative figures for financial assets and liabilities in line with IFRS 9 and the classification overlay approach in accordance with the amendment to IFRS 17 Insurance Contracts: Initial Application of IFRS 17 and IFRS 9 \u2013 Comparative Information. This option results in more useful comparative information. </p>\n<div class=\"header header-2\">Recognition and initial measurement </div>\n<p>a.s.r. recognises deposits and loans and borrowings on the date on which they originate. All other financial instruments are recognised at the transaction date, which is the date on which a.s.r. becomes party to the contractual stipulations of the instrument. </p>\n<p>Financial assets or financial liabilities are initially measured at fair value plus, for a financial asset or financial liability not measured at FVTPL, transaction costs that are directly attributable to its acquisition or issue. </p>\n<div class=\"header header-2\">Classification and subsequent measurement </div>\n<p>When a.s.r. becomes party to a financial asset contract, the related assets are classified into one of the following categories: </p><ul><li>\n<p>Amortised cost; </p></li><li>\n<p>Financial assets at fair value through other comprehensive income (FVOCI); or </p></li><li>\n<p>Financial assets at fair value through profit or loss (FVTPL). </p></li></ul>\n<p>The classification of the financial assets is determined at initial recognition. The classification and measurement of certain financial assets (debt instruments) is based on a.s.r.\u2019s business models in which a financial asset is managed, and its contractual cash flow characteristics. For detailed information on the fair value of the financial assets see accounting policy <a href=\"#n1286307\" title=\"B. Fair value of assets and liabilities\">B</a>. </p>\n<div class=\"header header-2\">Financial assets at amortised cost </div>\n<p>A financial asset (debt instrument) can be measured at amortised cost if it meets both of the following conditions and is not designated as FVTPL: </p><ul><li>\n<p>It is held within a business model whose objective is to hold assets to collect contractual cash flows; and </p></li><li>\n<p>Its contractual terms give rise on specified dates to cash flows that are solely payments of principal and interest on the principal amount outstanding. This is known as the SPPI test. </p></li></ul>\n<p>Debt instruments at amortised cost include mortgage loans and private loans held by Aegon Bank N.V. (Knab) and Aegon Hypotheken B.V. (Aegon hypotheken). </p>\n<p>Financial assets that are designated as hedged items are measured in accordance with the requirements for hedge accounting. </p>\n<div class=\"header header-2\">Financial assets at FVOCI </div>\n<p>Financial assets at FVOCI can be divided into debt instruments and equity instruments. </p>\n<p>A debt instrument can be measured at FVOCI if it meets both the following conditions and is not designated as at FVTPL: </p><ul><li>\n<p>It is held within a business model whose objective is achieved by both collecting contractual cash flows and selling financial assets; and </p></li><li>\n<p>Its contractual terms give rise on specified dates to cash flows that are solely payments of principal and interest on the principal amount outstanding. </p></li></ul>\n<p>Debt instruments at FVOCI are measured at fair value. Unrealised fair value gains and losses are recognised in other comprehensive income, and are subsequently reclassified to profit or loss when realised. Interest income is recognised in profit or loss using the effective interest rate. Debt instruments at FVOCI are subject to the impairment requirements. </p>\n<p>a.s.r. has only classified the bonds portfolio held by Knab and Aegon hypotheken at FVOCI. </p>\n<p>Equity instruments are measured at FVOCI if they are not held for trading and are not designated as at FVTPL. There is no subsequent recycling of fair value gains and losses to profit or loss following the derecognition of the investment if elected to measure the equity investments as FVOCI. </p>\n<p>a.s.r. classifies its equity instruments at FVOCI to reduce volatility in the income statement. </p>\n<div class=\"header header-2\">Financial assets at FVTPL </div>\n<p>All financial assets not classified as measured at amortised cost or FVOCI, as described above, are measured at FVTPL. </p>\n<p>Financial assets at FVTPL include: </p><ul><li>\n<p>Derivatives that do not qualify for hedge accounting; </p></li><li>\n<p>Financial assets that are managed and whose performance is evaluated on a fair value basis, such as: </p><ul><li>\n<p>Debt instruments for which a.s.r. has identified the business model Other; </p></li><li>\n<p>Investments related to direct participating contracts; </p></li><li>\n<p>Financial assets held for trading; </p></li></ul></li><li>\n<p>Associates for which a.s.r. elects to measure at FVTPL under IFRS 9. </p></li></ul>\n<div class=\"header header-3\">Hedge accounting (see also risk management section in chapter 7.8) </div>\n<p>To qualify for hedge accounting, the hedge relationship is designated and formally documented at inception, detailing the particular risk management objective and strategy for the hedge (which includes the item and risk that is being hedged), the derivative that is being used and how hedge effectiveness is being assessed. A derivative has to be effective in accomplishing the objective of offsetting either changes in fair value or cash flows for the risk being hedged. The effectiveness of the hedging relationship is evaluated on a prospective and retrospective basis using qualitative and quantitative measures of correlation. A hedging relationship is considered effective if the results of the hedging instrument are within a ratio of 80% to 125% of the results of the hedged item. a.s.r. has elected to continue to apply the hedge accounting requirements of IAS 39 for macro fair value hedges (EU \u2018carve out\u2019) on adoption of IFRS 9. </p>\n<p>As part of its asset liability management, a.s.r. enters into economic hedges to limit its risk exposure at Knab and Aegon hypotheken. These transactions are assessed to determine whether hedge accounting can and should be applied. a.s.r. currently applies hedge accounting for fair value hedges. </p>\n<div class=\"header header-4\">Fair value hedges </div>\n<p>a.s.r. applies fair value hedge accounting to portfolio hedges of interest rate risk (fair value macro hedging) under the EU \u2018carve out\u2019 of EU-IFRS. The EU \u2018carve out\u2019 macro hedging enables a group of derivatives (or proportions thereof) to be viewed in combination and jointly designated as the hedging instrument and removes some of the limitations in fair value hedge accounting. Under the EU \u2018carve out\u2019, ineffectiveness in fair value hedge accounting only arises when the revised projection of the amount of cash flows in scheduled time buckets falls below the designated amount of that bucket. a.s.r. applies fair value hedge accounting for portfolio hedges of interest rate risk (macro hedging) under the EU \u2018carve out\u2019 to mortgage loans. Changes in the fair value of the derivatives are recognised in the income statement, together with the fair value adjustment on the mortgage loans (hedged items) insofar as attributable to interest rate risk (the hedged risk). If the hedge relationship no longer meets the criteria for hedge accounting, the cumulative adjustment of the hedged item is, in the case of interest bearing instruments, amortised through the income statement over the remaining term of the original hedge or recognised directly when the hedged item is derecognised. </p>\n<p>Knab and Aegon hypotheken hold portfolios of long-term fixed rate mortgages and therefore are exposed to changes in fair value due to movements in market interest rates. Knab and Aegon hypotheken manage this risk exposure by entering into pay fixed/receive floating interest rate swaps. </p>\n<p>Only the interest rate risk element is hedged and therefore other risks, such as credit risk, are managed but not hedged by Knab and Aegon hypotheken. This hedging strategy is applied to the portion of exposure that is not naturally offset against matching positions held by Knab and Aegon hypotheken. Changes in fair value of the long-term fixed rate mortgages arising from changes in interest rate are usually the largest component of the overall change in fair value. This strategy is designated as a fair value hedge and its effectiveness is assessed by comparing changes in the fair value of the loans attributable to changes in the benchmark rate of interest with changes in the fair value of the interest rate swaps. </p>\n<p>Knab and Aegon hypotheken establish the hedging ratio by matching the notional of the derivatives with the principal of the portfolio being hedged. Possible sources of ineffectiveness are as follows: </p><ul><li>\n<p>Differences between the expected and actual volume of prepayments, as Knab and Aegon hypotheken hedge to the expected repayment date taking into account expected prepayments based on past experience; </p></li><li>\n<p>Difference in the discounting between the hedged item and the hedging instrument, as cash collateralised interest rate swaps are discounted using Overnight Indexed Swaps (OIS) discount curves, which are not applied to the fixed rate mortgages; </p></li><li>\n<p>Hedging derivatives with a non-zero fair value at the date of initial designation as a hedging instrument; and </p></li><li>\n<p>Counterparty credit risk which impacts the fair value of uncollateralised interest rate swaps but not the hedged items. </p></li></ul>\n<p>Knab and Aegon hypotheken manage the interest rate risk arising from fixed rate mortgages by entering into interest rate swaps on a monthly basis. The exposure from these portfolios frequently changes due to new loans originated, contractual repayments and early prepayments made by customers in each period. As a result, Knab and Aegon hypotheken adopt a dynamic hedging strategy (sometime referred to as a \u2018macro\u2019 or \u2018portfolio\u2019 hedge) to hedge the exposure profile by closing and entering into new swap agreements at each month-end. Knab and Aegon hypotheken use the portfolio fair value hedge of interest rate risk to recognise fair value changes related to changes in interest rate risk in the mortgage portfolio, and therefore reduce the profit or loss volatility that would\u00a0 otherwise arise from changes in fair value of the interest rate swaps alone. </p>\n<div class=\"header header-2\">Accrued interest </div>\n<p>In line with Solvency II reporting a.s.r. accounts for debt instruments at their \u201cdirty\u201d fair value, thus including any related accrued interest. </p>\n<div class=\"header header-2\">Business model assessment </div>\n<p>The business model is determined at a level that reflects how groups of financial assets are managed together to achieve a particular business objective. a.s.r.\u2019s business models refer to how a.s.r. manages its financial assets in order to generate cash flows. </p>\n<p>a.s.r. identifies the business model Hold to Collect for the mortgage loans and private loans held by Knab and Aegon hypotheken and for its other financial assets, and identifies the business model Held to Collect &amp; Sell for the bonds portfolio held by Knab. All other debt instruments are mandatorily designated as at FVTPL (business model Other). </p>\n<div class=\"header header-2\">Assessment whether contractual cash flows are solely payments of principal and interest (SPPI) </div>\n<p>For the purpose of this assessment, principal is defined as the fair value of the financial asset on initial recognition. However, the principal may change over time \u2013 e.g. if there are repayments of principal. </p>\n<p>Interest is defined as consideration for the time value of money, for the credit risk associated with the principal amount outstanding during a particular period of time and for other basic lending risks (e.g. liquidity risk) and costs (e.g. administrative costs), as well as a profit margin that is consistent with a basic lending arrangement. Financial assets with embedded derivatives are considered in their entirety when determining whether their cash flows are SPPI. </p>\n<p>a.s.r. assesses the SPPI for the loans and bonds portfolio held by Knab and Aegon hypotheken and for its other financial assets. All other debt instruments are mandatorily designated as at FVTPL (business model Other). </p>\n<div class=\"header header-2\">Subsequent measurement and gains and losses </div>\n<div class=\"header header-3\">Financial assets at amortised cost </div>\n<p>Financial assets at amortised cost are measured at amortised cost using the effective interest method. Interest income, foreign exchange gains and losses and impairment are recognised in profit or loss. Any gain or loss on derecognition is also recognised in profit or loss. </p>\n<div class=\"header header-3\">Financial assets at FVOCI </div>\n<p>Equity investments at FVOCI are measured at fair value. All fair value gains and losses are recorded in OCI, without recycling to profit or loss. Dividends from such investments continue to be recognised in profit or loss as Investment income when a.s.r.\u2019s right to receive payments is established. Impairment requirements are not applicable to equity investments measured as FVOCI. </p>\n<div class=\"header header-3\">Financial assets at FVTPL </div>\n<p>Financial assets at FVTPL are measured at fair value. Net gains and losses, including any interest or dividend income and foreign exchange gains and losses, are recognised in profit or loss. Impairment requirements are not applicable to financial assets measured at FVTPL. </p>\n<p>See accounting policy <a href=\"#n1286848\" title=\"V3. Investment income\">V3</a>. </p>\n<div class=\"header header-2\">Financial liabilities </div>\n<div class=\"header header-2\">Classification </div>\n<p>a.s.r. classifies its liabilities into one of the following categories: </p><ul><li>\n<p>financial liabilities at FVTPL (derivatives); or </p></li><li>\n<p>financial liabilities at amortised cost (all other financial liabilities). </p></li></ul>\n<div class=\"header header-2\">Subsequent measurement and gains and losses </div>\n<div class=\"header header-3\">Financial liabilities at FVTPL </div>\n<p>Financial liabilities at FVTPL are measured at fair value. Net gains and losses, including any interest expenses and foreign exchange gains and losses, are recognised in profit or loss. </p>\n<div class=\"header header-3\">Financial liabilities at amortised cost </div>\n<p>Financial liabilities at amortised cost are measured at amortised cost using the effective interest method. Interest expenses, foreign exchange gains and losses are recognised in profit or loss. Any gain or loss on derecognition is also recognised in profit or loss. </p>\n<div class=\"header header-2\">Accrued interest </div>\n<p>In line with Solvency II reporting a.s.r. accounts for financial liabilities at their \u201cdirty\u201d fair value, thus including any related accrued interest. </p>\n<div class=\"header header-2\">Interest on financial liabilities </div>\n<p>Interest expenses are calculated by applying the effective interest rate to the amortised cost of the liability. When calculating the effective interest rate, a.s.r. estimates future cash flows considering all contractual terms of the liability. </p>\n<div class=\"header header-2\">Derivatives including embedded derivatives </div>\n<p>Derivatives within the insurance entities are primarily used by a.s.r. for hedging interest rate and exchange rate risks, for hedging future transactions and the exposure to market risks. </p>\n<p>These derivatives are classified as held-for-trading. Derivatives are measured at fair value with changes in fair value recognised in profit or loss. Derivatives may be embedded in another contractual arrangement (a host contract). </p>\n<p>For contracts where the host contract is a financial asset in the scope of IFRS 9, the hybrid financial instrument as a whole is assessed for classification and the embedded derivative is not separated from the host contract. </p>\n<p>A derivative embedded in a host insurance or reinsurance contract is not accounted for separately from the host contract if the embedded derivate itself meets the definition of an insurance or reinsurance contract. </p>\n<p>For other contracts, a.s.r. accounts for an embedded derivative separately from the host contract when: </p><ul><li>\n<p>the hybrid contract is not measured at FVTPL; </p></li><li>\n<p>the terms of the embedded derivative would have met the definition of a derivative if they were contained in a separate contract; and </p></li><li>\n<p>the economic characteristics and risks of the embedded derivative are not closely related to those of the host contract. </p></li></ul>\n<div class=\"header header-2\">Impairments in the P&amp;L </div>\n<p>a.s.r. recognises loss allowances for ECL on debt instruments measured at amortised cost or FVOCI. a.s.r. uses the low credit risk simplification for investment grade debt instruments and recognises a lifetime ECL for other financial assets using the simplified approach. Lifetime ECL are the ECL that result from all possible default events over the expected life of a financial instrument. </p>\n<p>ECLs are a probability-weighted estimate of credit losses. Credit losses are measured as the present value of all cash shortfalls (i.e. the difference between the cash flows due to a.s.r. in accordance with the contract and the cash flows that a.s.r. expects to receive). The maximum period considered when estimating ECLs is the maximum contractual period over which a.s.r. is exposed to credit risk. </p>\n<div class=\"header header-3\">Write-off </div>\n<p>The gross carrying amount of a financial asset is written off (either partially or in full) to the extent that there is no realistic prospect of recovery. This is generally the case when a.s.r. determines that the borrower does not have assets or resources of income that could generate sufficient cash flows to repay the amounts subject to the write-off. However, financial assets that are written off could still be subject to enforcement activities in order to comply with a.s.r.\u2019s procedures for recovery of amounts due. Should amounts be recovered these are then recognised when the payment has been received. </p>\n<div class=\"header header-2\">Derecognition and contract modification </div>\n<div class=\"header header-2\">Financial assets </div>\n<p>a.s.r. derecognises a financial asset when the contractual rights to the cash flows from the financial asset expire, or it transfers the rights to receive the contractual cash flows in a transaction in which substantially all of the risks and rewards of ownership of the financial asset are transferred or in which a.s.r. neither transfers nor retains substantially all of the risks and rewards of ownership and it does not retain control of the financial asset. </p>\n<p>On derecognition of a financial asset, the difference between the carrying amount at the date of derecognition and the consideration received (including any new asset obtained less any new liability assumed) is recognised in the income statement, unless the financial asset is an equity instrument and is measured at fair value through other comprehensive income. For these instruments any revaluation amount is transferred within equity from unrealised gains and losses to retained earnings. </p>\n<p>a.s.r. enters into transactions whereby it transfers assets recognised in its balance sheet, but retains either all or substantially all of the risks and rewards of the transferred assets. In these cases, the transferred assets are not derecognised. Examples of such transactions are repurchase agreements, securities lending and reverse repurchase agreements. The asset recognised for cash collateral paid on reverse repurchase agreements is presented under investments. The liability recognised for cash collateral received on repurchase agreements is presented under the line item due to banks. </p>\n<p>In transactions in which a.s.r. neither retains nor transfers substantially all of the risks and rewards of ownership of a financial asset and it retains control over the asset, a.s.r. continues to recognise the asset to the extent of its continuing involvement, determined by the extent to which it is exposed to changes in the value of the transferred asset. </p>\n<p>If the terms of a financial asset are modified, then a.s.r. evaluates whether the cash flows of the modified asset are substantially different. If the cash flows are substantially different, then the contractual rights to cash flows from the original financial asset are deemed to have expired. In this case, the original financial asset is derecognised and a new financial asset is recognised at fair value. </p>\n<p>If a financial asset measured at amortised cost is modified but not substantially, then the financial asset is not derecognised. If the asset has not been derecognised, then a.s.r. recalculates the gross carrying amount of the financial asset by discounting the modified contractual cash flows at the original effective interest rate and recognises the resulting adjustment to the gross carrying amount as a modification gain or loss in profit or loss. If such a modification is carried out because of financial difficulties of the borrower, then the gain or loss is presented together with impairment losses; in other cases, it is presented as interest revenue. </p>\n<div class=\"header header-2\">Financial liabilities </div>\n<p>a.s.r. generally derecognises a financial liability when its contractual obligations expire or are discharged or cancelled. a.s.r. also derecognises a financial liability when its terms are modified and the cash flows of the modified liability are substantially different (i.e. the net present value of the of the cash flows under the new terms discounted at the original effective interest rate is at least 10% different from the discounted present value of the remaining cash flows of the original debt instrument), in which case a new financial liability based on the modified terms is recognised at fair value. </p>\n<p>On derecognition of a financial liability, the difference between the carrying amount extinguished and the consideration paid (including any non-cash assets transferred or liabilities assumed) is recognised in profit or loss. </p>\n<p>If a financial liability measured at amortised cost is not substantially modified, then it is not derecognised. For such financial liabilities, a.s.r. recalculates the amortised cost of the financial liability by discounting the modified contractual cash flows at the original effective interest rate and recognises any resulting adjustment to the amortised cost as a modification gain or loss in \u2018other finance expenses\u2019 in profit or loss. Any costs and fees incurred adjust the carrying amount of the liability and are amortised over the remaining term of the modified liability. </p>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n1286598\"><span class=\"title-text\">M. Securities lending </span></h1>\n<p>a.s.r. participates in securities lending transactions, whereby collateral is received in the form of securities or cash. Cash received as collateral is recognised in the balance sheet and a corresponding liability is recognised as liabilities arising from securities lending in \u2018Due to banks\u2019. Securities lent remain on the balance sheet. Securities received as collateral are not recognised in the balance sheet. </p>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n1286711\"><span class=\"title-text\">R. Cash and cash equivalents </span></h1>\n<p>Cash and cash equivalents include cash in hand, deposits held at call with banks, cash collateral and other short-term highly liquid investments that are not subject to a significant risk of changes in value. Cash and cash equivalents are measured at fair value through profit or loss. </p>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForCollateralExplanatory",
    "language": "en",
    "entity": "scheme:7245000G0HS48PZWUD53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "ixv-559": {
   "value": "\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n1286373\"><span class=\"title-text\">E. Financial assets and financial liabilities </span></h1>\n<p>a.s.r. has chosen to restate the comparative figures for financial assets and liabilities in line with IFRS 9 and the classification overlay approach in accordance with the amendment to IFRS 17 Insurance Contracts: Initial Application of IFRS 17 and IFRS 9 \u2013 Comparative Information. This option results in more useful comparative information. </p>\n<div class=\"header header-2\">Recognition and initial measurement </div>\n<p>a.s.r. recognises deposits and loans and borrowings on the date on which they originate. All other financial instruments are recognised at the transaction date, which is the date on which a.s.r. becomes party to the contractual stipulations of the instrument. </p>\n<p>Financial assets or financial liabilities are initially measured at fair value plus, for a financial asset or financial liability not measured at FVTPL, transaction costs that are directly attributable to its acquisition or issue. </p>\n<div class=\"header header-2\">Classification and subsequent measurement </div>\n<p>When a.s.r. becomes party to a financial asset contract, the related assets are classified into one of the following categories: </p><ul><li>\n<p>Amortised cost; </p></li><li>\n<p>Financial assets at fair value through other comprehensive income (FVOCI); or </p></li><li>\n<p>Financial assets at fair value through profit or loss (FVTPL). </p></li></ul>\n<p>The classification of the financial assets is determined at initial recognition. The classification and measurement of certain financial assets (debt instruments) is based on a.s.r.\u2019s business models in which a financial asset is managed, and its contractual cash flow characteristics. For detailed information on the fair value of the financial assets see accounting policy <a href=\"#n1286307\" title=\"B. Fair value of assets and liabilities\">B</a>. </p>\n<div class=\"header header-2\">Financial assets at amortised cost </div>\n<p>A financial asset (debt instrument) can be measured at amortised cost if it meets both of the following conditions and is not designated as FVTPL: </p><ul><li>\n<p>It is held within a business model whose objective is to hold assets to collect contractual cash flows; and </p></li><li>\n<p>Its contractual terms give rise on specified dates to cash flows that are solely payments of principal and interest on the principal amount outstanding. This is known as the SPPI test. </p></li></ul>\n<p>Debt instruments at amortised cost include mortgage loans and private loans held by Aegon Bank N.V. (Knab) and Aegon Hypotheken B.V. (Aegon hypotheken). </p>\n<p>Financial assets that are designated as hedged items are measured in accordance with the requirements for hedge accounting. </p>\n<div class=\"header header-2\">Financial assets at FVOCI </div>\n<p>Financial assets at FVOCI can be divided into debt instruments and equity instruments. </p>\n<p>A debt instrument can be measured at FVOCI if it meets both the following conditions and is not designated as at FVTPL: </p><ul><li>\n<p>It is held within a business model whose objective is achieved by both collecting contractual cash flows and selling financial assets; and </p></li><li>\n<p>Its contractual terms give rise on specified dates to cash flows that are solely payments of principal and interest on the principal amount outstanding. </p></li></ul>\n<p>Debt instruments at FVOCI are measured at fair value. Unrealised fair value gains and losses are recognised in other comprehensive income, and are subsequently reclassified to profit or loss when realised. Interest income is recognised in profit or loss using the effective interest rate. Debt instruments at FVOCI are subject to the impairment requirements. </p>\n<p>a.s.r. has only classified the bonds portfolio held by Knab and Aegon hypotheken at FVOCI. </p>\n<p>Equity instruments are measured at FVOCI if they are not held for trading and are not designated as at FVTPL. There is no subsequent recycling of fair value gains and losses to profit or loss following the derecognition of the investment if elected to measure the equity investments as FVOCI. </p>\n<p>a.s.r. classifies its equity instruments at FVOCI to reduce volatility in the income statement. </p>\n<div class=\"header header-2\">Financial assets at FVTPL </div>\n<p>All financial assets not classified as measured at amortised cost or FVOCI, as described above, are measured at FVTPL. </p>\n<p>Financial assets at FVTPL include: </p><ul><li>\n<p>Derivatives that do not qualify for hedge accounting; </p></li><li>\n<p>Financial assets that are managed and whose performance is evaluated on a fair value basis, such as: </p><ul><li>\n<p>Debt instruments for which a.s.r. has identified the business model Other; </p></li><li>\n<p>Investments related to direct participating contracts; </p></li><li>\n<p>Financial assets held for trading; </p></li></ul></li><li>\n<p>Associates for which a.s.r. elects to measure at FVTPL under IFRS 9. </p></li></ul>\n<div class=\"header header-3\">Hedge accounting (see also risk management section in chapter 7.8) </div>\n<p>To qualify for hedge accounting, the hedge relationship is designated and formally documented at inception, detailing the particular risk management objective and strategy for the hedge (which includes the item and risk that is being hedged), the derivative that is being used and how hedge effectiveness is being assessed. A derivative has to be effective in accomplishing the objective of offsetting either changes in fair value or cash flows for the risk being hedged. The effectiveness of the hedging relationship is evaluated on a prospective and retrospective basis using qualitative and quantitative measures of correlation. A hedging relationship is considered effective if the results of the hedging instrument are within a ratio of 80% to 125% of the results of the hedged item. a.s.r. has elected to continue to apply the hedge accounting requirements of IAS 39 for macro fair value hedges (EU \u2018carve out\u2019) on adoption of IFRS 9. </p>\n<p>As part of its asset liability management, a.s.r. enters into economic hedges to limit its risk exposure at Knab and Aegon hypotheken. These transactions are assessed to determine whether hedge accounting can and should be applied. a.s.r. currently applies hedge accounting for fair value hedges. </p>\n<div class=\"header header-4\">Fair value hedges </div>\n<p>a.s.r. applies fair value hedge accounting to portfolio hedges of interest rate risk (fair value macro hedging) under the EU \u2018carve out\u2019 of EU-IFRS. The EU \u2018carve out\u2019 macro hedging enables a group of derivatives (or proportions thereof) to be viewed in combination and jointly designated as the hedging instrument and removes some of the limitations in fair value hedge accounting. Under the EU \u2018carve out\u2019, ineffectiveness in fair value hedge accounting only arises when the revised projection of the amount of cash flows in scheduled time buckets falls below the designated amount of that bucket. a.s.r. applies fair value hedge accounting for portfolio hedges of interest rate risk (macro hedging) under the EU \u2018carve out\u2019 to mortgage loans. Changes in the fair value of the derivatives are recognised in the income statement, together with the fair value adjustment on the mortgage loans (hedged items) insofar as attributable to interest rate risk (the hedged risk). If the hedge relationship no longer meets the criteria for hedge accounting, the cumulative adjustment of the hedged item is, in the case of interest bearing instruments, amortised through the income statement over the remaining term of the original hedge or recognised directly when the hedged item is derecognised. </p>\n<p>Knab and Aegon hypotheken hold portfolios of long-term fixed rate mortgages and therefore are exposed to changes in fair value due to movements in market interest rates. Knab and Aegon hypotheken manage this risk exposure by entering into pay fixed/receive floating interest rate swaps. </p>\n<p>Only the interest rate risk element is hedged and therefore other risks, such as credit risk, are managed but not hedged by Knab and Aegon hypotheken. This hedging strategy is applied to the portion of exposure that is not naturally offset against matching positions held by Knab and Aegon hypotheken. Changes in fair value of the long-term fixed rate mortgages arising from changes in interest rate are usually the largest component of the overall change in fair value. This strategy is designated as a fair value hedge and its effectiveness is assessed by comparing changes in the fair value of the loans attributable to changes in the benchmark rate of interest with changes in the fair value of the interest rate swaps. </p>\n<p>Knab and Aegon hypotheken establish the hedging ratio by matching the notional of the derivatives with the principal of the portfolio being hedged. Possible sources of ineffectiveness are as follows: </p><ul><li>\n<p>Differences between the expected and actual volume of prepayments, as Knab and Aegon hypotheken hedge to the expected repayment date taking into account expected prepayments based on past experience; </p></li><li>\n<p>Difference in the discounting between the hedged item and the hedging instrument, as cash collateralised interest rate swaps are discounted using Overnight Indexed Swaps (OIS) discount curves, which are not applied to the fixed rate mortgages; </p></li><li>\n<p>Hedging derivatives with a non-zero fair value at the date of initial designation as a hedging instrument; and </p></li><li>\n<p>Counterparty credit risk which impacts the fair value of uncollateralised interest rate swaps but not the hedged items. </p></li></ul>\n<p>Knab and Aegon hypotheken manage the interest rate risk arising from fixed rate mortgages by entering into interest rate swaps on a monthly basis. The exposure from these portfolios frequently changes due to new loans originated, contractual repayments and early prepayments made by customers in each period. As a result, Knab and Aegon hypotheken adopt a dynamic hedging strategy (sometime referred to as a \u2018macro\u2019 or \u2018portfolio\u2019 hedge) to hedge the exposure profile by closing and entering into new swap agreements at each month-end. Knab and Aegon hypotheken use the portfolio fair value hedge of interest rate risk to recognise fair value changes related to changes in interest rate risk in the mortgage portfolio, and therefore reduce the profit or loss volatility that would\u00a0 otherwise arise from changes in fair value of the interest rate swaps alone. </p>\n<div class=\"header header-2\">Accrued interest </div>\n<p>In line with Solvency II reporting a.s.r. accounts for debt instruments at their \u201cdirty\u201d fair value, thus including any related accrued interest. </p>\n<div class=\"header header-2\">Business model assessment </div>\n<p>The business model is determined at a level that reflects how groups of financial assets are managed together to achieve a particular business objective. a.s.r.\u2019s business models refer to how a.s.r. manages its financial assets in order to generate cash flows. </p>\n<p>a.s.r. identifies the business model Hold to Collect for the mortgage loans and private loans held by Knab and Aegon hypotheken and for its other financial assets, and identifies the business model Held to Collect &amp; Sell for the bonds portfolio held by Knab. All other debt instruments are mandatorily designated as at FVTPL (business model Other). </p>\n<div class=\"header header-2\">Assessment whether contractual cash flows are solely payments of principal and interest (SPPI) </div>\n<p>For the purpose of this assessment, principal is defined as the fair value of the financial asset on initial recognition. However, the principal may change over time \u2013 e.g. if there are repayments of principal. </p>\n<p>Interest is defined as consideration for the time value of money, for the credit risk associated with the principal amount outstanding during a particular period of time and for other basic lending risks (e.g. liquidity risk) and costs (e.g. administrative costs), as well as a profit margin that is consistent with a basic lending arrangement. Financial assets with embedded derivatives are considered in their entirety when determining whether their cash flows are SPPI. </p>\n<p>a.s.r. assesses the SPPI for the loans and bonds portfolio held by Knab and Aegon hypotheken and for its other financial assets. All other debt instruments are mandatorily designated as at FVTPL (business model Other). </p>\n<div class=\"header header-2\">Subsequent measurement and gains and losses </div>\n<div class=\"header header-3\">Financial assets at amortised cost </div>\n<p>Financial assets at amortised cost are measured at amortised cost using the effective interest method. Interest income, foreign exchange gains and losses and impairment are recognised in profit or loss. Any gain or loss on derecognition is also recognised in profit or loss. </p>\n<div class=\"header header-3\">Financial assets at FVOCI </div>\n<p>Equity investments at FVOCI are measured at fair value. All fair value gains and losses are recorded in OCI, without recycling to profit or loss. Dividends from such investments continue to be recognised in profit or loss as Investment income when a.s.r.\u2019s right to receive payments is established. Impairment requirements are not applicable to equity investments measured as FVOCI. </p>\n<div class=\"header header-3\">Financial assets at FVTPL </div>\n<p>Financial assets at FVTPL are measured at fair value. Net gains and losses, including any interest or dividend income and foreign exchange gains and losses, are recognised in profit or loss. Impairment requirements are not applicable to financial assets measured at FVTPL. </p>\n<p>See accounting policy <a href=\"#n1286848\" title=\"V3. Investment income\">V3</a>. </p>\n<div class=\"header header-2\">Financial liabilities </div>\n<div class=\"header header-2\">Classification </div>\n<p>a.s.r. classifies its liabilities into one of the following categories: </p><ul><li>\n<p>financial liabilities at FVTPL (derivatives); or </p></li><li>\n<p>financial liabilities at amortised cost (all other financial liabilities). </p></li></ul>\n<div class=\"header header-2\">Subsequent measurement and gains and losses </div>\n<div class=\"header header-3\">Financial liabilities at FVTPL </div>\n<p>Financial liabilities at FVTPL are measured at fair value. Net gains and losses, including any interest expenses and foreign exchange gains and losses, are recognised in profit or loss. </p>\n<div class=\"header header-3\">Financial liabilities at amortised cost </div>\n<p>Financial liabilities at amortised cost are measured at amortised cost using the effective interest method. Interest expenses, foreign exchange gains and losses are recognised in profit or loss. Any gain or loss on derecognition is also recognised in profit or loss. </p>\n<div class=\"header header-2\">Accrued interest </div>\n<p>In line with Solvency II reporting a.s.r. accounts for financial liabilities at their \u201cdirty\u201d fair value, thus including any related accrued interest. </p>\n<div class=\"header header-2\">Interest on financial liabilities </div>\n<p>Interest expenses are calculated by applying the effective interest rate to the amortised cost of the liability. When calculating the effective interest rate, a.s.r. estimates future cash flows considering all contractual terms of the liability. </p>\n<div class=\"header header-2\">Derivatives including embedded derivatives </div>\n<p>Derivatives within the insurance entities are primarily used by a.s.r. for hedging interest rate and exchange rate risks, for hedging future transactions and the exposure to market risks. </p>\n<p>These derivatives are classified as held-for-trading. Derivatives are measured at fair value with changes in fair value recognised in profit or loss. Derivatives may be embedded in another contractual arrangement (a host contract). </p>\n<p>For contracts where the host contract is a financial asset in the scope of IFRS 9, the hybrid financial instrument as a whole is assessed for classification and the embedded derivative is not separated from the host contract. </p>\n<p>A derivative embedded in a host insurance or reinsurance contract is not accounted for separately from the host contract if the embedded derivate itself meets the definition of an insurance or reinsurance contract. </p>\n<p>For other contracts, a.s.r. accounts for an embedded derivative separately from the host contract when: </p><ul><li>\n<p>the hybrid contract is not measured at FVTPL; </p></li><li>\n<p>the terms of the embedded derivative would have met the definition of a derivative if they were contained in a separate contract; and </p></li><li>\n<p>the economic characteristics and risks of the embedded derivative are not closely related to those of the host contract. </p></li></ul>\n<div class=\"header header-2\">Impairments in the P&amp;L </div>\n<p>a.s.r. recognises loss allowances for ECL on debt instruments measured at amortised cost or FVOCI. a.s.r. uses the low credit risk simplification for investment grade debt instruments and recognises a lifetime ECL for other financial assets using the simplified approach. Lifetime ECL are the ECL that result from all possible default events over the expected life of a financial instrument. </p>\n<p>ECLs are a probability-weighted estimate of credit losses. Credit losses are measured as the present value of all cash shortfalls (i.e. the difference between the cash flows due to a.s.r. in accordance with the contract and the cash flows that a.s.r. expects to receive). The maximum period considered when estimating ECLs is the maximum contractual period over which a.s.r. is exposed to credit risk. </p>\n<div class=\"header header-3\">Write-off </div>\n<p>The gross carrying amount of a financial asset is written off (either partially or in full) to the extent that there is no realistic prospect of recovery. This is generally the case when a.s.r. determines that the borrower does not have assets or resources of income that could generate sufficient cash flows to repay the amounts subject to the write-off. However, financial assets that are written off could still be subject to enforcement activities in order to comply with a.s.r.\u2019s procedures for recovery of amounts due. Should amounts be recovered these are then recognised when the payment has been received. </p>\n<div class=\"header header-2\">Derecognition and contract modification </div>\n<div class=\"header header-2\">Financial assets </div>\n<p>a.s.r. derecognises a financial asset when the contractual rights to the cash flows from the financial asset expire, or it transfers the rights to receive the contractual cash flows in a transaction in which substantially all of the risks and rewards of ownership of the financial asset are transferred or in which a.s.r. neither transfers nor retains substantially all of the risks and rewards of ownership and it does not retain control of the financial asset. </p>\n<p>On derecognition of a financial asset, the difference between the carrying amount at the date of derecognition and the consideration received (including any new asset obtained less any new liability assumed) is recognised in the income statement, unless the financial asset is an equity instrument and is measured at fair value through other comprehensive income. For these instruments any revaluation amount is transferred within equity from unrealised gains and losses to retained earnings. </p>\n<p>a.s.r. enters into transactions whereby it transfers assets recognised in its balance sheet, but retains either all or substantially all of the risks and rewards of the transferred assets. In these cases, the transferred assets are not derecognised. Examples of such transactions are repurchase agreements, securities lending and reverse repurchase agreements. The asset recognised for cash collateral paid on reverse repurchase agreements is presented under investments. The liability recognised for cash collateral received on repurchase agreements is presented under the line item due to banks. </p>\n<p>In transactions in which a.s.r. neither retains nor transfers substantially all of the risks and rewards of ownership of a financial asset and it retains control over the asset, a.s.r. continues to recognise the asset to the extent of its continuing involvement, determined by the extent to which it is exposed to changes in the value of the transferred asset. </p>\n<p>If the terms of a financial asset are modified, then a.s.r. evaluates whether the cash flows of the modified asset are substantially different. If the cash flows are substantially different, then the contractual rights to cash flows from the original financial asset are deemed to have expired. In this case, the original financial asset is derecognised and a new financial asset is recognised at fair value. </p>\n<p>If a financial asset measured at amortised cost is modified but not substantially, then the financial asset is not derecognised. If the asset has not been derecognised, then a.s.r. recalculates the gross carrying amount of the financial asset by discounting the modified contractual cash flows at the original effective interest rate and recognises the resulting adjustment to the gross carrying amount as a modification gain or loss in profit or loss. If such a modification is carried out because of financial difficulties of the borrower, then the gain or loss is presented together with impairment losses; in other cases, it is presented as interest revenue. </p>\n<div class=\"header header-2\">Financial liabilities </div>\n<p>a.s.r. generally derecognises a financial liability when its contractual obligations expire or are discharged or cancelled. a.s.r. also derecognises a financial liability when its terms are modified and the cash flows of the modified liability are substantially different (i.e. the net present value of the of the cash flows under the new terms discounted at the original effective interest rate is at least 10% different from the discounted present value of the remaining cash flows of the original debt instrument), in which case a new financial liability based on the modified terms is recognised at fair value. </p>\n<p>On derecognition of a financial liability, the difference between the carrying amount extinguished and the consideration paid (including any non-cash assets transferred or liabilities assumed) is recognised in profit or loss. </p>\n<p>If a financial liability measured at amortised cost is not substantially modified, then it is not derecognised. For such financial liabilities, a.s.r. recalculates the amortised cost of the financial liability by discounting the modified contractual cash flows at the original effective interest rate and recognises any resulting adjustment to the amortised cost as a modification gain or loss in \u2018other finance expenses\u2019 in profit or loss. Any costs and fees incurred adjust the carrying amount of the liability and are amortised over the remaining term of the modified liability. </p>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForDerivativeFinancialInstrumentsExplanatory",
    "language": "en",
    "entity": "scheme:7245000G0HS48PZWUD53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "ixv-560": {
   "value": "\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n1286373\"><span class=\"title-text\">E. Financial assets and financial liabilities </span></h1>\n<p>a.s.r. has chosen to restate the comparative figures for financial assets and liabilities in line with IFRS 9 and the classification overlay approach in accordance with the amendment to IFRS 17 Insurance Contracts: Initial Application of IFRS 17 and IFRS 9 \u2013 Comparative Information. This option results in more useful comparative information. </p>\n<div class=\"header header-2\">Recognition and initial measurement </div>\n<p>a.s.r. recognises deposits and loans and borrowings on the date on which they originate. All other financial instruments are recognised at the transaction date, which is the date on which a.s.r. becomes party to the contractual stipulations of the instrument. </p>\n<p>Financial assets or financial liabilities are initially measured at fair value plus, for a financial asset or financial liability not measured at FVTPL, transaction costs that are directly attributable to its acquisition or issue. </p>\n<div class=\"header header-2\">Classification and subsequent measurement </div>\n<p>When a.s.r. becomes party to a financial asset contract, the related assets are classified into one of the following categories: </p><ul><li>\n<p>Amortised cost; </p></li><li>\n<p>Financial assets at fair value through other comprehensive income (FVOCI); or </p></li><li>\n<p>Financial assets at fair value through profit or loss (FVTPL). </p></li></ul>\n<p>The classification of the financial assets is determined at initial recognition. The classification and measurement of certain financial assets (debt instruments) is based on a.s.r.\u2019s business models in which a financial asset is managed, and its contractual cash flow characteristics. For detailed information on the fair value of the financial assets see accounting policy <a href=\"#n1286307\" title=\"B. Fair value of assets and liabilities\">B</a>. </p>\n<div class=\"header header-2\">Financial assets at amortised cost </div>\n<p>A financial asset (debt instrument) can be measured at amortised cost if it meets both of the following conditions and is not designated as FVTPL: </p><ul><li>\n<p>It is held within a business model whose objective is to hold assets to collect contractual cash flows; and </p></li><li>\n<p>Its contractual terms give rise on specified dates to cash flows that are solely payments of principal and interest on the principal amount outstanding. This is known as the SPPI test. </p></li></ul>\n<p>Debt instruments at amortised cost include mortgage loans and private loans held by Aegon Bank N.V. (Knab) and Aegon Hypotheken B.V. (Aegon hypotheken). </p>\n<p>Financial assets that are designated as hedged items are measured in accordance with the requirements for hedge accounting. </p>\n<div class=\"header header-2\">Financial assets at FVOCI </div>\n<p>Financial assets at FVOCI can be divided into debt instruments and equity instruments. </p>\n<p>A debt instrument can be measured at FVOCI if it meets both the following conditions and is not designated as at FVTPL: </p><ul><li>\n<p>It is held within a business model whose objective is achieved by both collecting contractual cash flows and selling financial assets; and </p></li><li>\n<p>Its contractual terms give rise on specified dates to cash flows that are solely payments of principal and interest on the principal amount outstanding. </p></li></ul>\n<p>Debt instruments at FVOCI are measured at fair value. Unrealised fair value gains and losses are recognised in other comprehensive income, and are subsequently reclassified to profit or loss when realised. Interest income is recognised in profit or loss using the effective interest rate. Debt instruments at FVOCI are subject to the impairment requirements. </p>\n<p>a.s.r. has only classified the bonds portfolio held by Knab and Aegon hypotheken at FVOCI. </p>\n<p>Equity instruments are measured at FVOCI if they are not held for trading and are not designated as at FVTPL. There is no subsequent recycling of fair value gains and losses to profit or loss following the derecognition of the investment if elected to measure the equity investments as FVOCI. </p>\n<p>a.s.r. classifies its equity instruments at FVOCI to reduce volatility in the income statement. </p>\n<div class=\"header header-2\">Financial assets at FVTPL </div>\n<p>All financial assets not classified as measured at amortised cost or FVOCI, as described above, are measured at FVTPL. </p>\n<p>Financial assets at FVTPL include: </p><ul><li>\n<p>Derivatives that do not qualify for hedge accounting; </p></li><li>\n<p>Financial assets that are managed and whose performance is evaluated on a fair value basis, such as: </p><ul><li>\n<p>Debt instruments for which a.s.r. has identified the business model Other; </p></li><li>\n<p>Investments related to direct participating contracts; </p></li><li>\n<p>Financial assets held for trading; </p></li></ul></li><li>\n<p>Associates for which a.s.r. elects to measure at FVTPL under IFRS 9. </p></li></ul>\n<div class=\"header header-3\">Hedge accounting (see also risk management section in chapter 7.8) </div>\n<p>To qualify for hedge accounting, the hedge relationship is designated and formally documented at inception, detailing the particular risk management objective and strategy for the hedge (which includes the item and risk that is being hedged), the derivative that is being used and how hedge effectiveness is being assessed. A derivative has to be effective in accomplishing the objective of offsetting either changes in fair value or cash flows for the risk being hedged. The effectiveness of the hedging relationship is evaluated on a prospective and retrospective basis using qualitative and quantitative measures of correlation. A hedging relationship is considered effective if the results of the hedging instrument are within a ratio of 80% to 125% of the results of the hedged item. a.s.r. has elected to continue to apply the hedge accounting requirements of IAS 39 for macro fair value hedges (EU \u2018carve out\u2019) on adoption of IFRS 9. </p>\n<p>As part of its asset liability management, a.s.r. enters into economic hedges to limit its risk exposure at Knab and Aegon hypotheken. These transactions are assessed to determine whether hedge accounting can and should be applied. a.s.r. currently applies hedge accounting for fair value hedges. </p>\n<div class=\"header header-4\">Fair value hedges </div>\n<p>a.s.r. applies fair value hedge accounting to portfolio hedges of interest rate risk (fair value macro hedging) under the EU \u2018carve out\u2019 of EU-IFRS. The EU \u2018carve out\u2019 macro hedging enables a group of derivatives (or proportions thereof) to be viewed in combination and jointly designated as the hedging instrument and removes some of the limitations in fair value hedge accounting. Under the EU \u2018carve out\u2019, ineffectiveness in fair value hedge accounting only arises when the revised projection of the amount of cash flows in scheduled time buckets falls below the designated amount of that bucket. a.s.r. applies fair value hedge accounting for portfolio hedges of interest rate risk (macro hedging) under the EU \u2018carve out\u2019 to mortgage loans. Changes in the fair value of the derivatives are recognised in the income statement, together with the fair value adjustment on the mortgage loans (hedged items) insofar as attributable to interest rate risk (the hedged risk). If the hedge relationship no longer meets the criteria for hedge accounting, the cumulative adjustment of the hedged item is, in the case of interest bearing instruments, amortised through the income statement over the remaining term of the original hedge or recognised directly when the hedged item is derecognised. </p>\n<p>Knab and Aegon hypotheken hold portfolios of long-term fixed rate mortgages and therefore are exposed to changes in fair value due to movements in market interest rates. Knab and Aegon hypotheken manage this risk exposure by entering into pay fixed/receive floating interest rate swaps. </p>\n<p>Only the interest rate risk element is hedged and therefore other risks, such as credit risk, are managed but not hedged by Knab and Aegon hypotheken. This hedging strategy is applied to the portion of exposure that is not naturally offset against matching positions held by Knab and Aegon hypotheken. Changes in fair value of the long-term fixed rate mortgages arising from changes in interest rate are usually the largest component of the overall change in fair value. This strategy is designated as a fair value hedge and its effectiveness is assessed by comparing changes in the fair value of the loans attributable to changes in the benchmark rate of interest with changes in the fair value of the interest rate swaps. </p>\n<p>Knab and Aegon hypotheken establish the hedging ratio by matching the notional of the derivatives with the principal of the portfolio being hedged. Possible sources of ineffectiveness are as follows: </p><ul><li>\n<p>Differences between the expected and actual volume of prepayments, as Knab and Aegon hypotheken hedge to the expected repayment date taking into account expected prepayments based on past experience; </p></li><li>\n<p>Difference in the discounting between the hedged item and the hedging instrument, as cash collateralised interest rate swaps are discounted using Overnight Indexed Swaps (OIS) discount curves, which are not applied to the fixed rate mortgages; </p></li><li>\n<p>Hedging derivatives with a non-zero fair value at the date of initial designation as a hedging instrument; and </p></li><li>\n<p>Counterparty credit risk which impacts the fair value of uncollateralised interest rate swaps but not the hedged items. </p></li></ul>\n<p>Knab and Aegon hypotheken manage the interest rate risk arising from fixed rate mortgages by entering into interest rate swaps on a monthly basis. The exposure from these portfolios frequently changes due to new loans originated, contractual repayments and early prepayments made by customers in each period. As a result, Knab and Aegon hypotheken adopt a dynamic hedging strategy (sometime referred to as a \u2018macro\u2019 or \u2018portfolio\u2019 hedge) to hedge the exposure profile by closing and entering into new swap agreements at each month-end. Knab and Aegon hypotheken use the portfolio fair value hedge of interest rate risk to recognise fair value changes related to changes in interest rate risk in the mortgage portfolio, and therefore reduce the profit or loss volatility that would\u00a0 otherwise arise from changes in fair value of the interest rate swaps alone. </p>\n<div class=\"header header-2\">Accrued interest </div>\n<p>In line with Solvency II reporting a.s.r. accounts for debt instruments at their \u201cdirty\u201d fair value, thus including any related accrued interest. </p>\n<div class=\"header header-2\">Business model assessment </div>\n<p>The business model is determined at a level that reflects how groups of financial assets are managed together to achieve a particular business objective. a.s.r.\u2019s business models refer to how a.s.r. manages its financial assets in order to generate cash flows. </p>\n<p>a.s.r. identifies the business model Hold to Collect for the mortgage loans and private loans held by Knab and Aegon hypotheken and for its other financial assets, and identifies the business model Held to Collect &amp; Sell for the bonds portfolio held by Knab. All other debt instruments are mandatorily designated as at FVTPL (business model Other). </p>\n<div class=\"header header-2\">Assessment whether contractual cash flows are solely payments of principal and interest (SPPI) </div>\n<p>For the purpose of this assessment, principal is defined as the fair value of the financial asset on initial recognition. However, the principal may change over time \u2013 e.g. if there are repayments of principal. </p>\n<p>Interest is defined as consideration for the time value of money, for the credit risk associated with the principal amount outstanding during a particular period of time and for other basic lending risks (e.g. liquidity risk) and costs (e.g. administrative costs), as well as a profit margin that is consistent with a basic lending arrangement. Financial assets with embedded derivatives are considered in their entirety when determining whether their cash flows are SPPI. </p>\n<p>a.s.r. assesses the SPPI for the loans and bonds portfolio held by Knab and Aegon hypotheken and for its other financial assets. All other debt instruments are mandatorily designated as at FVTPL (business model Other). </p>\n<div class=\"header header-2\">Subsequent measurement and gains and losses </div>\n<div class=\"header header-3\">Financial assets at amortised cost </div>\n<p>Financial assets at amortised cost are measured at amortised cost using the effective interest method. Interest income, foreign exchange gains and losses and impairment are recognised in profit or loss. Any gain or loss on derecognition is also recognised in profit or loss. </p>\n<div class=\"header header-3\">Financial assets at FVOCI </div>\n<p>Equity investments at FVOCI are measured at fair value. All fair value gains and losses are recorded in OCI, without recycling to profit or loss. Dividends from such investments continue to be recognised in profit or loss as Investment income when a.s.r.\u2019s right to receive payments is established. Impairment requirements are not applicable to equity investments measured as FVOCI. </p>\n<div class=\"header header-3\">Financial assets at FVTPL </div>\n<p>Financial assets at FVTPL are measured at fair value. Net gains and losses, including any interest or dividend income and foreign exchange gains and losses, are recognised in profit or loss. Impairment requirements are not applicable to financial assets measured at FVTPL. </p>\n<p>See accounting policy <a href=\"#n1286848\" title=\"V3. Investment income\">V3</a>. </p>\n<div class=\"header header-2\">Financial liabilities </div>\n<div class=\"header header-2\">Classification </div>\n<p>a.s.r. classifies its liabilities into one of the following categories: </p><ul><li>\n<p>financial liabilities at FVTPL (derivatives); or </p></li><li>\n<p>financial liabilities at amortised cost (all other financial liabilities). </p></li></ul>\n<div class=\"header header-2\">Subsequent measurement and gains and losses </div>\n<div class=\"header header-3\">Financial liabilities at FVTPL </div>\n<p>Financial liabilities at FVTPL are measured at fair value. Net gains and losses, including any interest expenses and foreign exchange gains and losses, are recognised in profit or loss. </p>\n<div class=\"header header-3\">Financial liabilities at amortised cost </div>\n<p>Financial liabilities at amortised cost are measured at amortised cost using the effective interest method. Interest expenses, foreign exchange gains and losses are recognised in profit or loss. Any gain or loss on derecognition is also recognised in profit or loss. </p>\n<div class=\"header header-2\">Accrued interest </div>\n<p>In line with Solvency II reporting a.s.r. accounts for financial liabilities at their \u201cdirty\u201d fair value, thus including any related accrued interest. </p>\n<div class=\"header header-2\">Interest on financial liabilities </div>\n<p>Interest expenses are calculated by applying the effective interest rate to the amortised cost of the liability. When calculating the effective interest rate, a.s.r. estimates future cash flows considering all contractual terms of the liability. </p>\n<div class=\"header header-2\">Derivatives including embedded derivatives </div>\n<p>Derivatives within the insurance entities are primarily used by a.s.r. for hedging interest rate and exchange rate risks, for hedging future transactions and the exposure to market risks. </p>\n<p>These derivatives are classified as held-for-trading. Derivatives are measured at fair value with changes in fair value recognised in profit or loss. Derivatives may be embedded in another contractual arrangement (a host contract). </p>\n<p>For contracts where the host contract is a financial asset in the scope of IFRS 9, the hybrid financial instrument as a whole is assessed for classification and the embedded derivative is not separated from the host contract. </p>\n<p>A derivative embedded in a host insurance or reinsurance contract is not accounted for separately from the host contract if the embedded derivate itself meets the definition of an insurance or reinsurance contract. </p>\n<p>For other contracts, a.s.r. accounts for an embedded derivative separately from the host contract when: </p><ul><li>\n<p>the hybrid contract is not measured at FVTPL; </p></li><li>\n<p>the terms of the embedded derivative would have met the definition of a derivative if they were contained in a separate contract; and </p></li><li>\n<p>the economic characteristics and risks of the embedded derivative are not closely related to those of the host contract. </p></li></ul>\n<div class=\"header header-2\">Impairments in the P&amp;L </div>\n<p>a.s.r. recognises loss allowances for ECL on debt instruments measured at amortised cost or FVOCI. a.s.r. uses the low credit risk simplification for investment grade debt instruments and recognises a lifetime ECL for other financial assets using the simplified approach. Lifetime ECL are the ECL that result from all possible default events over the expected life of a financial instrument. </p>\n<p>ECLs are a probability-weighted estimate of credit losses. Credit losses are measured as the present value of all cash shortfalls (i.e. the difference between the cash flows due to a.s.r. in accordance with the contract and the cash flows that a.s.r. expects to receive). The maximum period considered when estimating ECLs is the maximum contractual period over which a.s.r. is exposed to credit risk. </p>\n<div class=\"header header-3\">Write-off </div>\n<p>The gross carrying amount of a financial asset is written off (either partially or in full) to the extent that there is no realistic prospect of recovery. This is generally the case when a.s.r. determines that the borrower does not have assets or resources of income that could generate sufficient cash flows to repay the amounts subject to the write-off. However, financial assets that are written off could still be subject to enforcement activities in order to comply with a.s.r.\u2019s procedures for recovery of amounts due. Should amounts be recovered these are then recognised when the payment has been received. </p>\n<div class=\"header header-2\">Derecognition and contract modification </div>\n<div class=\"header header-2\">Financial assets </div>\n<p>a.s.r. derecognises a financial asset when the contractual rights to the cash flows from the financial asset expire, or it transfers the rights to receive the contractual cash flows in a transaction in which substantially all of the risks and rewards of ownership of the financial asset are transferred or in which a.s.r. neither transfers nor retains substantially all of the risks and rewards of ownership and it does not retain control of the financial asset. </p>\n<p>On derecognition of a financial asset, the difference between the carrying amount at the date of derecognition and the consideration received (including any new asset obtained less any new liability assumed) is recognised in the income statement, unless the financial asset is an equity instrument and is measured at fair value through other comprehensive income. For these instruments any revaluation amount is transferred within equity from unrealised gains and losses to retained earnings. </p>\n<p>a.s.r. enters into transactions whereby it transfers assets recognised in its balance sheet, but retains either all or substantially all of the risks and rewards of the transferred assets. In these cases, the transferred assets are not derecognised. Examples of such transactions are repurchase agreements, securities lending and reverse repurchase agreements. The asset recognised for cash collateral paid on reverse repurchase agreements is presented under investments. The liability recognised for cash collateral received on repurchase agreements is presented under the line item due to banks. </p>\n<p>In transactions in which a.s.r. neither retains nor transfers substantially all of the risks and rewards of ownership of a financial asset and it retains control over the asset, a.s.r. continues to recognise the asset to the extent of its continuing involvement, determined by the extent to which it is exposed to changes in the value of the transferred asset. </p>\n<p>If the terms of a financial asset are modified, then a.s.r. evaluates whether the cash flows of the modified asset are substantially different. If the cash flows are substantially different, then the contractual rights to cash flows from the original financial asset are deemed to have expired. In this case, the original financial asset is derecognised and a new financial asset is recognised at fair value. </p>\n<p>If a financial asset measured at amortised cost is modified but not substantially, then the financial asset is not derecognised. If the asset has not been derecognised, then a.s.r. recalculates the gross carrying amount of the financial asset by discounting the modified contractual cash flows at the original effective interest rate and recognises the resulting adjustment to the gross carrying amount as a modification gain or loss in profit or loss. If such a modification is carried out because of financial difficulties of the borrower, then the gain or loss is presented together with impairment losses; in other cases, it is presented as interest revenue. </p>\n<div class=\"header header-2\">Financial liabilities </div>\n<p>a.s.r. generally derecognises a financial liability when its contractual obligations expire or are discharged or cancelled. a.s.r. also derecognises a financial liability when its terms are modified and the cash flows of the modified liability are substantially different (i.e. the net present value of the of the cash flows under the new terms discounted at the original effective interest rate is at least 10% different from the discounted present value of the remaining cash flows of the original debt instrument), in which case a new financial liability based on the modified terms is recognised at fair value. </p>\n<p>On derecognition of a financial liability, the difference between the carrying amount extinguished and the consideration paid (including any non-cash assets transferred or liabilities assumed) is recognised in profit or loss. </p>\n<p>If a financial liability measured at amortised cost is not substantially modified, then it is not derecognised. For such financial liabilities, a.s.r. recalculates the amortised cost of the financial liability by discounting the modified contractual cash flows at the original effective interest rate and recognises any resulting adjustment to the amortised cost as a modification gain or loss in \u2018other finance expenses\u2019 in profit or loss. Any costs and fees incurred adjust the carrying amount of the liability and are amortised over the remaining term of the modified liability. </p>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForDerivativeFinancialInstrumentsAndHedgingExplanatory",
    "language": "en",
    "entity": "scheme:7245000G0HS48PZWUD53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "ixv-561": {
   "value": "\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n1286373\"><span class=\"title-text\">E. Financial assets and financial liabilities </span></h1>\n<p>a.s.r. has chosen to restate the comparative figures for financial assets and liabilities in line with IFRS 9 and the classification overlay approach in accordance with the amendment to IFRS 17 Insurance Contracts: Initial Application of IFRS 17 and IFRS 9 \u2013 Comparative Information. This option results in more useful comparative information. </p>\n<div class=\"header header-2\">Recognition and initial measurement </div>\n<p>a.s.r. recognises deposits and loans and borrowings on the date on which they originate. All other financial instruments are recognised at the transaction date, which is the date on which a.s.r. becomes party to the contractual stipulations of the instrument. </p>\n<p>Financial assets or financial liabilities are initially measured at fair value plus, for a financial asset or financial liability not measured at FVTPL, transaction costs that are directly attributable to its acquisition or issue. </p>\n<div class=\"header header-2\">Classification and subsequent measurement </div>\n<p>When a.s.r. becomes party to a financial asset contract, the related assets are classified into one of the following categories: </p><ul><li>\n<p>Amortised cost; </p></li><li>\n<p>Financial assets at fair value through other comprehensive income (FVOCI); or </p></li><li>\n<p>Financial assets at fair value through profit or loss (FVTPL). </p></li></ul>\n<p>The classification of the financial assets is determined at initial recognition. The classification and measurement of certain financial assets (debt instruments) is based on a.s.r.\u2019s business models in which a financial asset is managed, and its contractual cash flow characteristics. For detailed information on the fair value of the financial assets see accounting policy <a href=\"#n1286307\" title=\"B. Fair value of assets and liabilities\">B</a>. </p>\n<div class=\"header header-2\">Financial assets at amortised cost </div>\n<p>A financial asset (debt instrument) can be measured at amortised cost if it meets both of the following conditions and is not designated as FVTPL: </p><ul><li>\n<p>It is held within a business model whose objective is to hold assets to collect contractual cash flows; and </p></li><li>\n<p>Its contractual terms give rise on specified dates to cash flows that are solely payments of principal and interest on the principal amount outstanding. This is known as the SPPI test. </p></li></ul>\n<p>Debt instruments at amortised cost include mortgage loans and private loans held by Aegon Bank N.V. (Knab) and Aegon Hypotheken B.V. (Aegon hypotheken). </p>\n<p>Financial assets that are designated as hedged items are measured in accordance with the requirements for hedge accounting. </p>\n<div class=\"header header-2\">Financial assets at FVOCI </div>\n<p>Financial assets at FVOCI can be divided into debt instruments and equity instruments. </p>\n<p>A debt instrument can be measured at FVOCI if it meets both the following conditions and is not designated as at FVTPL: </p><ul><li>\n<p>It is held within a business model whose objective is achieved by both collecting contractual cash flows and selling financial assets; and </p></li><li>\n<p>Its contractual terms give rise on specified dates to cash flows that are solely payments of principal and interest on the principal amount outstanding. </p></li></ul>\n<p>Debt instruments at FVOCI are measured at fair value. Unrealised fair value gains and losses are recognised in other comprehensive income, and are subsequently reclassified to profit or loss when realised. Interest income is recognised in profit or loss using the effective interest rate. Debt instruments at FVOCI are subject to the impairment requirements. </p>\n<p>a.s.r. has only classified the bonds portfolio held by Knab and Aegon hypotheken at FVOCI. </p>\n<p>Equity instruments are measured at FVOCI if they are not held for trading and are not designated as at FVTPL. There is no subsequent recycling of fair value gains and losses to profit or loss following the derecognition of the investment if elected to measure the equity investments as FVOCI. </p>\n<p>a.s.r. classifies its equity instruments at FVOCI to reduce volatility in the income statement. </p>\n<div class=\"header header-2\">Financial assets at FVTPL </div>\n<p>All financial assets not classified as measured at amortised cost or FVOCI, as described above, are measured at FVTPL. </p>\n<p>Financial assets at FVTPL include: </p><ul><li>\n<p>Derivatives that do not qualify for hedge accounting; </p></li><li>\n<p>Financial assets that are managed and whose performance is evaluated on a fair value basis, such as: </p><ul><li>\n<p>Debt instruments for which a.s.r. has identified the business model Other; </p></li><li>\n<p>Investments related to direct participating contracts; </p></li><li>\n<p>Financial assets held for trading; </p></li></ul></li><li>\n<p>Associates for which a.s.r. elects to measure at FVTPL under IFRS 9. </p></li></ul>\n<div class=\"header header-3\">Hedge accounting (see also risk management section in chapter 7.8) </div>\n<p>To qualify for hedge accounting, the hedge relationship is designated and formally documented at inception, detailing the particular risk management objective and strategy for the hedge (which includes the item and risk that is being hedged), the derivative that is being used and how hedge effectiveness is being assessed. A derivative has to be effective in accomplishing the objective of offsetting either changes in fair value or cash flows for the risk being hedged. The effectiveness of the hedging relationship is evaluated on a prospective and retrospective basis using qualitative and quantitative measures of correlation. A hedging relationship is considered effective if the results of the hedging instrument are within a ratio of 80% to 125% of the results of the hedged item. a.s.r. has elected to continue to apply the hedge accounting requirements of IAS 39 for macro fair value hedges (EU \u2018carve out\u2019) on adoption of IFRS 9. </p>\n<p>As part of its asset liability management, a.s.r. enters into economic hedges to limit its risk exposure at Knab and Aegon hypotheken. These transactions are assessed to determine whether hedge accounting can and should be applied. a.s.r. currently applies hedge accounting for fair value hedges. </p>\n<div class=\"header header-4\">Fair value hedges </div>\n<p>a.s.r. applies fair value hedge accounting to portfolio hedges of interest rate risk (fair value macro hedging) under the EU \u2018carve out\u2019 of EU-IFRS. The EU \u2018carve out\u2019 macro hedging enables a group of derivatives (or proportions thereof) to be viewed in combination and jointly designated as the hedging instrument and removes some of the limitations in fair value hedge accounting. Under the EU \u2018carve out\u2019, ineffectiveness in fair value hedge accounting only arises when the revised projection of the amount of cash flows in scheduled time buckets falls below the designated amount of that bucket. a.s.r. applies fair value hedge accounting for portfolio hedges of interest rate risk (macro hedging) under the EU \u2018carve out\u2019 to mortgage loans. Changes in the fair value of the derivatives are recognised in the income statement, together with the fair value adjustment on the mortgage loans (hedged items) insofar as attributable to interest rate risk (the hedged risk). If the hedge relationship no longer meets the criteria for hedge accounting, the cumulative adjustment of the hedged item is, in the case of interest bearing instruments, amortised through the income statement over the remaining term of the original hedge or recognised directly when the hedged item is derecognised. </p>\n<p>Knab and Aegon hypotheken hold portfolios of long-term fixed rate mortgages and therefore are exposed to changes in fair value due to movements in market interest rates. Knab and Aegon hypotheken manage this risk exposure by entering into pay fixed/receive floating interest rate swaps. </p>\n<p>Only the interest rate risk element is hedged and therefore other risks, such as credit risk, are managed but not hedged by Knab and Aegon hypotheken. This hedging strategy is applied to the portion of exposure that is not naturally offset against matching positions held by Knab and Aegon hypotheken. Changes in fair value of the long-term fixed rate mortgages arising from changes in interest rate are usually the largest component of the overall change in fair value. This strategy is designated as a fair value hedge and its effectiveness is assessed by comparing changes in the fair value of the loans attributable to changes in the benchmark rate of interest with changes in the fair value of the interest rate swaps. </p>\n<p>Knab and Aegon hypotheken establish the hedging ratio by matching the notional of the derivatives with the principal of the portfolio being hedged. Possible sources of ineffectiveness are as follows: </p><ul><li>\n<p>Differences between the expected and actual volume of prepayments, as Knab and Aegon hypotheken hedge to the expected repayment date taking into account expected prepayments based on past experience; </p></li><li>\n<p>Difference in the discounting between the hedged item and the hedging instrument, as cash collateralised interest rate swaps are discounted using Overnight Indexed Swaps (OIS) discount curves, which are not applied to the fixed rate mortgages; </p></li><li>\n<p>Hedging derivatives with a non-zero fair value at the date of initial designation as a hedging instrument; and </p></li><li>\n<p>Counterparty credit risk which impacts the fair value of uncollateralised interest rate swaps but not the hedged items. </p></li></ul>\n<p>Knab and Aegon hypotheken manage the interest rate risk arising from fixed rate mortgages by entering into interest rate swaps on a monthly basis. The exposure from these portfolios frequently changes due to new loans originated, contractual repayments and early prepayments made by customers in each period. As a result, Knab and Aegon hypotheken adopt a dynamic hedging strategy (sometime referred to as a \u2018macro\u2019 or \u2018portfolio\u2019 hedge) to hedge the exposure profile by closing and entering into new swap agreements at each month-end. Knab and Aegon hypotheken use the portfolio fair value hedge of interest rate risk to recognise fair value changes related to changes in interest rate risk in the mortgage portfolio, and therefore reduce the profit or loss volatility that would\u00a0 otherwise arise from changes in fair value of the interest rate swaps alone. </p>\n<div class=\"header header-2\">Accrued interest </div>\n<p>In line with Solvency II reporting a.s.r. accounts for debt instruments at their \u201cdirty\u201d fair value, thus including any related accrued interest. </p>\n<div class=\"header header-2\">Business model assessment </div>\n<p>The business model is determined at a level that reflects how groups of financial assets are managed together to achieve a particular business objective. a.s.r.\u2019s business models refer to how a.s.r. manages its financial assets in order to generate cash flows. </p>\n<p>a.s.r. identifies the business model Hold to Collect for the mortgage loans and private loans held by Knab and Aegon hypotheken and for its other financial assets, and identifies the business model Held to Collect &amp; Sell for the bonds portfolio held by Knab. All other debt instruments are mandatorily designated as at FVTPL (business model Other). </p>\n<div class=\"header header-2\">Assessment whether contractual cash flows are solely payments of principal and interest (SPPI) </div>\n<p>For the purpose of this assessment, principal is defined as the fair value of the financial asset on initial recognition. However, the principal may change over time \u2013 e.g. if there are repayments of principal. </p>\n<p>Interest is defined as consideration for the time value of money, for the credit risk associated with the principal amount outstanding during a particular period of time and for other basic lending risks (e.g. liquidity risk) and costs (e.g. administrative costs), as well as a profit margin that is consistent with a basic lending arrangement. Financial assets with embedded derivatives are considered in their entirety when determining whether their cash flows are SPPI. </p>\n<p>a.s.r. assesses the SPPI for the loans and bonds portfolio held by Knab and Aegon hypotheken and for its other financial assets. All other debt instruments are mandatorily designated as at FVTPL (business model Other). </p>\n<div class=\"header header-2\">Subsequent measurement and gains and losses </div>\n<div class=\"header header-3\">Financial assets at amortised cost </div>\n<p>Financial assets at amortised cost are measured at amortised cost using the effective interest method. Interest income, foreign exchange gains and losses and impairment are recognised in profit or loss. Any gain or loss on derecognition is also recognised in profit or loss. </p>\n<div class=\"header header-3\">Financial assets at FVOCI </div>\n<p>Equity investments at FVOCI are measured at fair value. All fair value gains and losses are recorded in OCI, without recycling to profit or loss. Dividends from such investments continue to be recognised in profit or loss as Investment income when a.s.r.\u2019s right to receive payments is established. Impairment requirements are not applicable to equity investments measured as FVOCI. </p>\n<div class=\"header header-3\">Financial assets at FVTPL </div>\n<p>Financial assets at FVTPL are measured at fair value. Net gains and losses, including any interest or dividend income and foreign exchange gains and losses, are recognised in profit or loss. Impairment requirements are not applicable to financial assets measured at FVTPL. </p>\n<p>See accounting policy <a href=\"#n1286848\" title=\"V3. Investment income\">V3</a>. </p>\n<div class=\"header header-2\">Financial liabilities </div>\n<div class=\"header header-2\">Classification </div>\n<p>a.s.r. classifies its liabilities into one of the following categories: </p><ul><li>\n<p>financial liabilities at FVTPL (derivatives); or </p></li><li>\n<p>financial liabilities at amortised cost (all other financial liabilities). </p></li></ul>\n<div class=\"header header-2\">Subsequent measurement and gains and losses </div>\n<div class=\"header header-3\">Financial liabilities at FVTPL </div>\n<p>Financial liabilities at FVTPL are measured at fair value. Net gains and losses, including any interest expenses and foreign exchange gains and losses, are recognised in profit or loss. </p>\n<div class=\"header header-3\">Financial liabilities at amortised cost </div>\n<p>Financial liabilities at amortised cost are measured at amortised cost using the effective interest method. Interest expenses, foreign exchange gains and losses are recognised in profit or loss. Any gain or loss on derecognition is also recognised in profit or loss. </p>\n<div class=\"header header-2\">Accrued interest </div>\n<p>In line with Solvency II reporting a.s.r. accounts for financial liabilities at their \u201cdirty\u201d fair value, thus including any related accrued interest. </p>\n<div class=\"header header-2\">Interest on financial liabilities </div>\n<p>Interest expenses are calculated by applying the effective interest rate to the amortised cost of the liability. When calculating the effective interest rate, a.s.r. estimates future cash flows considering all contractual terms of the liability. </p>\n<div class=\"header header-2\">Derivatives including embedded derivatives </div>\n<p>Derivatives within the insurance entities are primarily used by a.s.r. for hedging interest rate and exchange rate risks, for hedging future transactions and the exposure to market risks. </p>\n<p>These derivatives are classified as held-for-trading. Derivatives are measured at fair value with changes in fair value recognised in profit or loss. Derivatives may be embedded in another contractual arrangement (a host contract). </p>\n<p>For contracts where the host contract is a financial asset in the scope of IFRS 9, the hybrid financial instrument as a whole is assessed for classification and the embedded derivative is not separated from the host contract. </p>\n<p>A derivative embedded in a host insurance or reinsurance contract is not accounted for separately from the host contract if the embedded derivate itself meets the definition of an insurance or reinsurance contract. </p>\n<p>For other contracts, a.s.r. accounts for an embedded derivative separately from the host contract when: </p><ul><li>\n<p>the hybrid contract is not measured at FVTPL; </p></li><li>\n<p>the terms of the embedded derivative would have met the definition of a derivative if they were contained in a separate contract; and </p></li><li>\n<p>the economic characteristics and risks of the embedded derivative are not closely related to those of the host contract. </p></li></ul>\n<div class=\"header header-2\">Impairments in the P&amp;L </div>\n<p>a.s.r. recognises loss allowances for ECL on debt instruments measured at amortised cost or FVOCI. a.s.r. uses the low credit risk simplification for investment grade debt instruments and recognises a lifetime ECL for other financial assets using the simplified approach. Lifetime ECL are the ECL that result from all possible default events over the expected life of a financial instrument. </p>\n<p>ECLs are a probability-weighted estimate of credit losses. Credit losses are measured as the present value of all cash shortfalls (i.e. the difference between the cash flows due to a.s.r. in accordance with the contract and the cash flows that a.s.r. expects to receive). The maximum period considered when estimating ECLs is the maximum contractual period over which a.s.r. is exposed to credit risk. </p>\n<div class=\"header header-3\">Write-off </div>\n<p>The gross carrying amount of a financial asset is written off (either partially or in full) to the extent that there is no realistic prospect of recovery. This is generally the case when a.s.r. determines that the borrower does not have assets or resources of income that could generate sufficient cash flows to repay the amounts subject to the write-off. However, financial assets that are written off could still be subject to enforcement activities in order to comply with a.s.r.\u2019s procedures for recovery of amounts due. Should amounts be recovered these are then recognised when the payment has been received. </p>\n<div class=\"header header-2\">Derecognition and contract modification </div>\n<div class=\"header header-2\">Financial assets </div>\n<p>a.s.r. derecognises a financial asset when the contractual rights to the cash flows from the financial asset expire, or it transfers the rights to receive the contractual cash flows in a transaction in which substantially all of the risks and rewards of ownership of the financial asset are transferred or in which a.s.r. neither transfers nor retains substantially all of the risks and rewards of ownership and it does not retain control of the financial asset. </p>\n<p>On derecognition of a financial asset, the difference between the carrying amount at the date of derecognition and the consideration received (including any new asset obtained less any new liability assumed) is recognised in the income statement, unless the financial asset is an equity instrument and is measured at fair value through other comprehensive income. For these instruments any revaluation amount is transferred within equity from unrealised gains and losses to retained earnings. </p>\n<p>a.s.r. enters into transactions whereby it transfers assets recognised in its balance sheet, but retains either all or substantially all of the risks and rewards of the transferred assets. In these cases, the transferred assets are not derecognised. Examples of such transactions are repurchase agreements, securities lending and reverse repurchase agreements. The asset recognised for cash collateral paid on reverse repurchase agreements is presented under investments. The liability recognised for cash collateral received on repurchase agreements is presented under the line item due to banks. </p>\n<p>In transactions in which a.s.r. neither retains nor transfers substantially all of the risks and rewards of ownership of a financial asset and it retains control over the asset, a.s.r. continues to recognise the asset to the extent of its continuing involvement, determined by the extent to which it is exposed to changes in the value of the transferred asset. </p>\n<p>If the terms of a financial asset are modified, then a.s.r. evaluates whether the cash flows of the modified asset are substantially different. If the cash flows are substantially different, then the contractual rights to cash flows from the original financial asset are deemed to have expired. In this case, the original financial asset is derecognised and a new financial asset is recognised at fair value. </p>\n<p>If a financial asset measured at amortised cost is modified but not substantially, then the financial asset is not derecognised. If the asset has not been derecognised, then a.s.r. recalculates the gross carrying amount of the financial asset by discounting the modified contractual cash flows at the original effective interest rate and recognises the resulting adjustment to the gross carrying amount as a modification gain or loss in profit or loss. If such a modification is carried out because of financial difficulties of the borrower, then the gain or loss is presented together with impairment losses; in other cases, it is presented as interest revenue. </p>\n<div class=\"header header-2\">Financial liabilities </div>\n<p>a.s.r. generally derecognises a financial liability when its contractual obligations expire or are discharged or cancelled. a.s.r. also derecognises a financial liability when its terms are modified and the cash flows of the modified liability are substantially different (i.e. the net present value of the of the cash flows under the new terms discounted at the original effective interest rate is at least 10% different from the discounted present value of the remaining cash flows of the original debt instrument), in which case a new financial liability based on the modified terms is recognised at fair value. </p>\n<p>On derecognition of a financial liability, the difference between the carrying amount extinguished and the consideration paid (including any non-cash assets transferred or liabilities assumed) is recognised in profit or loss. </p>\n<p>If a financial liability measured at amortised cost is not substantially modified, then it is not derecognised. For such financial liabilities, a.s.r. recalculates the amortised cost of the financial liability by discounting the modified contractual cash flows at the original effective interest rate and recognises any resulting adjustment to the amortised cost as a modification gain or loss in \u2018other finance expenses\u2019 in profit or loss. Any costs and fees incurred adjust the carrying amount of the liability and are amortised over the remaining term of the modified liability. </p>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n1286711\"><span class=\"title-text\">R. Cash and cash equivalents </span></h1>\n<p>Cash and cash equivalents include cash in hand, deposits held at call with banks, cash collateral and other short-term highly liquid investments that are not subject to a significant risk of changes in value. Cash and cash equivalents are measured at fair value through profit or loss. </p>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForFinancialAssetsExplanatory",
    "language": "en",
    "entity": "scheme:7245000G0HS48PZWUD53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "ixv-562": {
   "value": "\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n1286373\"><span class=\"title-text\">E. Financial assets and financial liabilities </span></h1>\n<p>a.s.r. has chosen to restate the comparative figures for financial assets and liabilities in line with IFRS 9 and the classification overlay approach in accordance with the amendment to IFRS 17 Insurance Contracts: Initial Application of IFRS 17 and IFRS 9 \u2013 Comparative Information. This option results in more useful comparative information. </p>\n<div class=\"header header-2\">Recognition and initial measurement </div>\n<p>a.s.r. recognises deposits and loans and borrowings on the date on which they originate. All other financial instruments are recognised at the transaction date, which is the date on which a.s.r. becomes party to the contractual stipulations of the instrument. </p>\n<p>Financial assets or financial liabilities are initially measured at fair value plus, for a financial asset or financial liability not measured at FVTPL, transaction costs that are directly attributable to its acquisition or issue. </p>\n<div class=\"header header-2\">Classification and subsequent measurement </div>\n<p>When a.s.r. becomes party to a financial asset contract, the related assets are classified into one of the following categories: </p><ul><li>\n<p>Amortised cost; </p></li><li>\n<p>Financial assets at fair value through other comprehensive income (FVOCI); or </p></li><li>\n<p>Financial assets at fair value through profit or loss (FVTPL). </p></li></ul>\n<p>The classification of the financial assets is determined at initial recognition. The classification and measurement of certain financial assets (debt instruments) is based on a.s.r.\u2019s business models in which a financial asset is managed, and its contractual cash flow characteristics. For detailed information on the fair value of the financial assets see accounting policy <a href=\"#n1286307\" title=\"B. Fair value of assets and liabilities\">B</a>. </p>\n<div class=\"header header-2\">Financial assets at amortised cost </div>\n<p>A financial asset (debt instrument) can be measured at amortised cost if it meets both of the following conditions and is not designated as FVTPL: </p><ul><li>\n<p>It is held within a business model whose objective is to hold assets to collect contractual cash flows; and </p></li><li>\n<p>Its contractual terms give rise on specified dates to cash flows that are solely payments of principal and interest on the principal amount outstanding. This is known as the SPPI test. </p></li></ul>\n<p>Debt instruments at amortised cost include mortgage loans and private loans held by Aegon Bank N.V. (Knab) and Aegon Hypotheken B.V. (Aegon hypotheken). </p>\n<p>Financial assets that are designated as hedged items are measured in accordance with the requirements for hedge accounting. </p>\n<div class=\"header header-2\">Financial assets at FVOCI </div>\n<p>Financial assets at FVOCI can be divided into debt instruments and equity instruments. </p>\n<p>A debt instrument can be measured at FVOCI if it meets both the following conditions and is not designated as at FVTPL: </p><ul><li>\n<p>It is held within a business model whose objective is achieved by both collecting contractual cash flows and selling financial assets; and </p></li><li>\n<p>Its contractual terms give rise on specified dates to cash flows that are solely payments of principal and interest on the principal amount outstanding. </p></li></ul>\n<p>Debt instruments at FVOCI are measured at fair value. Unrealised fair value gains and losses are recognised in other comprehensive income, and are subsequently reclassified to profit or loss when realised. Interest income is recognised in profit or loss using the effective interest rate. Debt instruments at FVOCI are subject to the impairment requirements. </p>\n<p>a.s.r. has only classified the bonds portfolio held by Knab and Aegon hypotheken at FVOCI. </p>\n<p>Equity instruments are measured at FVOCI if they are not held for trading and are not designated as at FVTPL. There is no subsequent recycling of fair value gains and losses to profit or loss following the derecognition of the investment if elected to measure the equity investments as FVOCI. </p>\n<p>a.s.r. classifies its equity instruments at FVOCI to reduce volatility in the income statement. </p>\n<div class=\"header header-2\">Financial assets at FVTPL </div>\n<p>All financial assets not classified as measured at amortised cost or FVOCI, as described above, are measured at FVTPL. </p>\n<p>Financial assets at FVTPL include: </p><ul><li>\n<p>Derivatives that do not qualify for hedge accounting; </p></li><li>\n<p>Financial assets that are managed and whose performance is evaluated on a fair value basis, such as: </p><ul><li>\n<p>Debt instruments for which a.s.r. has identified the business model Other; </p></li><li>\n<p>Investments related to direct participating contracts; </p></li><li>\n<p>Financial assets held for trading; </p></li></ul></li><li>\n<p>Associates for which a.s.r. elects to measure at FVTPL under IFRS 9. </p></li></ul>\n<div class=\"header header-3\">Hedge accounting (see also risk management section in chapter 7.8) </div>\n<p>To qualify for hedge accounting, the hedge relationship is designated and formally documented at inception, detailing the particular risk management objective and strategy for the hedge (which includes the item and risk that is being hedged), the derivative that is being used and how hedge effectiveness is being assessed. A derivative has to be effective in accomplishing the objective of offsetting either changes in fair value or cash flows for the risk being hedged. The effectiveness of the hedging relationship is evaluated on a prospective and retrospective basis using qualitative and quantitative measures of correlation. A hedging relationship is considered effective if the results of the hedging instrument are within a ratio of 80% to 125% of the results of the hedged item. a.s.r. has elected to continue to apply the hedge accounting requirements of IAS 39 for macro fair value hedges (EU \u2018carve out\u2019) on adoption of IFRS 9. </p>\n<p>As part of its asset liability management, a.s.r. enters into economic hedges to limit its risk exposure at Knab and Aegon hypotheken. These transactions are assessed to determine whether hedge accounting can and should be applied. a.s.r. currently applies hedge accounting for fair value hedges. </p>\n<div class=\"header header-4\">Fair value hedges </div>\n<p>a.s.r. applies fair value hedge accounting to portfolio hedges of interest rate risk (fair value macro hedging) under the EU \u2018carve out\u2019 of EU-IFRS. The EU \u2018carve out\u2019 macro hedging enables a group of derivatives (or proportions thereof) to be viewed in combination and jointly designated as the hedging instrument and removes some of the limitations in fair value hedge accounting. Under the EU \u2018carve out\u2019, ineffectiveness in fair value hedge accounting only arises when the revised projection of the amount of cash flows in scheduled time buckets falls below the designated amount of that bucket. a.s.r. applies fair value hedge accounting for portfolio hedges of interest rate risk (macro hedging) under the EU \u2018carve out\u2019 to mortgage loans. Changes in the fair value of the derivatives are recognised in the income statement, together with the fair value adjustment on the mortgage loans (hedged items) insofar as attributable to interest rate risk (the hedged risk). If the hedge relationship no longer meets the criteria for hedge accounting, the cumulative adjustment of the hedged item is, in the case of interest bearing instruments, amortised through the income statement over the remaining term of the original hedge or recognised directly when the hedged item is derecognised. </p>\n<p>Knab and Aegon hypotheken hold portfolios of long-term fixed rate mortgages and therefore are exposed to changes in fair value due to movements in market interest rates. Knab and Aegon hypotheken manage this risk exposure by entering into pay fixed/receive floating interest rate swaps. </p>\n<p>Only the interest rate risk element is hedged and therefore other risks, such as credit risk, are managed but not hedged by Knab and Aegon hypotheken. This hedging strategy is applied to the portion of exposure that is not naturally offset against matching positions held by Knab and Aegon hypotheken. Changes in fair value of the long-term fixed rate mortgages arising from changes in interest rate are usually the largest component of the overall change in fair value. This strategy is designated as a fair value hedge and its effectiveness is assessed by comparing changes in the fair value of the loans attributable to changes in the benchmark rate of interest with changes in the fair value of the interest rate swaps. </p>\n<p>Knab and Aegon hypotheken establish the hedging ratio by matching the notional of the derivatives with the principal of the portfolio being hedged. Possible sources of ineffectiveness are as follows: </p><ul><li>\n<p>Differences between the expected and actual volume of prepayments, as Knab and Aegon hypotheken hedge to the expected repayment date taking into account expected prepayments based on past experience; </p></li><li>\n<p>Difference in the discounting between the hedged item and the hedging instrument, as cash collateralised interest rate swaps are discounted using Overnight Indexed Swaps (OIS) discount curves, which are not applied to the fixed rate mortgages; </p></li><li>\n<p>Hedging derivatives with a non-zero fair value at the date of initial designation as a hedging instrument; and </p></li><li>\n<p>Counterparty credit risk which impacts the fair value of uncollateralised interest rate swaps but not the hedged items. </p></li></ul>\n<p>Knab and Aegon hypotheken manage the interest rate risk arising from fixed rate mortgages by entering into interest rate swaps on a monthly basis. The exposure from these portfolios frequently changes due to new loans originated, contractual repayments and early prepayments made by customers in each period. As a result, Knab and Aegon hypotheken adopt a dynamic hedging strategy (sometime referred to as a \u2018macro\u2019 or \u2018portfolio\u2019 hedge) to hedge the exposure profile by closing and entering into new swap agreements at each month-end. Knab and Aegon hypotheken use the portfolio fair value hedge of interest rate risk to recognise fair value changes related to changes in interest rate risk in the mortgage portfolio, and therefore reduce the profit or loss volatility that would\u00a0 otherwise arise from changes in fair value of the interest rate swaps alone. </p>\n<div class=\"header header-2\">Accrued interest </div>\n<p>In line with Solvency II reporting a.s.r. accounts for debt instruments at their \u201cdirty\u201d fair value, thus including any related accrued interest. </p>\n<div class=\"header header-2\">Business model assessment </div>\n<p>The business model is determined at a level that reflects how groups of financial assets are managed together to achieve a particular business objective. a.s.r.\u2019s business models refer to how a.s.r. manages its financial assets in order to generate cash flows. </p>\n<p>a.s.r. identifies the business model Hold to Collect for the mortgage loans and private loans held by Knab and Aegon hypotheken and for its other financial assets, and identifies the business model Held to Collect &amp; Sell for the bonds portfolio held by Knab. All other debt instruments are mandatorily designated as at FVTPL (business model Other). </p>\n<div class=\"header header-2\">Assessment whether contractual cash flows are solely payments of principal and interest (SPPI) </div>\n<p>For the purpose of this assessment, principal is defined as the fair value of the financial asset on initial recognition. However, the principal may change over time \u2013 e.g. if there are repayments of principal. </p>\n<p>Interest is defined as consideration for the time value of money, for the credit risk associated with the principal amount outstanding during a particular period of time and for other basic lending risks (e.g. liquidity risk) and costs (e.g. administrative costs), as well as a profit margin that is consistent with a basic lending arrangement. Financial assets with embedded derivatives are considered in their entirety when determining whether their cash flows are SPPI. </p>\n<p>a.s.r. assesses the SPPI for the loans and bonds portfolio held by Knab and Aegon hypotheken and for its other financial assets. All other debt instruments are mandatorily designated as at FVTPL (business model Other). </p>\n<div class=\"header header-2\">Subsequent measurement and gains and losses </div>\n<div class=\"header header-3\">Financial assets at amortised cost </div>\n<p>Financial assets at amortised cost are measured at amortised cost using the effective interest method. Interest income, foreign exchange gains and losses and impairment are recognised in profit or loss. Any gain or loss on derecognition is also recognised in profit or loss. </p>\n<div class=\"header header-3\">Financial assets at FVOCI </div>\n<p>Equity investments at FVOCI are measured at fair value. All fair value gains and losses are recorded in OCI, without recycling to profit or loss. Dividends from such investments continue to be recognised in profit or loss as Investment income when a.s.r.\u2019s right to receive payments is established. Impairment requirements are not applicable to equity investments measured as FVOCI. </p>\n<div class=\"header header-3\">Financial assets at FVTPL </div>\n<p>Financial assets at FVTPL are measured at fair value. Net gains and losses, including any interest or dividend income and foreign exchange gains and losses, are recognised in profit or loss. Impairment requirements are not applicable to financial assets measured at FVTPL. </p>\n<p>See accounting policy <a href=\"#n1286848\" title=\"V3. Investment income\">V3</a>. </p>\n<div class=\"header header-2\">Financial liabilities </div>\n<div class=\"header header-2\">Classification </div>\n<p>a.s.r. classifies its liabilities into one of the following categories: </p><ul><li>\n<p>financial liabilities at FVTPL (derivatives); or </p></li><li>\n<p>financial liabilities at amortised cost (all other financial liabilities). </p></li></ul>\n<div class=\"header header-2\">Subsequent measurement and gains and losses </div>\n<div class=\"header header-3\">Financial liabilities at FVTPL </div>\n<p>Financial liabilities at FVTPL are measured at fair value. Net gains and losses, including any interest expenses and foreign exchange gains and losses, are recognised in profit or loss. </p>\n<div class=\"header header-3\">Financial liabilities at amortised cost </div>\n<p>Financial liabilities at amortised cost are measured at amortised cost using the effective interest method. Interest expenses, foreign exchange gains and losses are recognised in profit or loss. Any gain or loss on derecognition is also recognised in profit or loss. </p>\n<div class=\"header header-2\">Accrued interest </div>\n<p>In line with Solvency II reporting a.s.r. accounts for financial liabilities at their \u201cdirty\u201d fair value, thus including any related accrued interest. </p>\n<div class=\"header header-2\">Interest on financial liabilities </div>\n<p>Interest expenses are calculated by applying the effective interest rate to the amortised cost of the liability. When calculating the effective interest rate, a.s.r. estimates future cash flows considering all contractual terms of the liability. </p>\n<div class=\"header header-2\">Derivatives including embedded derivatives </div>\n<p>Derivatives within the insurance entities are primarily used by a.s.r. for hedging interest rate and exchange rate risks, for hedging future transactions and the exposure to market risks. </p>\n<p>These derivatives are classified as held-for-trading. Derivatives are measured at fair value with changes in fair value recognised in profit or loss. Derivatives may be embedded in another contractual arrangement (a host contract). </p>\n<p>For contracts where the host contract is a financial asset in the scope of IFRS 9, the hybrid financial instrument as a whole is assessed for classification and the embedded derivative is not separated from the host contract. </p>\n<p>A derivative embedded in a host insurance or reinsurance contract is not accounted for separately from the host contract if the embedded derivate itself meets the definition of an insurance or reinsurance contract. </p>\n<p>For other contracts, a.s.r. accounts for an embedded derivative separately from the host contract when: </p><ul><li>\n<p>the hybrid contract is not measured at FVTPL; </p></li><li>\n<p>the terms of the embedded derivative would have met the definition of a derivative if they were contained in a separate contract; and </p></li><li>\n<p>the economic characteristics and risks of the embedded derivative are not closely related to those of the host contract. </p></li></ul>\n<div class=\"header header-2\">Impairments in the P&amp;L </div>\n<p>a.s.r. recognises loss allowances for ECL on debt instruments measured at amortised cost or FVOCI. a.s.r. uses the low credit risk simplification for investment grade debt instruments and recognises a lifetime ECL for other financial assets using the simplified approach. Lifetime ECL are the ECL that result from all possible default events over the expected life of a financial instrument. </p>\n<p>ECLs are a probability-weighted estimate of credit losses. Credit losses are measured as the present value of all cash shortfalls (i.e. the difference between the cash flows due to a.s.r. in accordance with the contract and the cash flows that a.s.r. expects to receive). The maximum period considered when estimating ECLs is the maximum contractual period over which a.s.r. is exposed to credit risk. </p>\n<div class=\"header header-3\">Write-off </div>\n<p>The gross carrying amount of a financial asset is written off (either partially or in full) to the extent that there is no realistic prospect of recovery. This is generally the case when a.s.r. determines that the borrower does not have assets or resources of income that could generate sufficient cash flows to repay the amounts subject to the write-off. However, financial assets that are written off could still be subject to enforcement activities in order to comply with a.s.r.\u2019s procedures for recovery of amounts due. Should amounts be recovered these are then recognised when the payment has been received. </p>\n<div class=\"header header-2\">Derecognition and contract modification </div>\n<div class=\"header header-2\">Financial assets </div>\n<p>a.s.r. derecognises a financial asset when the contractual rights to the cash flows from the financial asset expire, or it transfers the rights to receive the contractual cash flows in a transaction in which substantially all of the risks and rewards of ownership of the financial asset are transferred or in which a.s.r. neither transfers nor retains substantially all of the risks and rewards of ownership and it does not retain control of the financial asset. </p>\n<p>On derecognition of a financial asset, the difference between the carrying amount at the date of derecognition and the consideration received (including any new asset obtained less any new liability assumed) is recognised in the income statement, unless the financial asset is an equity instrument and is measured at fair value through other comprehensive income. For these instruments any revaluation amount is transferred within equity from unrealised gains and losses to retained earnings. </p>\n<p>a.s.r. enters into transactions whereby it transfers assets recognised in its balance sheet, but retains either all or substantially all of the risks and rewards of the transferred assets. In these cases, the transferred assets are not derecognised. Examples of such transactions are repurchase agreements, securities lending and reverse repurchase agreements. The asset recognised for cash collateral paid on reverse repurchase agreements is presented under investments. The liability recognised for cash collateral received on repurchase agreements is presented under the line item due to banks. </p>\n<p>In transactions in which a.s.r. neither retains nor transfers substantially all of the risks and rewards of ownership of a financial asset and it retains control over the asset, a.s.r. continues to recognise the asset to the extent of its continuing involvement, determined by the extent to which it is exposed to changes in the value of the transferred asset. </p>\n<p>If the terms of a financial asset are modified, then a.s.r. evaluates whether the cash flows of the modified asset are substantially different. If the cash flows are substantially different, then the contractual rights to cash flows from the original financial asset are deemed to have expired. In this case, the original financial asset is derecognised and a new financial asset is recognised at fair value. </p>\n<p>If a financial asset measured at amortised cost is modified but not substantially, then the financial asset is not derecognised. If the asset has not been derecognised, then a.s.r. recalculates the gross carrying amount of the financial asset by discounting the modified contractual cash flows at the original effective interest rate and recognises the resulting adjustment to the gross carrying amount as a modification gain or loss in profit or loss. If such a modification is carried out because of financial difficulties of the borrower, then the gain or loss is presented together with impairment losses; in other cases, it is presented as interest revenue. </p>\n<div class=\"header header-2\">Financial liabilities </div>\n<p>a.s.r. generally derecognises a financial liability when its contractual obligations expire or are discharged or cancelled. a.s.r. also derecognises a financial liability when its terms are modified and the cash flows of the modified liability are substantially different (i.e. the net present value of the of the cash flows under the new terms discounted at the original effective interest rate is at least 10% different from the discounted present value of the remaining cash flows of the original debt instrument), in which case a new financial liability based on the modified terms is recognised at fair value. </p>\n<p>On derecognition of a financial liability, the difference between the carrying amount extinguished and the consideration paid (including any non-cash assets transferred or liabilities assumed) is recognised in profit or loss. </p>\n<p>If a financial liability measured at amortised cost is not substantially modified, then it is not derecognised. For such financial liabilities, a.s.r. recalculates the amortised cost of the financial liability by discounting the modified contractual cash flows at the original effective interest rate and recognises any resulting adjustment to the amortised cost as a modification gain or loss in \u2018other finance expenses\u2019 in profit or loss. Any costs and fees incurred adjust the carrying amount of the liability and are amortised over the remaining term of the modified liability. </p>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n1286711\"><span class=\"title-text\">R. Cash and cash equivalents </span></h1>\n<p>Cash and cash equivalents include cash in hand, deposits held at call with banks, cash collateral and other short-term highly liquid investments that are not subject to a significant risk of changes in value. Cash and cash equivalents are measured at fair value through profit or loss. </p>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n1286760\"><span class=\"title-text\">T. Financing </span></h1>\n<p>Financing includes savings deposits, borrowings, due to customers, due to banks, subordinated liabilities and other financial liabilities. On initial recognition, debt instruments and other loans are stated at fair value, net of transaction costs incurred. Subsequent valuation is at amortised cost. Any difference between the proceeds and the redemption value is recognised in the income statement over the period of the borrowings using the effective interest method. Lease liabilities are included under borrowings and measured in accordance with accounting policy U. </p>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForFinancialInstrumentsExplanatory",
    "language": "en",
    "entity": "scheme:7245000G0HS48PZWUD53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "ixv-563": {
   "value": "\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n1286373\"><span class=\"title-text\">E. Financial assets and financial liabilities </span></h1>\n<p>a.s.r. has chosen to restate the comparative figures for financial assets and liabilities in line with IFRS 9 and the classification overlay approach in accordance with the amendment to IFRS 17 Insurance Contracts: Initial Application of IFRS 17 and IFRS 9 \u2013 Comparative Information. This option results in more useful comparative information. </p>\n<div class=\"header header-2\">Recognition and initial measurement </div>\n<p>a.s.r. recognises deposits and loans and borrowings on the date on which they originate. All other financial instruments are recognised at the transaction date, which is the date on which a.s.r. becomes party to the contractual stipulations of the instrument. </p>\n<p>Financial assets or financial liabilities are initially measured at fair value plus, for a financial asset or financial liability not measured at FVTPL, transaction costs that are directly attributable to its acquisition or issue. </p>\n<div class=\"header header-2\">Classification and subsequent measurement </div>\n<p>When a.s.r. becomes party to a financial asset contract, the related assets are classified into one of the following categories: </p><ul><li>\n<p>Amortised cost; </p></li><li>\n<p>Financial assets at fair value through other comprehensive income (FVOCI); or </p></li><li>\n<p>Financial assets at fair value through profit or loss (FVTPL). </p></li></ul>\n<p>The classification of the financial assets is determined at initial recognition. The classification and measurement of certain financial assets (debt instruments) is based on a.s.r.\u2019s business models in which a financial asset is managed, and its contractual cash flow characteristics. For detailed information on the fair value of the financial assets see accounting policy <a href=\"#n1286307\" title=\"B. Fair value of assets and liabilities\">B</a>. </p>\n<div class=\"header header-2\">Financial assets at amortised cost </div>\n<p>A financial asset (debt instrument) can be measured at amortised cost if it meets both of the following conditions and is not designated as FVTPL: </p><ul><li>\n<p>It is held within a business model whose objective is to hold assets to collect contractual cash flows; and </p></li><li>\n<p>Its contractual terms give rise on specified dates to cash flows that are solely payments of principal and interest on the principal amount outstanding. This is known as the SPPI test. </p></li></ul>\n<p>Debt instruments at amortised cost include mortgage loans and private loans held by Aegon Bank N.V. (Knab) and Aegon Hypotheken B.V. (Aegon hypotheken). </p>\n<p>Financial assets that are designated as hedged items are measured in accordance with the requirements for hedge accounting. </p>\n<div class=\"header header-2\">Financial assets at FVOCI </div>\n<p>Financial assets at FVOCI can be divided into debt instruments and equity instruments. </p>\n<p>A debt instrument can be measured at FVOCI if it meets both the following conditions and is not designated as at FVTPL: </p><ul><li>\n<p>It is held within a business model whose objective is achieved by both collecting contractual cash flows and selling financial assets; and </p></li><li>\n<p>Its contractual terms give rise on specified dates to cash flows that are solely payments of principal and interest on the principal amount outstanding. </p></li></ul>\n<p>Debt instruments at FVOCI are measured at fair value. Unrealised fair value gains and losses are recognised in other comprehensive income, and are subsequently reclassified to profit or loss when realised. Interest income is recognised in profit or loss using the effective interest rate. Debt instruments at FVOCI are subject to the impairment requirements. </p>\n<p>a.s.r. has only classified the bonds portfolio held by Knab and Aegon hypotheken at FVOCI. </p>\n<p>Equity instruments are measured at FVOCI if they are not held for trading and are not designated as at FVTPL. There is no subsequent recycling of fair value gains and losses to profit or loss following the derecognition of the investment if elected to measure the equity investments as FVOCI. </p>\n<p>a.s.r. classifies its equity instruments at FVOCI to reduce volatility in the income statement. </p>\n<div class=\"header header-2\">Financial assets at FVTPL </div>\n<p>All financial assets not classified as measured at amortised cost or FVOCI, as described above, are measured at FVTPL. </p>\n<p>Financial assets at FVTPL include: </p><ul><li>\n<p>Derivatives that do not qualify for hedge accounting; </p></li><li>\n<p>Financial assets that are managed and whose performance is evaluated on a fair value basis, such as: </p><ul><li>\n<p>Debt instruments for which a.s.r. has identified the business model Other; </p></li><li>\n<p>Investments related to direct participating contracts; </p></li><li>\n<p>Financial assets held for trading; </p></li></ul></li><li>\n<p>Associates for which a.s.r. elects to measure at FVTPL under IFRS 9. </p></li></ul>\n<div class=\"header header-3\">Hedge accounting (see also risk management section in chapter 7.8) </div>\n<p>To qualify for hedge accounting, the hedge relationship is designated and formally documented at inception, detailing the particular risk management objective and strategy for the hedge (which includes the item and risk that is being hedged), the derivative that is being used and how hedge effectiveness is being assessed. A derivative has to be effective in accomplishing the objective of offsetting either changes in fair value or cash flows for the risk being hedged. The effectiveness of the hedging relationship is evaluated on a prospective and retrospective basis using qualitative and quantitative measures of correlation. A hedging relationship is considered effective if the results of the hedging instrument are within a ratio of 80% to 125% of the results of the hedged item. a.s.r. has elected to continue to apply the hedge accounting requirements of IAS 39 for macro fair value hedges (EU \u2018carve out\u2019) on adoption of IFRS 9. </p>\n<p>As part of its asset liability management, a.s.r. enters into economic hedges to limit its risk exposure at Knab and Aegon hypotheken. These transactions are assessed to determine whether hedge accounting can and should be applied. a.s.r. currently applies hedge accounting for fair value hedges. </p>\n<div class=\"header header-4\">Fair value hedges </div>\n<p>a.s.r. applies fair value hedge accounting to portfolio hedges of interest rate risk (fair value macro hedging) under the EU \u2018carve out\u2019 of EU-IFRS. The EU \u2018carve out\u2019 macro hedging enables a group of derivatives (or proportions thereof) to be viewed in combination and jointly designated as the hedging instrument and removes some of the limitations in fair value hedge accounting. Under the EU \u2018carve out\u2019, ineffectiveness in fair value hedge accounting only arises when the revised projection of the amount of cash flows in scheduled time buckets falls below the designated amount of that bucket. a.s.r. applies fair value hedge accounting for portfolio hedges of interest rate risk (macro hedging) under the EU \u2018carve out\u2019 to mortgage loans. Changes in the fair value of the derivatives are recognised in the income statement, together with the fair value adjustment on the mortgage loans (hedged items) insofar as attributable to interest rate risk (the hedged risk). If the hedge relationship no longer meets the criteria for hedge accounting, the cumulative adjustment of the hedged item is, in the case of interest bearing instruments, amortised through the income statement over the remaining term of the original hedge or recognised directly when the hedged item is derecognised. </p>\n<p>Knab and Aegon hypotheken hold portfolios of long-term fixed rate mortgages and therefore are exposed to changes in fair value due to movements in market interest rates. Knab and Aegon hypotheken manage this risk exposure by entering into pay fixed/receive floating interest rate swaps. </p>\n<p>Only the interest rate risk element is hedged and therefore other risks, such as credit risk, are managed but not hedged by Knab and Aegon hypotheken. This hedging strategy is applied to the portion of exposure that is not naturally offset against matching positions held by Knab and Aegon hypotheken. Changes in fair value of the long-term fixed rate mortgages arising from changes in interest rate are usually the largest component of the overall change in fair value. This strategy is designated as a fair value hedge and its effectiveness is assessed by comparing changes in the fair value of the loans attributable to changes in the benchmark rate of interest with changes in the fair value of the interest rate swaps. </p>\n<p>Knab and Aegon hypotheken establish the hedging ratio by matching the notional of the derivatives with the principal of the portfolio being hedged. Possible sources of ineffectiveness are as follows: </p><ul><li>\n<p>Differences between the expected and actual volume of prepayments, as Knab and Aegon hypotheken hedge to the expected repayment date taking into account expected prepayments based on past experience; </p></li><li>\n<p>Difference in the discounting between the hedged item and the hedging instrument, as cash collateralised interest rate swaps are discounted using Overnight Indexed Swaps (OIS) discount curves, which are not applied to the fixed rate mortgages; </p></li><li>\n<p>Hedging derivatives with a non-zero fair value at the date of initial designation as a hedging instrument; and </p></li><li>\n<p>Counterparty credit risk which impacts the fair value of uncollateralised interest rate swaps but not the hedged items. </p></li></ul>\n<p>Knab and Aegon hypotheken manage the interest rate risk arising from fixed rate mortgages by entering into interest rate swaps on a monthly basis. The exposure from these portfolios frequently changes due to new loans originated, contractual repayments and early prepayments made by customers in each period. As a result, Knab and Aegon hypotheken adopt a dynamic hedging strategy (sometime referred to as a \u2018macro\u2019 or \u2018portfolio\u2019 hedge) to hedge the exposure profile by closing and entering into new swap agreements at each month-end. Knab and Aegon hypotheken use the portfolio fair value hedge of interest rate risk to recognise fair value changes related to changes in interest rate risk in the mortgage portfolio, and therefore reduce the profit or loss volatility that would\u00a0 otherwise arise from changes in fair value of the interest rate swaps alone. </p>\n<div class=\"header header-2\">Accrued interest </div>\n<p>In line with Solvency II reporting a.s.r. accounts for debt instruments at their \u201cdirty\u201d fair value, thus including any related accrued interest. </p>\n<div class=\"header header-2\">Business model assessment </div>\n<p>The business model is determined at a level that reflects how groups of financial assets are managed together to achieve a particular business objective. a.s.r.\u2019s business models refer to how a.s.r. manages its financial assets in order to generate cash flows. </p>\n<p>a.s.r. identifies the business model Hold to Collect for the mortgage loans and private loans held by Knab and Aegon hypotheken and for its other financial assets, and identifies the business model Held to Collect &amp; Sell for the bonds portfolio held by Knab. All other debt instruments are mandatorily designated as at FVTPL (business model Other). </p>\n<div class=\"header header-2\">Assessment whether contractual cash flows are solely payments of principal and interest (SPPI) </div>\n<p>For the purpose of this assessment, principal is defined as the fair value of the financial asset on initial recognition. However, the principal may change over time \u2013 e.g. if there are repayments of principal. </p>\n<p>Interest is defined as consideration for the time value of money, for the credit risk associated with the principal amount outstanding during a particular period of time and for other basic lending risks (e.g. liquidity risk) and costs (e.g. administrative costs), as well as a profit margin that is consistent with a basic lending arrangement. Financial assets with embedded derivatives are considered in their entirety when determining whether their cash flows are SPPI. </p>\n<p>a.s.r. assesses the SPPI for the loans and bonds portfolio held by Knab and Aegon hypotheken and for its other financial assets. All other debt instruments are mandatorily designated as at FVTPL (business model Other). </p>\n<div class=\"header header-2\">Subsequent measurement and gains and losses </div>\n<div class=\"header header-3\">Financial assets at amortised cost </div>\n<p>Financial assets at amortised cost are measured at amortised cost using the effective interest method. Interest income, foreign exchange gains and losses and impairment are recognised in profit or loss. Any gain or loss on derecognition is also recognised in profit or loss. </p>\n<div class=\"header header-3\">Financial assets at FVOCI </div>\n<p>Equity investments at FVOCI are measured at fair value. All fair value gains and losses are recorded in OCI, without recycling to profit or loss. Dividends from such investments continue to be recognised in profit or loss as Investment income when a.s.r.\u2019s right to receive payments is established. Impairment requirements are not applicable to equity investments measured as FVOCI. </p>\n<div class=\"header header-3\">Financial assets at FVTPL </div>\n<p>Financial assets at FVTPL are measured at fair value. Net gains and losses, including any interest or dividend income and foreign exchange gains and losses, are recognised in profit or loss. Impairment requirements are not applicable to financial assets measured at FVTPL. </p>\n<p>See accounting policy <a href=\"#n1286848\" title=\"V3. Investment income\">V3</a>. </p>\n<div class=\"header header-2\">Financial liabilities </div>\n<div class=\"header header-2\">Classification </div>\n<p>a.s.r. classifies its liabilities into one of the following categories: </p><ul><li>\n<p>financial liabilities at FVTPL (derivatives); or </p></li><li>\n<p>financial liabilities at amortised cost (all other financial liabilities). </p></li></ul>\n<div class=\"header header-2\">Subsequent measurement and gains and losses </div>\n<div class=\"header header-3\">Financial liabilities at FVTPL </div>\n<p>Financial liabilities at FVTPL are measured at fair value. Net gains and losses, including any interest expenses and foreign exchange gains and losses, are recognised in profit or loss. </p>\n<div class=\"header header-3\">Financial liabilities at amortised cost </div>\n<p>Financial liabilities at amortised cost are measured at amortised cost using the effective interest method. Interest expenses, foreign exchange gains and losses are recognised in profit or loss. Any gain or loss on derecognition is also recognised in profit or loss. </p>\n<div class=\"header header-2\">Accrued interest </div>\n<p>In line with Solvency II reporting a.s.r. accounts for financial liabilities at their \u201cdirty\u201d fair value, thus including any related accrued interest. </p>\n<div class=\"header header-2\">Interest on financial liabilities </div>\n<p>Interest expenses are calculated by applying the effective interest rate to the amortised cost of the liability. When calculating the effective interest rate, a.s.r. estimates future cash flows considering all contractual terms of the liability. </p>\n<div class=\"header header-2\">Derivatives including embedded derivatives </div>\n<p>Derivatives within the insurance entities are primarily used by a.s.r. for hedging interest rate and exchange rate risks, for hedging future transactions and the exposure to market risks. </p>\n<p>These derivatives are classified as held-for-trading. Derivatives are measured at fair value with changes in fair value recognised in profit or loss. Derivatives may be embedded in another contractual arrangement (a host contract). </p>\n<p>For contracts where the host contract is a financial asset in the scope of IFRS 9, the hybrid financial instrument as a whole is assessed for classification and the embedded derivative is not separated from the host contract. </p>\n<p>A derivative embedded in a host insurance or reinsurance contract is not accounted for separately from the host contract if the embedded derivate itself meets the definition of an insurance or reinsurance contract. </p>\n<p>For other contracts, a.s.r. accounts for an embedded derivative separately from the host contract when: </p><ul><li>\n<p>the hybrid contract is not measured at FVTPL; </p></li><li>\n<p>the terms of the embedded derivative would have met the definition of a derivative if they were contained in a separate contract; and </p></li><li>\n<p>the economic characteristics and risks of the embedded derivative are not closely related to those of the host contract. </p></li></ul>\n<div class=\"header header-2\">Impairments in the P&amp;L </div>\n<p>a.s.r. recognises loss allowances for ECL on debt instruments measured at amortised cost or FVOCI. a.s.r. uses the low credit risk simplification for investment grade debt instruments and recognises a lifetime ECL for other financial assets using the simplified approach. Lifetime ECL are the ECL that result from all possible default events over the expected life of a financial instrument. </p>\n<p>ECLs are a probability-weighted estimate of credit losses. Credit losses are measured as the present value of all cash shortfalls (i.e. the difference between the cash flows due to a.s.r. in accordance with the contract and the cash flows that a.s.r. expects to receive). The maximum period considered when estimating ECLs is the maximum contractual period over which a.s.r. is exposed to credit risk. </p>\n<div class=\"header header-3\">Write-off </div>\n<p>The gross carrying amount of a financial asset is written off (either partially or in full) to the extent that there is no realistic prospect of recovery. This is generally the case when a.s.r. determines that the borrower does not have assets or resources of income that could generate sufficient cash flows to repay the amounts subject to the write-off. However, financial assets that are written off could still be subject to enforcement activities in order to comply with a.s.r.\u2019s procedures for recovery of amounts due. Should amounts be recovered these are then recognised when the payment has been received. </p>\n<div class=\"header header-2\">Derecognition and contract modification </div>\n<div class=\"header header-2\">Financial assets </div>\n<p>a.s.r. derecognises a financial asset when the contractual rights to the cash flows from the financial asset expire, or it transfers the rights to receive the contractual cash flows in a transaction in which substantially all of the risks and rewards of ownership of the financial asset are transferred or in which a.s.r. neither transfers nor retains substantially all of the risks and rewards of ownership and it does not retain control of the financial asset. </p>\n<p>On derecognition of a financial asset, the difference between the carrying amount at the date of derecognition and the consideration received (including any new asset obtained less any new liability assumed) is recognised in the income statement, unless the financial asset is an equity instrument and is measured at fair value through other comprehensive income. For these instruments any revaluation amount is transferred within equity from unrealised gains and losses to retained earnings. </p>\n<p>a.s.r. enters into transactions whereby it transfers assets recognised in its balance sheet, but retains either all or substantially all of the risks and rewards of the transferred assets. In these cases, the transferred assets are not derecognised. Examples of such transactions are repurchase agreements, securities lending and reverse repurchase agreements. The asset recognised for cash collateral paid on reverse repurchase agreements is presented under investments. The liability recognised for cash collateral received on repurchase agreements is presented under the line item due to banks. </p>\n<p>In transactions in which a.s.r. neither retains nor transfers substantially all of the risks and rewards of ownership of a financial asset and it retains control over the asset, a.s.r. continues to recognise the asset to the extent of its continuing involvement, determined by the extent to which it is exposed to changes in the value of the transferred asset. </p>\n<p>If the terms of a financial asset are modified, then a.s.r. evaluates whether the cash flows of the modified asset are substantially different. If the cash flows are substantially different, then the contractual rights to cash flows from the original financial asset are deemed to have expired. In this case, the original financial asset is derecognised and a new financial asset is recognised at fair value. </p>\n<p>If a financial asset measured at amortised cost is modified but not substantially, then the financial asset is not derecognised. If the asset has not been derecognised, then a.s.r. recalculates the gross carrying amount of the financial asset by discounting the modified contractual cash flows at the original effective interest rate and recognises the resulting adjustment to the gross carrying amount as a modification gain or loss in profit or loss. If such a modification is carried out because of financial difficulties of the borrower, then the gain or loss is presented together with impairment losses; in other cases, it is presented as interest revenue. </p>\n<div class=\"header header-2\">Financial liabilities </div>\n<p>a.s.r. generally derecognises a financial liability when its contractual obligations expire or are discharged or cancelled. a.s.r. also derecognises a financial liability when its terms are modified and the cash flows of the modified liability are substantially different (i.e. the net present value of the of the cash flows under the new terms discounted at the original effective interest rate is at least 10% different from the discounted present value of the remaining cash flows of the original debt instrument), in which case a new financial liability based on the modified terms is recognised at fair value. </p>\n<p>On derecognition of a financial liability, the difference between the carrying amount extinguished and the consideration paid (including any non-cash assets transferred or liabilities assumed) is recognised in profit or loss. </p>\n<p>If a financial liability measured at amortised cost is not substantially modified, then it is not derecognised. For such financial liabilities, a.s.r. recalculates the amortised cost of the financial liability by discounting the modified contractual cash flows at the original effective interest rate and recognises any resulting adjustment to the amortised cost as a modification gain or loss in \u2018other finance expenses\u2019 in profit or loss. Any costs and fees incurred adjust the carrying amount of the liability and are amortised over the remaining term of the modified liability. </p>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n1286711\"><span class=\"title-text\">R. Cash and cash equivalents </span></h1>\n<p>Cash and cash equivalents include cash in hand, deposits held at call with banks, cash collateral and other short-term highly liquid investments that are not subject to a significant risk of changes in value. Cash and cash equivalents are measured at fair value through profit or loss. </p>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForFinancialInstrumentsAtFairValueThroughProfitOrLossExplanatory",
    "language": "en",
    "entity": "scheme:7245000G0HS48PZWUD53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "ixv-564": {
   "value": "\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n1286373\"><span class=\"title-text\">E. Financial assets and financial liabilities </span></h1>\n<p>a.s.r. has chosen to restate the comparative figures for financial assets and liabilities in line with IFRS 9 and the classification overlay approach in accordance with the amendment to IFRS 17 Insurance Contracts: Initial Application of IFRS 17 and IFRS 9 \u2013 Comparative Information. This option results in more useful comparative information. </p>\n<div class=\"header header-2\">Recognition and initial measurement </div>\n<p>a.s.r. recognises deposits and loans and borrowings on the date on which they originate. All other financial instruments are recognised at the transaction date, which is the date on which a.s.r. becomes party to the contractual stipulations of the instrument. </p>\n<p>Financial assets or financial liabilities are initially measured at fair value plus, for a financial asset or financial liability not measured at FVTPL, transaction costs that are directly attributable to its acquisition or issue. </p>\n<div class=\"header header-2\">Classification and subsequent measurement </div>\n<p>When a.s.r. becomes party to a financial asset contract, the related assets are classified into one of the following categories: </p><ul><li>\n<p>Amortised cost; </p></li><li>\n<p>Financial assets at fair value through other comprehensive income (FVOCI); or </p></li><li>\n<p>Financial assets at fair value through profit or loss (FVTPL). </p></li></ul>\n<p>The classification of the financial assets is determined at initial recognition. The classification and measurement of certain financial assets (debt instruments) is based on a.s.r.\u2019s business models in which a financial asset is managed, and its contractual cash flow characteristics. For detailed information on the fair value of the financial assets see accounting policy <a href=\"#n1286307\" title=\"B. Fair value of assets and liabilities\">B</a>. </p>\n<div class=\"header header-2\">Financial assets at amortised cost </div>\n<p>A financial asset (debt instrument) can be measured at amortised cost if it meets both of the following conditions and is not designated as FVTPL: </p><ul><li>\n<p>It is held within a business model whose objective is to hold assets to collect contractual cash flows; and </p></li><li>\n<p>Its contractual terms give rise on specified dates to cash flows that are solely payments of principal and interest on the principal amount outstanding. This is known as the SPPI test. </p></li></ul>\n<p>Debt instruments at amortised cost include mortgage loans and private loans held by Aegon Bank N.V. (Knab) and Aegon Hypotheken B.V. (Aegon hypotheken). </p>\n<p>Financial assets that are designated as hedged items are measured in accordance with the requirements for hedge accounting. </p>\n<div class=\"header header-2\">Financial assets at FVOCI </div>\n<p>Financial assets at FVOCI can be divided into debt instruments and equity instruments. </p>\n<p>A debt instrument can be measured at FVOCI if it meets both the following conditions and is not designated as at FVTPL: </p><ul><li>\n<p>It is held within a business model whose objective is achieved by both collecting contractual cash flows and selling financial assets; and </p></li><li>\n<p>Its contractual terms give rise on specified dates to cash flows that are solely payments of principal and interest on the principal amount outstanding. </p></li></ul>\n<p>Debt instruments at FVOCI are measured at fair value. Unrealised fair value gains and losses are recognised in other comprehensive income, and are subsequently reclassified to profit or loss when realised. Interest income is recognised in profit or loss using the effective interest rate. Debt instruments at FVOCI are subject to the impairment requirements. </p>\n<p>a.s.r. has only classified the bonds portfolio held by Knab and Aegon hypotheken at FVOCI. </p>\n<p>Equity instruments are measured at FVOCI if they are not held for trading and are not designated as at FVTPL. There is no subsequent recycling of fair value gains and losses to profit or loss following the derecognition of the investment if elected to measure the equity investments as FVOCI. </p>\n<p>a.s.r. classifies its equity instruments at FVOCI to reduce volatility in the income statement. </p>\n<div class=\"header header-2\">Financial assets at FVTPL </div>\n<p>All financial assets not classified as measured at amortised cost or FVOCI, as described above, are measured at FVTPL. </p>\n<p>Financial assets at FVTPL include: </p><ul><li>\n<p>Derivatives that do not qualify for hedge accounting; </p></li><li>\n<p>Financial assets that are managed and whose performance is evaluated on a fair value basis, such as: </p><ul><li>\n<p>Debt instruments for which a.s.r. has identified the business model Other; </p></li><li>\n<p>Investments related to direct participating contracts; </p></li><li>\n<p>Financial assets held for trading; </p></li></ul></li><li>\n<p>Associates for which a.s.r. elects to measure at FVTPL under IFRS 9. </p></li></ul>\n<div class=\"header header-3\">Hedge accounting (see also risk management section in chapter 7.8) </div>\n<p>To qualify for hedge accounting, the hedge relationship is designated and formally documented at inception, detailing the particular risk management objective and strategy for the hedge (which includes the item and risk that is being hedged), the derivative that is being used and how hedge effectiveness is being assessed. A derivative has to be effective in accomplishing the objective of offsetting either changes in fair value or cash flows for the risk being hedged. The effectiveness of the hedging relationship is evaluated on a prospective and retrospective basis using qualitative and quantitative measures of correlation. A hedging relationship is considered effective if the results of the hedging instrument are within a ratio of 80% to 125% of the results of the hedged item. a.s.r. has elected to continue to apply the hedge accounting requirements of IAS 39 for macro fair value hedges (EU \u2018carve out\u2019) on adoption of IFRS 9. </p>\n<p>As part of its asset liability management, a.s.r. enters into economic hedges to limit its risk exposure at Knab and Aegon hypotheken. These transactions are assessed to determine whether hedge accounting can and should be applied. a.s.r. currently applies hedge accounting for fair value hedges. </p>\n<div class=\"header header-4\">Fair value hedges </div>\n<p>a.s.r. applies fair value hedge accounting to portfolio hedges of interest rate risk (fair value macro hedging) under the EU \u2018carve out\u2019 of EU-IFRS. The EU \u2018carve out\u2019 macro hedging enables a group of derivatives (or proportions thereof) to be viewed in combination and jointly designated as the hedging instrument and removes some of the limitations in fair value hedge accounting. Under the EU \u2018carve out\u2019, ineffectiveness in fair value hedge accounting only arises when the revised projection of the amount of cash flows in scheduled time buckets falls below the designated amount of that bucket. a.s.r. applies fair value hedge accounting for portfolio hedges of interest rate risk (macro hedging) under the EU \u2018carve out\u2019 to mortgage loans. Changes in the fair value of the derivatives are recognised in the income statement, together with the fair value adjustment on the mortgage loans (hedged items) insofar as attributable to interest rate risk (the hedged risk). If the hedge relationship no longer meets the criteria for hedge accounting, the cumulative adjustment of the hedged item is, in the case of interest bearing instruments, amortised through the income statement over the remaining term of the original hedge or recognised directly when the hedged item is derecognised. </p>\n<p>Knab and Aegon hypotheken hold portfolios of long-term fixed rate mortgages and therefore are exposed to changes in fair value due to movements in market interest rates. Knab and Aegon hypotheken manage this risk exposure by entering into pay fixed/receive floating interest rate swaps. </p>\n<p>Only the interest rate risk element is hedged and therefore other risks, such as credit risk, are managed but not hedged by Knab and Aegon hypotheken. This hedging strategy is applied to the portion of exposure that is not naturally offset against matching positions held by Knab and Aegon hypotheken. Changes in fair value of the long-term fixed rate mortgages arising from changes in interest rate are usually the largest component of the overall change in fair value. This strategy is designated as a fair value hedge and its effectiveness is assessed by comparing changes in the fair value of the loans attributable to changes in the benchmark rate of interest with changes in the fair value of the interest rate swaps. </p>\n<p>Knab and Aegon hypotheken establish the hedging ratio by matching the notional of the derivatives with the principal of the portfolio being hedged. Possible sources of ineffectiveness are as follows: </p><ul><li>\n<p>Differences between the expected and actual volume of prepayments, as Knab and Aegon hypotheken hedge to the expected repayment date taking into account expected prepayments based on past experience; </p></li><li>\n<p>Difference in the discounting between the hedged item and the hedging instrument, as cash collateralised interest rate swaps are discounted using Overnight Indexed Swaps (OIS) discount curves, which are not applied to the fixed rate mortgages; </p></li><li>\n<p>Hedging derivatives with a non-zero fair value at the date of initial designation as a hedging instrument; and </p></li><li>\n<p>Counterparty credit risk which impacts the fair value of uncollateralised interest rate swaps but not the hedged items. </p></li></ul>\n<p>Knab and Aegon hypotheken manage the interest rate risk arising from fixed rate mortgages by entering into interest rate swaps on a monthly basis. The exposure from these portfolios frequently changes due to new loans originated, contractual repayments and early prepayments made by customers in each period. As a result, Knab and Aegon hypotheken adopt a dynamic hedging strategy (sometime referred to as a \u2018macro\u2019 or \u2018portfolio\u2019 hedge) to hedge the exposure profile by closing and entering into new swap agreements at each month-end. Knab and Aegon hypotheken use the portfolio fair value hedge of interest rate risk to recognise fair value changes related to changes in interest rate risk in the mortgage portfolio, and therefore reduce the profit or loss volatility that would\u00a0 otherwise arise from changes in fair value of the interest rate swaps alone. </p>\n<div class=\"header header-2\">Accrued interest </div>\n<p>In line with Solvency II reporting a.s.r. accounts for debt instruments at their \u201cdirty\u201d fair value, thus including any related accrued interest. </p>\n<div class=\"header header-2\">Business model assessment </div>\n<p>The business model is determined at a level that reflects how groups of financial assets are managed together to achieve a particular business objective. a.s.r.\u2019s business models refer to how a.s.r. manages its financial assets in order to generate cash flows. </p>\n<p>a.s.r. identifies the business model Hold to Collect for the mortgage loans and private loans held by Knab and Aegon hypotheken and for its other financial assets, and identifies the business model Held to Collect &amp; Sell for the bonds portfolio held by Knab. All other debt instruments are mandatorily designated as at FVTPL (business model Other). </p>\n<div class=\"header header-2\">Assessment whether contractual cash flows are solely payments of principal and interest (SPPI) </div>\n<p>For the purpose of this assessment, principal is defined as the fair value of the financial asset on initial recognition. However, the principal may change over time \u2013 e.g. if there are repayments of principal. </p>\n<p>Interest is defined as consideration for the time value of money, for the credit risk associated with the principal amount outstanding during a particular period of time and for other basic lending risks (e.g. liquidity risk) and costs (e.g. administrative costs), as well as a profit margin that is consistent with a basic lending arrangement. Financial assets with embedded derivatives are considered in their entirety when determining whether their cash flows are SPPI. </p>\n<p>a.s.r. assesses the SPPI for the loans and bonds portfolio held by Knab and Aegon hypotheken and for its other financial assets. All other debt instruments are mandatorily designated as at FVTPL (business model Other). </p>\n<div class=\"header header-2\">Subsequent measurement and gains and losses </div>\n<div class=\"header header-3\">Financial assets at amortised cost </div>\n<p>Financial assets at amortised cost are measured at amortised cost using the effective interest method. Interest income, foreign exchange gains and losses and impairment are recognised in profit or loss. Any gain or loss on derecognition is also recognised in profit or loss. </p>\n<div class=\"header header-3\">Financial assets at FVOCI </div>\n<p>Equity investments at FVOCI are measured at fair value. All fair value gains and losses are recorded in OCI, without recycling to profit or loss. Dividends from such investments continue to be recognised in profit or loss as Investment income when a.s.r.\u2019s right to receive payments is established. Impairment requirements are not applicable to equity investments measured as FVOCI. </p>\n<div class=\"header header-3\">Financial assets at FVTPL </div>\n<p>Financial assets at FVTPL are measured at fair value. Net gains and losses, including any interest or dividend income and foreign exchange gains and losses, are recognised in profit or loss. Impairment requirements are not applicable to financial assets measured at FVTPL. </p>\n<p>See accounting policy <a href=\"#n1286848\" title=\"V3. Investment income\">V3</a>. </p>\n<div class=\"header header-2\">Financial liabilities </div>\n<div class=\"header header-2\">Classification </div>\n<p>a.s.r. classifies its liabilities into one of the following categories: </p><ul><li>\n<p>financial liabilities at FVTPL (derivatives); or </p></li><li>\n<p>financial liabilities at amortised cost (all other financial liabilities). </p></li></ul>\n<div class=\"header header-2\">Subsequent measurement and gains and losses </div>\n<div class=\"header header-3\">Financial liabilities at FVTPL </div>\n<p>Financial liabilities at FVTPL are measured at fair value. Net gains and losses, including any interest expenses and foreign exchange gains and losses, are recognised in profit or loss. </p>\n<div class=\"header header-3\">Financial liabilities at amortised cost </div>\n<p>Financial liabilities at amortised cost are measured at amortised cost using the effective interest method. Interest expenses, foreign exchange gains and losses are recognised in profit or loss. Any gain or loss on derecognition is also recognised in profit or loss. </p>\n<div class=\"header header-2\">Accrued interest </div>\n<p>In line with Solvency II reporting a.s.r. accounts for financial liabilities at their \u201cdirty\u201d fair value, thus including any related accrued interest. </p>\n<div class=\"header header-2\">Interest on financial liabilities </div>\n<p>Interest expenses are calculated by applying the effective interest rate to the amortised cost of the liability. When calculating the effective interest rate, a.s.r. estimates future cash flows considering all contractual terms of the liability. </p>\n<div class=\"header header-2\">Derivatives including embedded derivatives </div>\n<p>Derivatives within the insurance entities are primarily used by a.s.r. for hedging interest rate and exchange rate risks, for hedging future transactions and the exposure to market risks. </p>\n<p>These derivatives are classified as held-for-trading. Derivatives are measured at fair value with changes in fair value recognised in profit or loss. Derivatives may be embedded in another contractual arrangement (a host contract). </p>\n<p>For contracts where the host contract is a financial asset in the scope of IFRS 9, the hybrid financial instrument as a whole is assessed for classification and the embedded derivative is not separated from the host contract. </p>\n<p>A derivative embedded in a host insurance or reinsurance contract is not accounted for separately from the host contract if the embedded derivate itself meets the definition of an insurance or reinsurance contract. </p>\n<p>For other contracts, a.s.r. accounts for an embedded derivative separately from the host contract when: </p><ul><li>\n<p>the hybrid contract is not measured at FVTPL; </p></li><li>\n<p>the terms of the embedded derivative would have met the definition of a derivative if they were contained in a separate contract; and </p></li><li>\n<p>the economic characteristics and risks of the embedded derivative are not closely related to those of the host contract. </p></li></ul>\n<div class=\"header header-2\">Impairments in the P&amp;L </div>\n<p>a.s.r. recognises loss allowances for ECL on debt instruments measured at amortised cost or FVOCI. a.s.r. uses the low credit risk simplification for investment grade debt instruments and recognises a lifetime ECL for other financial assets using the simplified approach. Lifetime ECL are the ECL that result from all possible default events over the expected life of a financial instrument. </p>\n<p>ECLs are a probability-weighted estimate of credit losses. Credit losses are measured as the present value of all cash shortfalls (i.e. the difference between the cash flows due to a.s.r. in accordance with the contract and the cash flows that a.s.r. expects to receive). The maximum period considered when estimating ECLs is the maximum contractual period over which a.s.r. is exposed to credit risk. </p>\n<div class=\"header header-3\">Write-off </div>\n<p>The gross carrying amount of a financial asset is written off (either partially or in full) to the extent that there is no realistic prospect of recovery. This is generally the case when a.s.r. determines that the borrower does not have assets or resources of income that could generate sufficient cash flows to repay the amounts subject to the write-off. However, financial assets that are written off could still be subject to enforcement activities in order to comply with a.s.r.\u2019s procedures for recovery of amounts due. Should amounts be recovered these are then recognised when the payment has been received. </p>\n<div class=\"header header-2\">Derecognition and contract modification </div>\n<div class=\"header header-2\">Financial assets </div>\n<p>a.s.r. derecognises a financial asset when the contractual rights to the cash flows from the financial asset expire, or it transfers the rights to receive the contractual cash flows in a transaction in which substantially all of the risks and rewards of ownership of the financial asset are transferred or in which a.s.r. neither transfers nor retains substantially all of the risks and rewards of ownership and it does not retain control of the financial asset. </p>\n<p>On derecognition of a financial asset, the difference between the carrying amount at the date of derecognition and the consideration received (including any new asset obtained less any new liability assumed) is recognised in the income statement, unless the financial asset is an equity instrument and is measured at fair value through other comprehensive income. For these instruments any revaluation amount is transferred within equity from unrealised gains and losses to retained earnings. </p>\n<p>a.s.r. enters into transactions whereby it transfers assets recognised in its balance sheet, but retains either all or substantially all of the risks and rewards of the transferred assets. In these cases, the transferred assets are not derecognised. Examples of such transactions are repurchase agreements, securities lending and reverse repurchase agreements. The asset recognised for cash collateral paid on reverse repurchase agreements is presented under investments. The liability recognised for cash collateral received on repurchase agreements is presented under the line item due to banks. </p>\n<p>In transactions in which a.s.r. neither retains nor transfers substantially all of the risks and rewards of ownership of a financial asset and it retains control over the asset, a.s.r. continues to recognise the asset to the extent of its continuing involvement, determined by the extent to which it is exposed to changes in the value of the transferred asset. </p>\n<p>If the terms of a financial asset are modified, then a.s.r. evaluates whether the cash flows of the modified asset are substantially different. If the cash flows are substantially different, then the contractual rights to cash flows from the original financial asset are deemed to have expired. In this case, the original financial asset is derecognised and a new financial asset is recognised at fair value. </p>\n<p>If a financial asset measured at amortised cost is modified but not substantially, then the financial asset is not derecognised. If the asset has not been derecognised, then a.s.r. recalculates the gross carrying amount of the financial asset by discounting the modified contractual cash flows at the original effective interest rate and recognises the resulting adjustment to the gross carrying amount as a modification gain or loss in profit or loss. If such a modification is carried out because of financial difficulties of the borrower, then the gain or loss is presented together with impairment losses; in other cases, it is presented as interest revenue. </p>\n<div class=\"header header-2\">Financial liabilities </div>\n<p>a.s.r. generally derecognises a financial liability when its contractual obligations expire or are discharged or cancelled. a.s.r. also derecognises a financial liability when its terms are modified and the cash flows of the modified liability are substantially different (i.e. the net present value of the of the cash flows under the new terms discounted at the original effective interest rate is at least 10% different from the discounted present value of the remaining cash flows of the original debt instrument), in which case a new financial liability based on the modified terms is recognised at fair value. </p>\n<p>On derecognition of a financial liability, the difference between the carrying amount extinguished and the consideration paid (including any non-cash assets transferred or liabilities assumed) is recognised in profit or loss. </p>\n<p>If a financial liability measured at amortised cost is not substantially modified, then it is not derecognised. For such financial liabilities, a.s.r. recalculates the amortised cost of the financial liability by discounting the modified contractual cash flows at the original effective interest rate and recognises any resulting adjustment to the amortised cost as a modification gain or loss in \u2018other finance expenses\u2019 in profit or loss. Any costs and fees incurred adjust the carrying amount of the liability and are amortised over the remaining term of the modified liability. </p>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForHedgingExplanatory",
    "language": "en",
    "entity": "scheme:7245000G0HS48PZWUD53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "ixv-566": {
   "value": "\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n1286373\"><span class=\"title-text\">E. Financial assets and financial liabilities </span></h1>\n<p>a.s.r. has chosen to restate the comparative figures for financial assets and liabilities in line with IFRS 9 and the classification overlay approach in accordance with the amendment to IFRS 17 Insurance Contracts: Initial Application of IFRS 17 and IFRS 9 \u2013 Comparative Information. This option results in more useful comparative information. </p>\n<div class=\"header header-2\">Recognition and initial measurement </div>\n<p>a.s.r. recognises deposits and loans and borrowings on the date on which they originate. All other financial instruments are recognised at the transaction date, which is the date on which a.s.r. becomes party to the contractual stipulations of the instrument. </p>\n<p>Financial assets or financial liabilities are initially measured at fair value plus, for a financial asset or financial liability not measured at FVTPL, transaction costs that are directly attributable to its acquisition or issue. </p>\n<div class=\"header header-2\">Classification and subsequent measurement </div>\n<p>When a.s.r. becomes party to a financial asset contract, the related assets are classified into one of the following categories: </p><ul><li>\n<p>Amortised cost; </p></li><li>\n<p>Financial assets at fair value through other comprehensive income (FVOCI); or </p></li><li>\n<p>Financial assets at fair value through profit or loss (FVTPL). </p></li></ul>\n<p>The classification of the financial assets is determined at initial recognition. The classification and measurement of certain financial assets (debt instruments) is based on a.s.r.\u2019s business models in which a financial asset is managed, and its contractual cash flow characteristics. For detailed information on the fair value of the financial assets see accounting policy <a href=\"#n1286307\" title=\"B. Fair value of assets and liabilities\">B</a>. </p>\n<div class=\"header header-2\">Financial assets at amortised cost </div>\n<p>A financial asset (debt instrument) can be measured at amortised cost if it meets both of the following conditions and is not designated as FVTPL: </p><ul><li>\n<p>It is held within a business model whose objective is to hold assets to collect contractual cash flows; and </p></li><li>\n<p>Its contractual terms give rise on specified dates to cash flows that are solely payments of principal and interest on the principal amount outstanding. This is known as the SPPI test. </p></li></ul>\n<p>Debt instruments at amortised cost include mortgage loans and private loans held by Aegon Bank N.V. (Knab) and Aegon Hypotheken B.V. (Aegon hypotheken). </p>\n<p>Financial assets that are designated as hedged items are measured in accordance with the requirements for hedge accounting. </p>\n<div class=\"header header-2\">Financial assets at FVOCI </div>\n<p>Financial assets at FVOCI can be divided into debt instruments and equity instruments. </p>\n<p>A debt instrument can be measured at FVOCI if it meets both the following conditions and is not designated as at FVTPL: </p><ul><li>\n<p>It is held within a business model whose objective is achieved by both collecting contractual cash flows and selling financial assets; and </p></li><li>\n<p>Its contractual terms give rise on specified dates to cash flows that are solely payments of principal and interest on the principal amount outstanding. </p></li></ul>\n<p>Debt instruments at FVOCI are measured at fair value. Unrealised fair value gains and losses are recognised in other comprehensive income, and are subsequently reclassified to profit or loss when realised. Interest income is recognised in profit or loss using the effective interest rate. Debt instruments at FVOCI are subject to the impairment requirements. </p>\n<p>a.s.r. has only classified the bonds portfolio held by Knab and Aegon hypotheken at FVOCI. </p>\n<p>Equity instruments are measured at FVOCI if they are not held for trading and are not designated as at FVTPL. There is no subsequent recycling of fair value gains and losses to profit or loss following the derecognition of the investment if elected to measure the equity investments as FVOCI. </p>\n<p>a.s.r. classifies its equity instruments at FVOCI to reduce volatility in the income statement. </p>\n<div class=\"header header-2\">Financial assets at FVTPL </div>\n<p>All financial assets not classified as measured at amortised cost or FVOCI, as described above, are measured at FVTPL. </p>\n<p>Financial assets at FVTPL include: </p><ul><li>\n<p>Derivatives that do not qualify for hedge accounting; </p></li><li>\n<p>Financial assets that are managed and whose performance is evaluated on a fair value basis, such as: </p><ul><li>\n<p>Debt instruments for which a.s.r. has identified the business model Other; </p></li><li>\n<p>Investments related to direct participating contracts; </p></li><li>\n<p>Financial assets held for trading; </p></li></ul></li><li>\n<p>Associates for which a.s.r. elects to measure at FVTPL under IFRS 9. </p></li></ul>\n<div class=\"header header-3\">Hedge accounting (see also risk management section in chapter 7.8) </div>\n<p>To qualify for hedge accounting, the hedge relationship is designated and formally documented at inception, detailing the particular risk management objective and strategy for the hedge (which includes the item and risk that is being hedged), the derivative that is being used and how hedge effectiveness is being assessed. A derivative has to be effective in accomplishing the objective of offsetting either changes in fair value or cash flows for the risk being hedged. The effectiveness of the hedging relationship is evaluated on a prospective and retrospective basis using qualitative and quantitative measures of correlation. A hedging relationship is considered effective if the results of the hedging instrument are within a ratio of 80% to 125% of the results of the hedged item. a.s.r. has elected to continue to apply the hedge accounting requirements of IAS 39 for macro fair value hedges (EU \u2018carve out\u2019) on adoption of IFRS 9. </p>\n<p>As part of its asset liability management, a.s.r. enters into economic hedges to limit its risk exposure at Knab and Aegon hypotheken. These transactions are assessed to determine whether hedge accounting can and should be applied. a.s.r. currently applies hedge accounting for fair value hedges. </p>\n<div class=\"header header-4\">Fair value hedges </div>\n<p>a.s.r. applies fair value hedge accounting to portfolio hedges of interest rate risk (fair value macro hedging) under the EU \u2018carve out\u2019 of EU-IFRS. The EU \u2018carve out\u2019 macro hedging enables a group of derivatives (or proportions thereof) to be viewed in combination and jointly designated as the hedging instrument and removes some of the limitations in fair value hedge accounting. Under the EU \u2018carve out\u2019, ineffectiveness in fair value hedge accounting only arises when the revised projection of the amount of cash flows in scheduled time buckets falls below the designated amount of that bucket. a.s.r. applies fair value hedge accounting for portfolio hedges of interest rate risk (macro hedging) under the EU \u2018carve out\u2019 to mortgage loans. Changes in the fair value of the derivatives are recognised in the income statement, together with the fair value adjustment on the mortgage loans (hedged items) insofar as attributable to interest rate risk (the hedged risk). If the hedge relationship no longer meets the criteria for hedge accounting, the cumulative adjustment of the hedged item is, in the case of interest bearing instruments, amortised through the income statement over the remaining term of the original hedge or recognised directly when the hedged item is derecognised. </p>\n<p>Knab and Aegon hypotheken hold portfolios of long-term fixed rate mortgages and therefore are exposed to changes in fair value due to movements in market interest rates. Knab and Aegon hypotheken manage this risk exposure by entering into pay fixed/receive floating interest rate swaps. </p>\n<p>Only the interest rate risk element is hedged and therefore other risks, such as credit risk, are managed but not hedged by Knab and Aegon hypotheken. This hedging strategy is applied to the portion of exposure that is not naturally offset against matching positions held by Knab and Aegon hypotheken. Changes in fair value of the long-term fixed rate mortgages arising from changes in interest rate are usually the largest component of the overall change in fair value. This strategy is designated as a fair value hedge and its effectiveness is assessed by comparing changes in the fair value of the loans attributable to changes in the benchmark rate of interest with changes in the fair value of the interest rate swaps. </p>\n<p>Knab and Aegon hypotheken establish the hedging ratio by matching the notional of the derivatives with the principal of the portfolio being hedged. Possible sources of ineffectiveness are as follows: </p><ul><li>\n<p>Differences between the expected and actual volume of prepayments, as Knab and Aegon hypotheken hedge to the expected repayment date taking into account expected prepayments based on past experience; </p></li><li>\n<p>Difference in the discounting between the hedged item and the hedging instrument, as cash collateralised interest rate swaps are discounted using Overnight Indexed Swaps (OIS) discount curves, which are not applied to the fixed rate mortgages; </p></li><li>\n<p>Hedging derivatives with a non-zero fair value at the date of initial designation as a hedging instrument; and </p></li><li>\n<p>Counterparty credit risk which impacts the fair value of uncollateralised interest rate swaps but not the hedged items. </p></li></ul>\n<p>Knab and Aegon hypotheken manage the interest rate risk arising from fixed rate mortgages by entering into interest rate swaps on a monthly basis. The exposure from these portfolios frequently changes due to new loans originated, contractual repayments and early prepayments made by customers in each period. As a result, Knab and Aegon hypotheken adopt a dynamic hedging strategy (sometime referred to as a \u2018macro\u2019 or \u2018portfolio\u2019 hedge) to hedge the exposure profile by closing and entering into new swap agreements at each month-end. Knab and Aegon hypotheken use the portfolio fair value hedge of interest rate risk to recognise fair value changes related to changes in interest rate risk in the mortgage portfolio, and therefore reduce the profit or loss volatility that would\u00a0 otherwise arise from changes in fair value of the interest rate swaps alone. </p>\n<div class=\"header header-2\">Accrued interest </div>\n<p>In line with Solvency II reporting a.s.r. accounts for debt instruments at their \u201cdirty\u201d fair value, thus including any related accrued interest. </p>\n<div class=\"header header-2\">Business model assessment </div>\n<p>The business model is determined at a level that reflects how groups of financial assets are managed together to achieve a particular business objective. a.s.r.\u2019s business models refer to how a.s.r. manages its financial assets in order to generate cash flows. </p>\n<p>a.s.r. identifies the business model Hold to Collect for the mortgage loans and private loans held by Knab and Aegon hypotheken and for its other financial assets, and identifies the business model Held to Collect &amp; Sell for the bonds portfolio held by Knab. All other debt instruments are mandatorily designated as at FVTPL (business model Other). </p>\n<div class=\"header header-2\">Assessment whether contractual cash flows are solely payments of principal and interest (SPPI) </div>\n<p>For the purpose of this assessment, principal is defined as the fair value of the financial asset on initial recognition. However, the principal may change over time \u2013 e.g. if there are repayments of principal. </p>\n<p>Interest is defined as consideration for the time value of money, for the credit risk associated with the principal amount outstanding during a particular period of time and for other basic lending risks (e.g. liquidity risk) and costs (e.g. administrative costs), as well as a profit margin that is consistent with a basic lending arrangement. Financial assets with embedded derivatives are considered in their entirety when determining whether their cash flows are SPPI. </p>\n<p>a.s.r. assesses the SPPI for the loans and bonds portfolio held by Knab and Aegon hypotheken and for its other financial assets. All other debt instruments are mandatorily designated as at FVTPL (business model Other). </p>\n<div class=\"header header-2\">Subsequent measurement and gains and losses </div>\n<div class=\"header header-3\">Financial assets at amortised cost </div>\n<p>Financial assets at amortised cost are measured at amortised cost using the effective interest method. Interest income, foreign exchange gains and losses and impairment are recognised in profit or loss. Any gain or loss on derecognition is also recognised in profit or loss. </p>\n<div class=\"header header-3\">Financial assets at FVOCI </div>\n<p>Equity investments at FVOCI are measured at fair value. All fair value gains and losses are recorded in OCI, without recycling to profit or loss. Dividends from such investments continue to be recognised in profit or loss as Investment income when a.s.r.\u2019s right to receive payments is established. Impairment requirements are not applicable to equity investments measured as FVOCI. </p>\n<div class=\"header header-3\">Financial assets at FVTPL </div>\n<p>Financial assets at FVTPL are measured at fair value. Net gains and losses, including any interest or dividend income and foreign exchange gains and losses, are recognised in profit or loss. Impairment requirements are not applicable to financial assets measured at FVTPL. </p>\n<p>See accounting policy <a href=\"#n1286848\" title=\"V3. Investment income\">V3</a>. </p>\n<div class=\"header header-2\">Financial liabilities </div>\n<div class=\"header header-2\">Classification </div>\n<p>a.s.r. classifies its liabilities into one of the following categories: </p><ul><li>\n<p>financial liabilities at FVTPL (derivatives); or </p></li><li>\n<p>financial liabilities at amortised cost (all other financial liabilities). </p></li></ul>\n<div class=\"header header-2\">Subsequent measurement and gains and losses </div>\n<div class=\"header header-3\">Financial liabilities at FVTPL </div>\n<p>Financial liabilities at FVTPL are measured at fair value. Net gains and losses, including any interest expenses and foreign exchange gains and losses, are recognised in profit or loss. </p>\n<div class=\"header header-3\">Financial liabilities at amortised cost </div>\n<p>Financial liabilities at amortised cost are measured at amortised cost using the effective interest method. Interest expenses, foreign exchange gains and losses are recognised in profit or loss. Any gain or loss on derecognition is also recognised in profit or loss. </p>\n<div class=\"header header-2\">Accrued interest </div>\n<p>In line with Solvency II reporting a.s.r. accounts for financial liabilities at their \u201cdirty\u201d fair value, thus including any related accrued interest. </p>\n<div class=\"header header-2\">Interest on financial liabilities </div>\n<p>Interest expenses are calculated by applying the effective interest rate to the amortised cost of the liability. When calculating the effective interest rate, a.s.r. estimates future cash flows considering all contractual terms of the liability. </p>\n<div class=\"header header-2\">Derivatives including embedded derivatives </div>\n<p>Derivatives within the insurance entities are primarily used by a.s.r. for hedging interest rate and exchange rate risks, for hedging future transactions and the exposure to market risks. </p>\n<p>These derivatives are classified as held-for-trading. Derivatives are measured at fair value with changes in fair value recognised in profit or loss. Derivatives may be embedded in another contractual arrangement (a host contract). </p>\n<p>For contracts where the host contract is a financial asset in the scope of IFRS 9, the hybrid financial instrument as a whole is assessed for classification and the embedded derivative is not separated from the host contract. </p>\n<p>A derivative embedded in a host insurance or reinsurance contract is not accounted for separately from the host contract if the embedded derivate itself meets the definition of an insurance or reinsurance contract. </p>\n<p>For other contracts, a.s.r. accounts for an embedded derivative separately from the host contract when: </p><ul><li>\n<p>the hybrid contract is not measured at FVTPL; </p></li><li>\n<p>the terms of the embedded derivative would have met the definition of a derivative if they were contained in a separate contract; and </p></li><li>\n<p>the economic characteristics and risks of the embedded derivative are not closely related to those of the host contract. </p></li></ul>\n<div class=\"header header-2\">Impairments in the P&amp;L </div>\n<p>a.s.r. recognises loss allowances for ECL on debt instruments measured at amortised cost or FVOCI. a.s.r. uses the low credit risk simplification for investment grade debt instruments and recognises a lifetime ECL for other financial assets using the simplified approach. Lifetime ECL are the ECL that result from all possible default events over the expected life of a financial instrument. </p>\n<p>ECLs are a probability-weighted estimate of credit losses. Credit losses are measured as the present value of all cash shortfalls (i.e. the difference between the cash flows due to a.s.r. in accordance with the contract and the cash flows that a.s.r. expects to receive). The maximum period considered when estimating ECLs is the maximum contractual period over which a.s.r. is exposed to credit risk. </p>\n<div class=\"header header-3\">Write-off </div>\n<p>The gross carrying amount of a financial asset is written off (either partially or in full) to the extent that there is no realistic prospect of recovery. This is generally the case when a.s.r. determines that the borrower does not have assets or resources of income that could generate sufficient cash flows to repay the amounts subject to the write-off. However, financial assets that are written off could still be subject to enforcement activities in order to comply with a.s.r.\u2019s procedures for recovery of amounts due. Should amounts be recovered these are then recognised when the payment has been received. </p>\n<div class=\"header header-2\">Derecognition and contract modification </div>\n<div class=\"header header-2\">Financial assets </div>\n<p>a.s.r. derecognises a financial asset when the contractual rights to the cash flows from the financial asset expire, or it transfers the rights to receive the contractual cash flows in a transaction in which substantially all of the risks and rewards of ownership of the financial asset are transferred or in which a.s.r. neither transfers nor retains substantially all of the risks and rewards of ownership and it does not retain control of the financial asset. </p>\n<p>On derecognition of a financial asset, the difference between the carrying amount at the date of derecognition and the consideration received (including any new asset obtained less any new liability assumed) is recognised in the income statement, unless the financial asset is an equity instrument and is measured at fair value through other comprehensive income. For these instruments any revaluation amount is transferred within equity from unrealised gains and losses to retained earnings. </p>\n<p>a.s.r. enters into transactions whereby it transfers assets recognised in its balance sheet, but retains either all or substantially all of the risks and rewards of the transferred assets. In these cases, the transferred assets are not derecognised. Examples of such transactions are repurchase agreements, securities lending and reverse repurchase agreements. The asset recognised for cash collateral paid on reverse repurchase agreements is presented under investments. The liability recognised for cash collateral received on repurchase agreements is presented under the line item due to banks. </p>\n<p>In transactions in which a.s.r. neither retains nor transfers substantially all of the risks and rewards of ownership of a financial asset and it retains control over the asset, a.s.r. continues to recognise the asset to the extent of its continuing involvement, determined by the extent to which it is exposed to changes in the value of the transferred asset. </p>\n<p>If the terms of a financial asset are modified, then a.s.r. evaluates whether the cash flows of the modified asset are substantially different. If the cash flows are substantially different, then the contractual rights to cash flows from the original financial asset are deemed to have expired. In this case, the original financial asset is derecognised and a new financial asset is recognised at fair value. </p>\n<p>If a financial asset measured at amortised cost is modified but not substantially, then the financial asset is not derecognised. If the asset has not been derecognised, then a.s.r. recalculates the gross carrying amount of the financial asset by discounting the modified contractual cash flows at the original effective interest rate and recognises the resulting adjustment to the gross carrying amount as a modification gain or loss in profit or loss. If such a modification is carried out because of financial difficulties of the borrower, then the gain or loss is presented together with impairment losses; in other cases, it is presented as interest revenue. </p>\n<div class=\"header header-2\">Financial liabilities </div>\n<p>a.s.r. generally derecognises a financial liability when its contractual obligations expire or are discharged or cancelled. a.s.r. also derecognises a financial liability when its terms are modified and the cash flows of the modified liability are substantially different (i.e. the net present value of the of the cash flows under the new terms discounted at the original effective interest rate is at least 10% different from the discounted present value of the remaining cash flows of the original debt instrument), in which case a new financial liability based on the modified terms is recognised at fair value. </p>\n<p>On derecognition of a financial liability, the difference between the carrying amount extinguished and the consideration paid (including any non-cash assets transferred or liabilities assumed) is recognised in profit or loss. </p>\n<p>If a financial liability measured at amortised cost is not substantially modified, then it is not derecognised. For such financial liabilities, a.s.r. recalculates the amortised cost of the financial liability by discounting the modified contractual cash flows at the original effective interest rate and recognises any resulting adjustment to the amortised cost as a modification gain or loss in \u2018other finance expenses\u2019 in profit or loss. Any costs and fees incurred adjust the carrying amount of the liability and are amortised over the remaining term of the modified liability. </p>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForImpairmentOfFinancialAssetsExplanatory",
    "language": "en",
    "entity": "scheme:7245000G0HS48PZWUD53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "ixv-568": {
   "value": "\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n1286373\"><span class=\"title-text\">E. Financial assets and financial liabilities </span></h1>\n<p>a.s.r. has chosen to restate the comparative figures for financial assets and liabilities in line with IFRS 9 and the classification overlay approach in accordance with the amendment to IFRS 17 Insurance Contracts: Initial Application of IFRS 17 and IFRS 9 \u2013 Comparative Information. This option results in more useful comparative information. </p>\n<div class=\"header header-2\">Recognition and initial measurement </div>\n<p>a.s.r. recognises deposits and loans and borrowings on the date on which they originate. All other financial instruments are recognised at the transaction date, which is the date on which a.s.r. becomes party to the contractual stipulations of the instrument. </p>\n<p>Financial assets or financial liabilities are initially measured at fair value plus, for a financial asset or financial liability not measured at FVTPL, transaction costs that are directly attributable to its acquisition or issue. </p>\n<div class=\"header header-2\">Classification and subsequent measurement </div>\n<p>When a.s.r. becomes party to a financial asset contract, the related assets are classified into one of the following categories: </p><ul><li>\n<p>Amortised cost; </p></li><li>\n<p>Financial assets at fair value through other comprehensive income (FVOCI); or </p></li><li>\n<p>Financial assets at fair value through profit or loss (FVTPL). </p></li></ul>\n<p>The classification of the financial assets is determined at initial recognition. The classification and measurement of certain financial assets (debt instruments) is based on a.s.r.\u2019s business models in which a financial asset is managed, and its contractual cash flow characteristics. For detailed information on the fair value of the financial assets see accounting policy <a href=\"#n1286307\" title=\"B. Fair value of assets and liabilities\">B</a>. </p>\n<div class=\"header header-2\">Financial assets at amortised cost </div>\n<p>A financial asset (debt instrument) can be measured at amortised cost if it meets both of the following conditions and is not designated as FVTPL: </p><ul><li>\n<p>It is held within a business model whose objective is to hold assets to collect contractual cash flows; and </p></li><li>\n<p>Its contractual terms give rise on specified dates to cash flows that are solely payments of principal and interest on the principal amount outstanding. This is known as the SPPI test. </p></li></ul>\n<p>Debt instruments at amortised cost include mortgage loans and private loans held by Aegon Bank N.V. (Knab) and Aegon Hypotheken B.V. (Aegon hypotheken). </p>\n<p>Financial assets that are designated as hedged items are measured in accordance with the requirements for hedge accounting. </p>\n<div class=\"header header-2\">Financial assets at FVOCI </div>\n<p>Financial assets at FVOCI can be divided into debt instruments and equity instruments. </p>\n<p>A debt instrument can be measured at FVOCI if it meets both the following conditions and is not designated as at FVTPL: </p><ul><li>\n<p>It is held within a business model whose objective is achieved by both collecting contractual cash flows and selling financial assets; and </p></li><li>\n<p>Its contractual terms give rise on specified dates to cash flows that are solely payments of principal and interest on the principal amount outstanding. </p></li></ul>\n<p>Debt instruments at FVOCI are measured at fair value. Unrealised fair value gains and losses are recognised in other comprehensive income, and are subsequently reclassified to profit or loss when realised. Interest income is recognised in profit or loss using the effective interest rate. Debt instruments at FVOCI are subject to the impairment requirements. </p>\n<p>a.s.r. has only classified the bonds portfolio held by Knab and Aegon hypotheken at FVOCI. </p>\n<p>Equity instruments are measured at FVOCI if they are not held for trading and are not designated as at FVTPL. There is no subsequent recycling of fair value gains and losses to profit or loss following the derecognition of the investment if elected to measure the equity investments as FVOCI. </p>\n<p>a.s.r. classifies its equity instruments at FVOCI to reduce volatility in the income statement. </p>\n<div class=\"header header-2\">Financial assets at FVTPL </div>\n<p>All financial assets not classified as measured at amortised cost or FVOCI, as described above, are measured at FVTPL. </p>\n<p>Financial assets at FVTPL include: </p><ul><li>\n<p>Derivatives that do not qualify for hedge accounting; </p></li><li>\n<p>Financial assets that are managed and whose performance is evaluated on a fair value basis, such as: </p><ul><li>\n<p>Debt instruments for which a.s.r. has identified the business model Other; </p></li><li>\n<p>Investments related to direct participating contracts; </p></li><li>\n<p>Financial assets held for trading; </p></li></ul></li><li>\n<p>Associates for which a.s.r. elects to measure at FVTPL under IFRS 9. </p></li></ul>\n<div class=\"header header-3\">Hedge accounting (see also risk management section in chapter 7.8) </div>\n<p>To qualify for hedge accounting, the hedge relationship is designated and formally documented at inception, detailing the particular risk management objective and strategy for the hedge (which includes the item and risk that is being hedged), the derivative that is being used and how hedge effectiveness is being assessed. A derivative has to be effective in accomplishing the objective of offsetting either changes in fair value or cash flows for the risk being hedged. The effectiveness of the hedging relationship is evaluated on a prospective and retrospective basis using qualitative and quantitative measures of correlation. A hedging relationship is considered effective if the results of the hedging instrument are within a ratio of 80% to 125% of the results of the hedged item. a.s.r. has elected to continue to apply the hedge accounting requirements of IAS 39 for macro fair value hedges (EU \u2018carve out\u2019) on adoption of IFRS 9. </p>\n<p>As part of its asset liability management, a.s.r. enters into economic hedges to limit its risk exposure at Knab and Aegon hypotheken. These transactions are assessed to determine whether hedge accounting can and should be applied. a.s.r. currently applies hedge accounting for fair value hedges. </p>\n<div class=\"header header-4\">Fair value hedges </div>\n<p>a.s.r. applies fair value hedge accounting to portfolio hedges of interest rate risk (fair value macro hedging) under the EU \u2018carve out\u2019 of EU-IFRS. The EU \u2018carve out\u2019 macro hedging enables a group of derivatives (or proportions thereof) to be viewed in combination and jointly designated as the hedging instrument and removes some of the limitations in fair value hedge accounting. Under the EU \u2018carve out\u2019, ineffectiveness in fair value hedge accounting only arises when the revised projection of the amount of cash flows in scheduled time buckets falls below the designated amount of that bucket. a.s.r. applies fair value hedge accounting for portfolio hedges of interest rate risk (macro hedging) under the EU \u2018carve out\u2019 to mortgage loans. Changes in the fair value of the derivatives are recognised in the income statement, together with the fair value adjustment on the mortgage loans (hedged items) insofar as attributable to interest rate risk (the hedged risk). If the hedge relationship no longer meets the criteria for hedge accounting, the cumulative adjustment of the hedged item is, in the case of interest bearing instruments, amortised through the income statement over the remaining term of the original hedge or recognised directly when the hedged item is derecognised. </p>\n<p>Knab and Aegon hypotheken hold portfolios of long-term fixed rate mortgages and therefore are exposed to changes in fair value due to movements in market interest rates. Knab and Aegon hypotheken manage this risk exposure by entering into pay fixed/receive floating interest rate swaps. </p>\n<p>Only the interest rate risk element is hedged and therefore other risks, such as credit risk, are managed but not hedged by Knab and Aegon hypotheken. This hedging strategy is applied to the portion of exposure that is not naturally offset against matching positions held by Knab and Aegon hypotheken. Changes in fair value of the long-term fixed rate mortgages arising from changes in interest rate are usually the largest component of the overall change in fair value. This strategy is designated as a fair value hedge and its effectiveness is assessed by comparing changes in the fair value of the loans attributable to changes in the benchmark rate of interest with changes in the fair value of the interest rate swaps. </p>\n<p>Knab and Aegon hypotheken establish the hedging ratio by matching the notional of the derivatives with the principal of the portfolio being hedged. Possible sources of ineffectiveness are as follows: </p><ul><li>\n<p>Differences between the expected and actual volume of prepayments, as Knab and Aegon hypotheken hedge to the expected repayment date taking into account expected prepayments based on past experience; </p></li><li>\n<p>Difference in the discounting between the hedged item and the hedging instrument, as cash collateralised interest rate swaps are discounted using Overnight Indexed Swaps (OIS) discount curves, which are not applied to the fixed rate mortgages; </p></li><li>\n<p>Hedging derivatives with a non-zero fair value at the date of initial designation as a hedging instrument; and </p></li><li>\n<p>Counterparty credit risk which impacts the fair value of uncollateralised interest rate swaps but not the hedged items. </p></li></ul>\n<p>Knab and Aegon hypotheken manage the interest rate risk arising from fixed rate mortgages by entering into interest rate swaps on a monthly basis. The exposure from these portfolios frequently changes due to new loans originated, contractual repayments and early prepayments made by customers in each period. As a result, Knab and Aegon hypotheken adopt a dynamic hedging strategy (sometime referred to as a \u2018macro\u2019 or \u2018portfolio\u2019 hedge) to hedge the exposure profile by closing and entering into new swap agreements at each month-end. Knab and Aegon hypotheken use the portfolio fair value hedge of interest rate risk to recognise fair value changes related to changes in interest rate risk in the mortgage portfolio, and therefore reduce the profit or loss volatility that would\u00a0 otherwise arise from changes in fair value of the interest rate swaps alone. </p>\n<div class=\"header header-2\">Accrued interest </div>\n<p>In line with Solvency II reporting a.s.r. accounts for debt instruments at their \u201cdirty\u201d fair value, thus including any related accrued interest. </p>\n<div class=\"header header-2\">Business model assessment </div>\n<p>The business model is determined at a level that reflects how groups of financial assets are managed together to achieve a particular business objective. a.s.r.\u2019s business models refer to how a.s.r. manages its financial assets in order to generate cash flows. </p>\n<p>a.s.r. identifies the business model Hold to Collect for the mortgage loans and private loans held by Knab and Aegon hypotheken and for its other financial assets, and identifies the business model Held to Collect &amp; Sell for the bonds portfolio held by Knab. All other debt instruments are mandatorily designated as at FVTPL (business model Other). </p>\n<div class=\"header header-2\">Assessment whether contractual cash flows are solely payments of principal and interest (SPPI) </div>\n<p>For the purpose of this assessment, principal is defined as the fair value of the financial asset on initial recognition. However, the principal may change over time \u2013 e.g. if there are repayments of principal. </p>\n<p>Interest is defined as consideration for the time value of money, for the credit risk associated with the principal amount outstanding during a particular period of time and for other basic lending risks (e.g. liquidity risk) and costs (e.g. administrative costs), as well as a profit margin that is consistent with a basic lending arrangement. Financial assets with embedded derivatives are considered in their entirety when determining whether their cash flows are SPPI. </p>\n<p>a.s.r. assesses the SPPI for the loans and bonds portfolio held by Knab and Aegon hypotheken and for its other financial assets. All other debt instruments are mandatorily designated as at FVTPL (business model Other). </p>\n<div class=\"header header-2\">Subsequent measurement and gains and losses </div>\n<div class=\"header header-3\">Financial assets at amortised cost </div>\n<p>Financial assets at amortised cost are measured at amortised cost using the effective interest method. Interest income, foreign exchange gains and losses and impairment are recognised in profit or loss. Any gain or loss on derecognition is also recognised in profit or loss. </p>\n<div class=\"header header-3\">Financial assets at FVOCI </div>\n<p>Equity investments at FVOCI are measured at fair value. All fair value gains and losses are recorded in OCI, without recycling to profit or loss. Dividends from such investments continue to be recognised in profit or loss as Investment income when a.s.r.\u2019s right to receive payments is established. Impairment requirements are not applicable to equity investments measured as FVOCI. </p>\n<div class=\"header header-3\">Financial assets at FVTPL </div>\n<p>Financial assets at FVTPL are measured at fair value. Net gains and losses, including any interest or dividend income and foreign exchange gains and losses, are recognised in profit or loss. Impairment requirements are not applicable to financial assets measured at FVTPL. </p>\n<p>See accounting policy <a href=\"#n1286848\" title=\"V3. Investment income\">V3</a>. </p>\n<div class=\"header header-2\">Financial liabilities </div>\n<div class=\"header header-2\">Classification </div>\n<p>a.s.r. classifies its liabilities into one of the following categories: </p><ul><li>\n<p>financial liabilities at FVTPL (derivatives); or </p></li><li>\n<p>financial liabilities at amortised cost (all other financial liabilities). </p></li></ul>\n<div class=\"header header-2\">Subsequent measurement and gains and losses </div>\n<div class=\"header header-3\">Financial liabilities at FVTPL </div>\n<p>Financial liabilities at FVTPL are measured at fair value. Net gains and losses, including any interest expenses and foreign exchange gains and losses, are recognised in profit or loss. </p>\n<div class=\"header header-3\">Financial liabilities at amortised cost </div>\n<p>Financial liabilities at amortised cost are measured at amortised cost using the effective interest method. Interest expenses, foreign exchange gains and losses are recognised in profit or loss. Any gain or loss on derecognition is also recognised in profit or loss. </p>\n<div class=\"header header-2\">Accrued interest </div>\n<p>In line with Solvency II reporting a.s.r. accounts for financial liabilities at their \u201cdirty\u201d fair value, thus including any related accrued interest. </p>\n<div class=\"header header-2\">Interest on financial liabilities </div>\n<p>Interest expenses are calculated by applying the effective interest rate to the amortised cost of the liability. When calculating the effective interest rate, a.s.r. estimates future cash flows considering all contractual terms of the liability. </p>\n<div class=\"header header-2\">Derivatives including embedded derivatives </div>\n<p>Derivatives within the insurance entities are primarily used by a.s.r. for hedging interest rate and exchange rate risks, for hedging future transactions and the exposure to market risks. </p>\n<p>These derivatives are classified as held-for-trading. Derivatives are measured at fair value with changes in fair value recognised in profit or loss. Derivatives may be embedded in another contractual arrangement (a host contract). </p>\n<p>For contracts where the host contract is a financial asset in the scope of IFRS 9, the hybrid financial instrument as a whole is assessed for classification and the embedded derivative is not separated from the host contract. </p>\n<p>A derivative embedded in a host insurance or reinsurance contract is not accounted for separately from the host contract if the embedded derivate itself meets the definition of an insurance or reinsurance contract. </p>\n<p>For other contracts, a.s.r. accounts for an embedded derivative separately from the host contract when: </p><ul><li>\n<p>the hybrid contract is not measured at FVTPL; </p></li><li>\n<p>the terms of the embedded derivative would have met the definition of a derivative if they were contained in a separate contract; and </p></li><li>\n<p>the economic characteristics and risks of the embedded derivative are not closely related to those of the host contract. </p></li></ul>\n<div class=\"header header-2\">Impairments in the P&amp;L </div>\n<p>a.s.r. recognises loss allowances for ECL on debt instruments measured at amortised cost or FVOCI. a.s.r. uses the low credit risk simplification for investment grade debt instruments and recognises a lifetime ECL for other financial assets using the simplified approach. Lifetime ECL are the ECL that result from all possible default events over the expected life of a financial instrument. </p>\n<p>ECLs are a probability-weighted estimate of credit losses. Credit losses are measured as the present value of all cash shortfalls (i.e. the difference between the cash flows due to a.s.r. in accordance with the contract and the cash flows that a.s.r. expects to receive). The maximum period considered when estimating ECLs is the maximum contractual period over which a.s.r. is exposed to credit risk. </p>\n<div class=\"header header-3\">Write-off </div>\n<p>The gross carrying amount of a financial asset is written off (either partially or in full) to the extent that there is no realistic prospect of recovery. This is generally the case when a.s.r. determines that the borrower does not have assets or resources of income that could generate sufficient cash flows to repay the amounts subject to the write-off. However, financial assets that are written off could still be subject to enforcement activities in order to comply with a.s.r.\u2019s procedures for recovery of amounts due. Should amounts be recovered these are then recognised when the payment has been received. </p>\n<div class=\"header header-2\">Derecognition and contract modification </div>\n<div class=\"header header-2\">Financial assets </div>\n<p>a.s.r. derecognises a financial asset when the contractual rights to the cash flows from the financial asset expire, or it transfers the rights to receive the contractual cash flows in a transaction in which substantially all of the risks and rewards of ownership of the financial asset are transferred or in which a.s.r. neither transfers nor retains substantially all of the risks and rewards of ownership and it does not retain control of the financial asset. </p>\n<p>On derecognition of a financial asset, the difference between the carrying amount at the date of derecognition and the consideration received (including any new asset obtained less any new liability assumed) is recognised in the income statement, unless the financial asset is an equity instrument and is measured at fair value through other comprehensive income. For these instruments any revaluation amount is transferred within equity from unrealised gains and losses to retained earnings. </p>\n<p>a.s.r. enters into transactions whereby it transfers assets recognised in its balance sheet, but retains either all or substantially all of the risks and rewards of the transferred assets. In these cases, the transferred assets are not derecognised. Examples of such transactions are repurchase agreements, securities lending and reverse repurchase agreements. The asset recognised for cash collateral paid on reverse repurchase agreements is presented under investments. The liability recognised for cash collateral received on repurchase agreements is presented under the line item due to banks. </p>\n<p>In transactions in which a.s.r. neither retains nor transfers substantially all of the risks and rewards of ownership of a financial asset and it retains control over the asset, a.s.r. continues to recognise the asset to the extent of its continuing involvement, determined by the extent to which it is exposed to changes in the value of the transferred asset. </p>\n<p>If the terms of a financial asset are modified, then a.s.r. evaluates whether the cash flows of the modified asset are substantially different. If the cash flows are substantially different, then the contractual rights to cash flows from the original financial asset are deemed to have expired. In this case, the original financial asset is derecognised and a new financial asset is recognised at fair value. </p>\n<p>If a financial asset measured at amortised cost is modified but not substantially, then the financial asset is not derecognised. If the asset has not been derecognised, then a.s.r. recalculates the gross carrying amount of the financial asset by discounting the modified contractual cash flows at the original effective interest rate and recognises the resulting adjustment to the gross carrying amount as a modification gain or loss in profit or loss. If such a modification is carried out because of financial difficulties of the borrower, then the gain or loss is presented together with impairment losses; in other cases, it is presented as interest revenue. </p>\n<div class=\"header header-2\">Financial liabilities </div>\n<p>a.s.r. generally derecognises a financial liability when its contractual obligations expire or are discharged or cancelled. a.s.r. also derecognises a financial liability when its terms are modified and the cash flows of the modified liability are substantially different (i.e. the net present value of the of the cash flows under the new terms discounted at the original effective interest rate is at least 10% different from the discounted present value of the remaining cash flows of the original debt instrument), in which case a new financial liability based on the modified terms is recognised at fair value. </p>\n<p>On derecognition of a financial liability, the difference between the carrying amount extinguished and the consideration paid (including any non-cash assets transferred or liabilities assumed) is recognised in profit or loss. </p>\n<p>If a financial liability measured at amortised cost is not substantially modified, then it is not derecognised. For such financial liabilities, a.s.r. recalculates the amortised cost of the financial liability by discounting the modified contractual cash flows at the original effective interest rate and recognises any resulting adjustment to the amortised cost as a modification gain or loss in \u2018other finance expenses\u2019 in profit or loss. Any costs and fees incurred adjust the carrying amount of the liability and are amortised over the remaining term of the modified liability. </p>",
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    "concept": "ifrs-full:DescriptionOfAccountingPolicyForLoansAndReceivablesExplanatory",
    "language": "en",
    "entity": "scheme:7245000G0HS48PZWUD53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "ixv-569": {
   "value": "\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n1286373\"><span class=\"title-text\">E. Financial assets and financial liabilities </span></h1>\n<p>a.s.r. has chosen to restate the comparative figures for financial assets and liabilities in line with IFRS 9 and the classification overlay approach in accordance with the amendment to IFRS 17 Insurance Contracts: Initial Application of IFRS 17 and IFRS 9 \u2013 Comparative Information. This option results in more useful comparative information. </p>\n<div class=\"header header-2\">Recognition and initial measurement </div>\n<p>a.s.r. recognises deposits and loans and borrowings on the date on which they originate. All other financial instruments are recognised at the transaction date, which is the date on which a.s.r. becomes party to the contractual stipulations of the instrument. </p>\n<p>Financial assets or financial liabilities are initially measured at fair value plus, for a financial asset or financial liability not measured at FVTPL, transaction costs that are directly attributable to its acquisition or issue. </p>\n<div class=\"header header-2\">Classification and subsequent measurement </div>\n<p>When a.s.r. becomes party to a financial asset contract, the related assets are classified into one of the following categories: </p><ul><li>\n<p>Amortised cost; </p></li><li>\n<p>Financial assets at fair value through other comprehensive income (FVOCI); or </p></li><li>\n<p>Financial assets at fair value through profit or loss (FVTPL). </p></li></ul>\n<p>The classification of the financial assets is determined at initial recognition. The classification and measurement of certain financial assets (debt instruments) is based on a.s.r.\u2019s business models in which a financial asset is managed, and its contractual cash flow characteristics. For detailed information on the fair value of the financial assets see accounting policy <a href=\"#n1286307\" title=\"B. Fair value of assets and liabilities\">B</a>. </p>\n<div class=\"header header-2\">Financial assets at amortised cost </div>\n<p>A financial asset (debt instrument) can be measured at amortised cost if it meets both of the following conditions and is not designated as FVTPL: </p><ul><li>\n<p>It is held within a business model whose objective is to hold assets to collect contractual cash flows; and </p></li><li>\n<p>Its contractual terms give rise on specified dates to cash flows that are solely payments of principal and interest on the principal amount outstanding. This is known as the SPPI test. </p></li></ul>\n<p>Debt instruments at amortised cost include mortgage loans and private loans held by Aegon Bank N.V. (Knab) and Aegon Hypotheken B.V. (Aegon hypotheken). </p>\n<p>Financial assets that are designated as hedged items are measured in accordance with the requirements for hedge accounting. </p>\n<div class=\"header header-2\">Financial assets at FVOCI </div>\n<p>Financial assets at FVOCI can be divided into debt instruments and equity instruments. </p>\n<p>A debt instrument can be measured at FVOCI if it meets both the following conditions and is not designated as at FVTPL: </p><ul><li>\n<p>It is held within a business model whose objective is achieved by both collecting contractual cash flows and selling financial assets; and </p></li><li>\n<p>Its contractual terms give rise on specified dates to cash flows that are solely payments of principal and interest on the principal amount outstanding. </p></li></ul>\n<p>Debt instruments at FVOCI are measured at fair value. Unrealised fair value gains and losses are recognised in other comprehensive income, and are subsequently reclassified to profit or loss when realised. Interest income is recognised in profit or loss using the effective interest rate. Debt instruments at FVOCI are subject to the impairment requirements. </p>\n<p>a.s.r. has only classified the bonds portfolio held by Knab and Aegon hypotheken at FVOCI. </p>\n<p>Equity instruments are measured at FVOCI if they are not held for trading and are not designated as at FVTPL. There is no subsequent recycling of fair value gains and losses to profit or loss following the derecognition of the investment if elected to measure the equity investments as FVOCI. </p>\n<p>a.s.r. classifies its equity instruments at FVOCI to reduce volatility in the income statement. </p>\n<div class=\"header header-2\">Financial assets at FVTPL </div>\n<p>All financial assets not classified as measured at amortised cost or FVOCI, as described above, are measured at FVTPL. </p>\n<p>Financial assets at FVTPL include: </p><ul><li>\n<p>Derivatives that do not qualify for hedge accounting; </p></li><li>\n<p>Financial assets that are managed and whose performance is evaluated on a fair value basis, such as: </p><ul><li>\n<p>Debt instruments for which a.s.r. has identified the business model Other; </p></li><li>\n<p>Investments related to direct participating contracts; </p></li><li>\n<p>Financial assets held for trading; </p></li></ul></li><li>\n<p>Associates for which a.s.r. elects to measure at FVTPL under IFRS 9. </p></li></ul>\n<div class=\"header header-3\">Hedge accounting (see also risk management section in chapter 7.8) </div>\n<p>To qualify for hedge accounting, the hedge relationship is designated and formally documented at inception, detailing the particular risk management objective and strategy for the hedge (which includes the item and risk that is being hedged), the derivative that is being used and how hedge effectiveness is being assessed. A derivative has to be effective in accomplishing the objective of offsetting either changes in fair value or cash flows for the risk being hedged. The effectiveness of the hedging relationship is evaluated on a prospective and retrospective basis using qualitative and quantitative measures of correlation. A hedging relationship is considered effective if the results of the hedging instrument are within a ratio of 80% to 125% of the results of the hedged item. a.s.r. has elected to continue to apply the hedge accounting requirements of IAS 39 for macro fair value hedges (EU \u2018carve out\u2019) on adoption of IFRS 9. </p>\n<p>As part of its asset liability management, a.s.r. enters into economic hedges to limit its risk exposure at Knab and Aegon hypotheken. These transactions are assessed to determine whether hedge accounting can and should be applied. a.s.r. currently applies hedge accounting for fair value hedges. </p>\n<div class=\"header header-4\">Fair value hedges </div>\n<p>a.s.r. applies fair value hedge accounting to portfolio hedges of interest rate risk (fair value macro hedging) under the EU \u2018carve out\u2019 of EU-IFRS. The EU \u2018carve out\u2019 macro hedging enables a group of derivatives (or proportions thereof) to be viewed in combination and jointly designated as the hedging instrument and removes some of the limitations in fair value hedge accounting. Under the EU \u2018carve out\u2019, ineffectiveness in fair value hedge accounting only arises when the revised projection of the amount of cash flows in scheduled time buckets falls below the designated amount of that bucket. a.s.r. applies fair value hedge accounting for portfolio hedges of interest rate risk (macro hedging) under the EU \u2018carve out\u2019 to mortgage loans. Changes in the fair value of the derivatives are recognised in the income statement, together with the fair value adjustment on the mortgage loans (hedged items) insofar as attributable to interest rate risk (the hedged risk). If the hedge relationship no longer meets the criteria for hedge accounting, the cumulative adjustment of the hedged item is, in the case of interest bearing instruments, amortised through the income statement over the remaining term of the original hedge or recognised directly when the hedged item is derecognised. </p>\n<p>Knab and Aegon hypotheken hold portfolios of long-term fixed rate mortgages and therefore are exposed to changes in fair value due to movements in market interest rates. Knab and Aegon hypotheken manage this risk exposure by entering into pay fixed/receive floating interest rate swaps. </p>\n<p>Only the interest rate risk element is hedged and therefore other risks, such as credit risk, are managed but not hedged by Knab and Aegon hypotheken. This hedging strategy is applied to the portion of exposure that is not naturally offset against matching positions held by Knab and Aegon hypotheken. Changes in fair value of the long-term fixed rate mortgages arising from changes in interest rate are usually the largest component of the overall change in fair value. This strategy is designated as a fair value hedge and its effectiveness is assessed by comparing changes in the fair value of the loans attributable to changes in the benchmark rate of interest with changes in the fair value of the interest rate swaps. </p>\n<p>Knab and Aegon hypotheken establish the hedging ratio by matching the notional of the derivatives with the principal of the portfolio being hedged. Possible sources of ineffectiveness are as follows: </p><ul><li>\n<p>Differences between the expected and actual volume of prepayments, as Knab and Aegon hypotheken hedge to the expected repayment date taking into account expected prepayments based on past experience; </p></li><li>\n<p>Difference in the discounting between the hedged item and the hedging instrument, as cash collateralised interest rate swaps are discounted using Overnight Indexed Swaps (OIS) discount curves, which are not applied to the fixed rate mortgages; </p></li><li>\n<p>Hedging derivatives with a non-zero fair value at the date of initial designation as a hedging instrument; and </p></li><li>\n<p>Counterparty credit risk which impacts the fair value of uncollateralised interest rate swaps but not the hedged items. </p></li></ul>\n<p>Knab and Aegon hypotheken manage the interest rate risk arising from fixed rate mortgages by entering into interest rate swaps on a monthly basis. The exposure from these portfolios frequently changes due to new loans originated, contractual repayments and early prepayments made by customers in each period. As a result, Knab and Aegon hypotheken adopt a dynamic hedging strategy (sometime referred to as a \u2018macro\u2019 or \u2018portfolio\u2019 hedge) to hedge the exposure profile by closing and entering into new swap agreements at each month-end. Knab and Aegon hypotheken use the portfolio fair value hedge of interest rate risk to recognise fair value changes related to changes in interest rate risk in the mortgage portfolio, and therefore reduce the profit or loss volatility that would\u00a0 otherwise arise from changes in fair value of the interest rate swaps alone. </p>\n<div class=\"header header-2\">Accrued interest </div>\n<p>In line with Solvency II reporting a.s.r. accounts for debt instruments at their \u201cdirty\u201d fair value, thus including any related accrued interest. </p>\n<div class=\"header header-2\">Business model assessment </div>\n<p>The business model is determined at a level that reflects how groups of financial assets are managed together to achieve a particular business objective. a.s.r.\u2019s business models refer to how a.s.r. manages its financial assets in order to generate cash flows. </p>\n<p>a.s.r. identifies the business model Hold to Collect for the mortgage loans and private loans held by Knab and Aegon hypotheken and for its other financial assets, and identifies the business model Held to Collect &amp; Sell for the bonds portfolio held by Knab. All other debt instruments are mandatorily designated as at FVTPL (business model Other). </p>\n<div class=\"header header-2\">Assessment whether contractual cash flows are solely payments of principal and interest (SPPI) </div>\n<p>For the purpose of this assessment, principal is defined as the fair value of the financial asset on initial recognition. However, the principal may change over time \u2013 e.g. if there are repayments of principal. </p>\n<p>Interest is defined as consideration for the time value of money, for the credit risk associated with the principal amount outstanding during a particular period of time and for other basic lending risks (e.g. liquidity risk) and costs (e.g. administrative costs), as well as a profit margin that is consistent with a basic lending arrangement. Financial assets with embedded derivatives are considered in their entirety when determining whether their cash flows are SPPI. </p>\n<p>a.s.r. assesses the SPPI for the loans and bonds portfolio held by Knab and Aegon hypotheken and for its other financial assets. All other debt instruments are mandatorily designated as at FVTPL (business model Other). </p>\n<div class=\"header header-2\">Subsequent measurement and gains and losses </div>\n<div class=\"header header-3\">Financial assets at amortised cost </div>\n<p>Financial assets at amortised cost are measured at amortised cost using the effective interest method. Interest income, foreign exchange gains and losses and impairment are recognised in profit or loss. Any gain or loss on derecognition is also recognised in profit or loss. </p>\n<div class=\"header header-3\">Financial assets at FVOCI </div>\n<p>Equity investments at FVOCI are measured at fair value. All fair value gains and losses are recorded in OCI, without recycling to profit or loss. Dividends from such investments continue to be recognised in profit or loss as Investment income when a.s.r.\u2019s right to receive payments is established. Impairment requirements are not applicable to equity investments measured as FVOCI. </p>\n<div class=\"header header-3\">Financial assets at FVTPL </div>\n<p>Financial assets at FVTPL are measured at fair value. Net gains and losses, including any interest or dividend income and foreign exchange gains and losses, are recognised in profit or loss. Impairment requirements are not applicable to financial assets measured at FVTPL. </p>\n<p>See accounting policy <a href=\"#n1286848\" title=\"V3. Investment income\">V3</a>. </p>\n<div class=\"header header-2\">Financial liabilities </div>\n<div class=\"header header-2\">Classification </div>\n<p>a.s.r. classifies its liabilities into one of the following categories: </p><ul><li>\n<p>financial liabilities at FVTPL (derivatives); or </p></li><li>\n<p>financial liabilities at amortised cost (all other financial liabilities). </p></li></ul>\n<div class=\"header header-2\">Subsequent measurement and gains and losses </div>\n<div class=\"header header-3\">Financial liabilities at FVTPL </div>\n<p>Financial liabilities at FVTPL are measured at fair value. Net gains and losses, including any interest expenses and foreign exchange gains and losses, are recognised in profit or loss. </p>\n<div class=\"header header-3\">Financial liabilities at amortised cost </div>\n<p>Financial liabilities at amortised cost are measured at amortised cost using the effective interest method. Interest expenses, foreign exchange gains and losses are recognised in profit or loss. Any gain or loss on derecognition is also recognised in profit or loss. </p>\n<div class=\"header header-2\">Accrued interest </div>\n<p>In line with Solvency II reporting a.s.r. accounts for financial liabilities at their \u201cdirty\u201d fair value, thus including any related accrued interest. </p>\n<div class=\"header header-2\">Interest on financial liabilities </div>\n<p>Interest expenses are calculated by applying the effective interest rate to the amortised cost of the liability. When calculating the effective interest rate, a.s.r. estimates future cash flows considering all contractual terms of the liability. </p>\n<div class=\"header header-2\">Derivatives including embedded derivatives </div>\n<p>Derivatives within the insurance entities are primarily used by a.s.r. for hedging interest rate and exchange rate risks, for hedging future transactions and the exposure to market risks. </p>\n<p>These derivatives are classified as held-for-trading. Derivatives are measured at fair value with changes in fair value recognised in profit or loss. Derivatives may be embedded in another contractual arrangement (a host contract). </p>\n<p>For contracts where the host contract is a financial asset in the scope of IFRS 9, the hybrid financial instrument as a whole is assessed for classification and the embedded derivative is not separated from the host contract. </p>\n<p>A derivative embedded in a host insurance or reinsurance contract is not accounted for separately from the host contract if the embedded derivate itself meets the definition of an insurance or reinsurance contract. </p>\n<p>For other contracts, a.s.r. accounts for an embedded derivative separately from the host contract when: </p><ul><li>\n<p>the hybrid contract is not measured at FVTPL; </p></li><li>\n<p>the terms of the embedded derivative would have met the definition of a derivative if they were contained in a separate contract; and </p></li><li>\n<p>the economic characteristics and risks of the embedded derivative are not closely related to those of the host contract. </p></li></ul>\n<div class=\"header header-2\">Impairments in the P&amp;L </div>\n<p>a.s.r. recognises loss allowances for ECL on debt instruments measured at amortised cost or FVOCI. a.s.r. uses the low credit risk simplification for investment grade debt instruments and recognises a lifetime ECL for other financial assets using the simplified approach. Lifetime ECL are the ECL that result from all possible default events over the expected life of a financial instrument. </p>\n<p>ECLs are a probability-weighted estimate of credit losses. Credit losses are measured as the present value of all cash shortfalls (i.e. the difference between the cash flows due to a.s.r. in accordance with the contract and the cash flows that a.s.r. expects to receive). The maximum period considered when estimating ECLs is the maximum contractual period over which a.s.r. is exposed to credit risk. </p>\n<div class=\"header header-3\">Write-off </div>\n<p>The gross carrying amount of a financial asset is written off (either partially or in full) to the extent that there is no realistic prospect of recovery. This is generally the case when a.s.r. determines that the borrower does not have assets or resources of income that could generate sufficient cash flows to repay the amounts subject to the write-off. However, financial assets that are written off could still be subject to enforcement activities in order to comply with a.s.r.\u2019s procedures for recovery of amounts due. Should amounts be recovered these are then recognised when the payment has been received. </p>\n<div class=\"header header-2\">Derecognition and contract modification </div>\n<div class=\"header header-2\">Financial assets </div>\n<p>a.s.r. derecognises a financial asset when the contractual rights to the cash flows from the financial asset expire, or it transfers the rights to receive the contractual cash flows in a transaction in which substantially all of the risks and rewards of ownership of the financial asset are transferred or in which a.s.r. neither transfers nor retains substantially all of the risks and rewards of ownership and it does not retain control of the financial asset. </p>\n<p>On derecognition of a financial asset, the difference between the carrying amount at the date of derecognition and the consideration received (including any new asset obtained less any new liability assumed) is recognised in the income statement, unless the financial asset is an equity instrument and is measured at fair value through other comprehensive income. For these instruments any revaluation amount is transferred within equity from unrealised gains and losses to retained earnings. </p>\n<p>a.s.r. enters into transactions whereby it transfers assets recognised in its balance sheet, but retains either all or substantially all of the risks and rewards of the transferred assets. In these cases, the transferred assets are not derecognised. Examples of such transactions are repurchase agreements, securities lending and reverse repurchase agreements. The asset recognised for cash collateral paid on reverse repurchase agreements is presented under investments. The liability recognised for cash collateral received on repurchase agreements is presented under the line item due to banks. </p>\n<p>In transactions in which a.s.r. neither retains nor transfers substantially all of the risks and rewards of ownership of a financial asset and it retains control over the asset, a.s.r. continues to recognise the asset to the extent of its continuing involvement, determined by the extent to which it is exposed to changes in the value of the transferred asset. </p>\n<p>If the terms of a financial asset are modified, then a.s.r. evaluates whether the cash flows of the modified asset are substantially different. If the cash flows are substantially different, then the contractual rights to cash flows from the original financial asset are deemed to have expired. In this case, the original financial asset is derecognised and a new financial asset is recognised at fair value. </p>\n<p>If a financial asset measured at amortised cost is modified but not substantially, then the financial asset is not derecognised. If the asset has not been derecognised, then a.s.r. recalculates the gross carrying amount of the financial asset by discounting the modified contractual cash flows at the original effective interest rate and recognises the resulting adjustment to the gross carrying amount as a modification gain or loss in profit or loss. If such a modification is carried out because of financial difficulties of the borrower, then the gain or loss is presented together with impairment losses; in other cases, it is presented as interest revenue. </p>\n<div class=\"header header-2\">Financial liabilities </div>\n<p>a.s.r. generally derecognises a financial liability when its contractual obligations expire or are discharged or cancelled. a.s.r. also derecognises a financial liability when its terms are modified and the cash flows of the modified liability are substantially different (i.e. the net present value of the of the cash flows under the new terms discounted at the original effective interest rate is at least 10% different from the discounted present value of the remaining cash flows of the original debt instrument), in which case a new financial liability based on the modified terms is recognised at fair value. </p>\n<p>On derecognition of a financial liability, the difference between the carrying amount extinguished and the consideration paid (including any non-cash assets transferred or liabilities assumed) is recognised in profit or loss. </p>\n<p>If a financial liability measured at amortised cost is not substantially modified, then it is not derecognised. For such financial liabilities, a.s.r. recalculates the amortised cost of the financial liability by discounting the modified contractual cash flows at the original effective interest rate and recognises any resulting adjustment to the amortised cost as a modification gain or loss in \u2018other finance expenses\u2019 in profit or loss. Any costs and fees incurred adjust the carrying amount of the liability and are amortised over the remaining term of the modified liability. </p>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForTradeAndOtherReceivablesExplanatory",
    "language": "en",
    "entity": "scheme:7245000G0HS48PZWUD53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "ixv-570": {
   "value": "\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n1286397\"><span class=\"title-text\">F1. Insurance contracts </span></h1>\n<div class=\"header header-2\">Classification </div>\n<p>Insurance contracts issued by a.s.r. are contracts that transfer significant insurance risks, and in some cases also financial risk, from the policyholder to a.s.r. Contracts measured using the GMM or PAA are classified on the balance sheet as insurance contract liabilities and contracts measured using the VFA are classified as liabilities arising from direct participating insurance contracts. </p>\n<p>a.s.r. offers non-life insurance contracts and life insurance contracts as shown in the table below. </p>\n<h3 class=\"table-title\">Measurement model applied </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:21%;\"/><col style=\"width:32%;\"/><col style=\"width:47%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:middle;\"><b>Segment </b></th><th class=\"startCol-2 endCol-2 valign-middle border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:middle;\"><b>Product </b></th><th class=\"startCol-3 endCol-3 valign-middle border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:middle;\"><b>Measurement model applied </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Non-life </td><td class=\"startCol-2 endCol-2 valign-bottom border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">P&amp;C </td><td class=\"startCol-3 endCol-3 valign-bottom border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">GMM or PAA </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-bottom border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Disability </td><td class=\"startCol-3 endCol-3 valign-bottom border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">GMM </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-bottom border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Health </td><td class=\"startCol-3 endCol-3 valign-bottom border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">PAA </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Life </td><td class=\"startCol-2 endCol-2 valign-bottom border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Life individual </td><td class=\"startCol-3 endCol-3 valign-bottom border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">GMM or VFA </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-bottom border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Pension </td><td class=\"startCol-3 endCol-3 valign-bottom border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">GMM or VFA </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-bottom border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Funeral </td><td class=\"startCol-3 endCol-3 valign-bottom border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">GMM </td></tr></tbody></table> <br/>\n<div class=\"header header-2\">Insurance contract liabilities </div>\n<div class=\"header header-3\">Non-life insurance contracts </div>\n<p>Non-life insurance contracts are contracts that provide cover that is not related to the life or death of insured persons. These insurance contracts are primarily classified into the following categories: Disability, Health, P&amp;C (motor, fire and liability). </p>\n<div class=\"header header-3\">Life insurance contracts </div>\n<p>The segment Life includes: annuities, term insurance policies, savings contracts and funeral insurance contracts. In addition to non-participating life insurance contracts, the insurance portfolio also includes: </p><ul><li>\n<p>Individual and group participating contracts; </p></li><li>\n<p>Individual contracts with discretionary participation features; </p></li><li>\n<p>Group contracts with segregated pools with returns based on investment guarantees. </p></li></ul>\n<p>Life insurance contracts with participation features are included within the Life segment. Under these contracts, policyholders are assigned, in addition to their entitlement to a guaranteed element, an entitlement to potentially significant additional benefits whose amount or timing is contractually at the discretion of a.s.r. These additional benefits are based on the performance of a specified pool of investments held by a.s.r. or on the issuer\u2019s operational result. </p>\n<div class=\"header header-3\">Liabilities arising from direct participating insurance contracts. </div>\n<p>a.s.r. classifies an insurance contract as a direct participating contract for which at inception the following criteria are met: </p><ul><li>\n<p>the contractual terms specify that the policyholder participates in a share of a clearly identified pool of underlying items; </p></li><li>\n<p>a.s.r. expects to pay the policyholder an amount equal to a substantial share of the fair value returns on the underlying items; and </p></li><li>\n<p>a.s.r. expects a substantial proportion of any change in the amounts to be paid to the policy holder to vary with the change in the fair value of the underlying items. </p></li></ul>\n<p>Life insurance contracts with direct participating features are included within the Life segment and mainly concern unit-linked contracts and group pension contracts, with policyholders bearing the investment risk. An investment unit is a share in an investment fund that a.s.r. acquires on behalf of the policyholders using net premiums paid by the policyholders. The cash flow upon maturity of the contract is equal to the value of the investment units of the fund in question. </p>\n<p>Contracts that meet the requirements of a direct participating contract are measured using the variable fee approach. </p>\n<div class=\"header header-2\">Separating components </div>\n<p>Currently a.s.r. does not separate any components from its insurance contracts. </p>\n<p>Non-distinct investment components are identified for products where under all circumstances a payment will be made to the policyholder. These are generally recognised for GMM as the surrender value of the funeral insurance and as the savings account related to the mortgage savings insurance. For VFA policies the non-distinct investment component is the investment fund value and if applicable determined gross or net of surrender charges depending on product type. </p>\n<div class=\"header header-2\">Level of aggregation </div>\n<p>Insurance contracts are aggregated into groups for measurement purposes. a.s.r. identifies portfolios of insurance contracts comprising contracts subject to similar risks and managed together. Each portfolio is then divided into cohorts of contracts issued within a maximum of one year and divided into two groups based on the profitability buckets for: </p><ul><li>\n<p>any contracts that are onerous on initial recognition; and </p></li><li>\n<p>any remaining contracts in the portfolio. </p></li></ul>\n<p>The profitability bucket for contracts that have no significant possibility of becoming onerous subsequently is currently not used by a.s.r. </p>\n<p>Similar risks managed together are generally based on the homogeneous risk groups similar to those used in Solvency II at inception, more or less granularity is applied where applicable. Contracts within a portfolio that would fall into different groups only because law or regulation specifically constraints a.s.r.\u2019s practical ability to set a different price or level of benefits for policyholders with different characteristics are included in the same group. This applies to contracts issued in Europe that are required by EU regulation to be priced on a gender-neutral basis. </p>\n<p>The resulting groups represent the level at which the recognition and measurement accounting policies are applied. The groups are established on initial recognition and their composition is not subsequently reassessed. </p>\n<p>Whether a contract is onerous or not is a policy (test) which is set per business. Part of this policy will be pricing and thresholds and forward looking metrics available within a.s.r. The test is performed based on the contracts which are issued in any specific calendar year and are grouped according to the similar risks managed together criteria as described above. The test is generally performed on a set of contracts using reasonable and supportable information, considering that the outcome would be the same had the individual policy assessment been performed. </p>\n<div class=\"header header-2\">Recognition </div>\n<p>a.s.r. recognises a group of insurance contracts issued from the earliest of: </p><ul><li>\n<p>the beginning of the coverage period of the group of contracts. The coverage period is the period during which a.s.r. provides services (insurance services, investment-return services or investment-related services) in respect of all premiums within the boundary of the insurance contract; </p></li><li>\n<p>the date when the first payment from a policyholder in the group becomes due. If there is no contractual due date, then it is considered to be the date when the first payment is received from the policyholder; or </p></li><li>\n<p>the date when facts and circumstances indicate that the contract is onerous. </p></li></ul>\n<p>Insurance contracts acquired in a (portfolio) transfer or a business combination are recognised on the date of acquisition. </p>\n<p>When the contract is recognised, it is added to an existing group of contracts or, if the contract does not qualify for inclusion in an existing group, it forms a new group to which future contracts can be added. Groups of contracts are established on initial recognition and their composition is not revised once all contracts have been added to the group. </p>\n<div class=\"header header-2\">Contract boundaries </div>\n<p>The measurement of a group of contracts includes all of the future cash flows within the boundary of each contract in the group. Cash flows are within the boundary of a contract if they arise from substantive rights and obligations that exist during the reporting period under which a.s.r. can compel the policyholder to pay premiums or has a substantive obligation to provide services. </p>\n<p>A substantive obligation to provide services ends when: </p><ul><li>\n<p>a.s.r. has the practical ability to reassess the risks of the particular policyholder and can set a price or level of benefits that fully reflects those reassessed risks; or </p></li><li>\n<p>a.s.r. has the practical ability to reassess the risks of the portfolio that contains the contract and can set a price or level of benefits that fully reflects the risks of that portfolio; and the pricing of the premiums for coverage up to the reassessment date does not consider risks that relate to periods after the reassessment date. </p></li></ul>\n<p>For individual contracts with discretionary features the contract boundary is defined so that cash flows are within the contract boundary if they result from a substantive obligation of a.s.r. to deliver cash at a present or future date. </p>\n<p>The contract boundary is reassessed at each reporting period and more frequently if and when product characteristics and/or conditions fundamentally change and, therefore, may change over time. </p>\n<div class=\"header header-2\">Measurement </div>\n<p>a.s.r. uses the following measurement models: </p><ul><li>\n<p>the general measurement model (GMM); </p></li><li>\n<p>the variable fee approach (VFA) for contracts with a direct participating feature; and </p></li><li>\n<p>the premium allocation approach (PAA) which is a simplified version of the GMM and is used mainly for short-duration contracts. </p></li></ul>\n<div class=\"header header-2\">Measurement \u2013 contracts measured under the GMM </div>\n<div class=\"header header-3\">Initial measurement </div>\n<p>On initial recognition, a.s.r. measures a group of insurance contracts as the total of: </p><ul><li>\n<p>the fulfilment cash flows, which comprise estimates of future cash flows, adjusted to reflect the time value of money and the associated financial risk and the risk adjustment for non-financial risk (RA); and </p></li><li>\n<p>the CSM. </p></li></ul>\n<p>The measurement of the fulfilment cash flows of a group of insurance contracts does not reflect non-performance risk of a.s.r. It is the net present value of the projected cash flows of benefits and expenses, less the net present value of premiums, adjusted for the risk adjustment. These cash flows are estimated using realistic, \u201cbest estimate\u201d, assumptions in relation to mortality, longevity, disability, lapse rate, expense and inflation. The best estimate assumptions regarding mortality and longevity include recent trend assumptions for life expectancy in the Netherlands, as provided by the Dutch Actuarial Association. The best estimate includes the intrinsic value and the time value of options and guarantees (TVOG: Time Value of Financial Options and Guarantees) and is calculated using stochastic techniques. </p>\n<p>Where applicable, the direct or discretionary participating features of the insurance contracts, such as profit sharing, and any guaranteed benefits at maturity are considered in the future cash flows. The cash flows are discounted using the base curve being the Solvency II curve (including the VA), published by EIOPA excluding the UFR of 3,45% in 2023 (2022: 3.45%). a.s.r. uses an UFR of 3,40% in 2023 (2022: 3.45%) for the construction of the curve from the first smoothing point (FSP). </p>\n<p>Insurance pre-acquisition cash flows that a.s.r. pays before the related group of contracts is recognised (i.e. for renewals of insurance contracts or insurance contracts recognised in the following period), are presented as an asset under the insurance contract liabilities. When the group of contracts is recognised, these cash flows are included by way of expected acquisition cash flows in the measurement of the group and the previously recognised asset is transferred and included as part of expected acquisition cash flows initially recognised in the insurance liability. The insurance pre-acquisition cash flow asset is reassessed for a possible impairment trigger at each reporting date. </p>\n<p>The risk adjustment for a group of insurance contracts is the compensation required for bearing uncertainty about the amount and timing of the cash flows that arises from non-financial risk. </p>\n<p>a.s.r. disaggregates changes in the risk adjustment for non-financial risk between the insurance service result and insurance finance income or expenses. See chapter <a href=\"#n1288854\" title=\"Assumptions used\">7.5.13.3</a>. </p>\n<p>The CSM of a group of insurance contracts represents the unearned profit that a.s.r. will recognise as it provides service under those contracts. On initial recognition of a group of insurance contracts, if the total fulfilment cash flows allocated to the contract, any previously recognised insurance acquisition cash flows and any cash flows arising from the contract at the date of initial recognition is a net inflow, then the group is not onerous. In this case, the CSM is measured as the equal and opposite amount of the net inflow, which results in no income or expenses arising on initial recognition. </p>\n<p>For groups of contracts acquired, the consideration received for the contracts is included in the fulfilment cash flows as a proxy for the premiums received at the date of acquisition. For business combinations see accounting policy I. </p>\n<p>If the total of the fulfilment cash flows is a net outflow, then the group is onerous. In this case, the net outflow is recognised as a loss in the income statement, or as an adjustment to goodwill or a gain on a bargain purchase if the contracts are acquired in a business combination. A loss component is created as part of the insurance liabilities to depict any losses recognised in the income statement, which determines the amounts that are subsequently presented in the income statement as reversals of losses on onerous groups. </p>\n<div class=\"header header-3\">Subsequent measurement </div>\n<p>The carrying amount of a group of insurance contract liabilities at each reporting date is the sum of the liability for remaining coverage and the liability for incurred claims. The liability for remaining coverage comprises: </p><ul><li>\n<p>the fulfilment cash flows that relate to services that will be provided under the contracts in future periods including the risk adjustment; and </p></li><li>\n<p>any remaining CSM at that date. </p></li></ul>\n<p>The liability for incurred claims comprises the fulfilment cash flows for incurred claims and attributable expenses that have not yet been paid, including claims that have been incurred but not yet reported, and the handling of the payments to policyholders. For the contracts in the Non-life segment this concerns all future payments related to the incurred claim (the LIC option), whereas for contracts in the Life segment this concerns the amounts payable for the period (LRC option). </p>\n<p>The fulfilment cash flows of groups of insurance contracts are measured at the reporting date using current estimates of future cash flows, current discount rates and current estimates of the risk adjustment for non-financial risk. Changes in fulfilment cash flows are recognised as follows: </p><ul><li>\n<p>Changes relating to future services are adjusted against the CSM (or recognised in the insurance service result in profit or loss if the group is onerous); </p></li><li>\n<p>Changes relating to current or past services are recognised in the insurance service result in the income statement; </p></li><li>\n<p>Effects of the time value of money, financial risk and changes therein on estimated future cash flows and risk adjustment for non-financial risk are recognised as insurance finance income or expenses. </p></li></ul>\n<p>The CSM of each group of contracts is subsequently calculated at each reporting date. </p>\n<p>The carrying amount of the CSM at the end of each reporting period is the carrying amount at the start of the reporting period, adjusted for: </p><ul><li>\n<p>The CSM of any new contracts that are added to the group in the period; </p></li><li>\n<p>Interest accreted on the carrying amount of the CSM during the period, measured at the discount rates on nominal cash flows that do not vary based on the returns on any underlying items determined on initial recognition; </p></li><li>\n<p>Changes in fulfilment cash flows that relate to future services, except to the extent that: </p><ul><li>\n<p>Any increases in the fulfilment cash flows exceed the carrying amount of the CSM, in which case the excess is recognised as a loss in the income statement and creates a loss component; or </p></li><li>\n<p>Any decreases in the fulfilment cash flows are allocated to the loss component, reversing losses previously recognised in profit or loss; and </p></li></ul></li><li>\n<p>The amount recognised as insurance contract revenue due to the services provided in the period. </p></li></ul>\n<p>Changes in fulfilment cash flows that relate to future services comprise: </p><ul><li>\n<p>Experience adjustments arising from premiums received in the period that relate to future services and related cash flows, measured at the discount rates determined on initial recognition and non-distinct investment components; </p></li><li>\n<p>Changes in estimates of the present value of future cash flows in the liability for remaining coverage, measured at the discount rates determined on initial recognition, except for those that relate to the effects of the time value of money, financial risk and changes therein; and </p></li><li>\n<p>Changes in the risk adjustment for non-financial risk that relate to future services. </p></li></ul>\n<p>CSM is recognised as revenue following the services provided. This is generally on a straight-line basis over the expected coverage period (taking into account contract terms and lapse assumptions) on an individual insurance contract basis. </p>\n<p>Changes in discretionary cash flows are regarded as relating to future services and accordingly adjust the CSM. a.s.r. allocates the CSM to each period based on the passage of time as the service (insurance services and investment-return services) is deemed to be delivered equally over the coverage period. </p>\n<p>To determine whether changes in cash flows are deemed to be changes in discretionary cash flows, a.s.r. exercises judgement in specifying at inception what is regarded as their commitment under the contract. How a.s.r. specifies its commitment under the contract will determine how much of the changes in expected future cash flows will be reflected immediately in profit or loss or will adjust CSM. </p>\n<div class=\"header header-2\">Measurement \u2013 contracts measured under the VFA </div>\n<p>The VFA measurement model is used for direct participating contracts. This measurement model is identical to the GMM at initial recognition, however, subsequent measurement differs from the GMM. </p>\n<p>Direct participating insurance contracts are contracts under which a.s.r.\u2019s obligation to the policyholder is the net of: </p><ul><li>\n<p>The obligation to pay the policyholder an amount equal to the fair value of the underlying items; and </p></li><li>\n<p>A variable fee in exchange for future services provided by the contracts, being a.s.r.\u2019s share of the fair value of the underlying items less fulfilment cash flows that do not vary based on the returns on underlying items. a.s.r. provides investment-related services under these contracts by promising an investment return based on underlying items, in addition to insurance coverage. </p></li></ul>\n<p>When measuring a group of direct participating contracts, a.s.r. adjusts the fulfilment cash flows for the whole of the changes in the obligation to pay policyholders an amount equal to the fair value of the underlying items. These changes do not relate to future services and are recognised in the income statement. a.s.r. then adjusts any CSM for changes in the a.s.r.\u2019s share of the fair value of the underlying items, which relates to future services, as explained below. </p>\n<div class=\"header header-3\">Subsequent measurement </div>\n<p>The carrying amount of the CSM at the end of each reporting period is the carrying amount at the start of the reporting period, adjusted for: </p><ul><li>\n<p>The CSM of any new contracts that are added to the group in the period; </p></li><li>\n<p>a.s.r.\u2019s share of the change in the fair value of the underlying items and changes in fulfilment cash flows that relate to future services, except to the extent that: </p><ul><li>\n<p>a.s.r. has chosen to exclude from the CSM changes in the effect of financial risk on its share of the underlying items; </p></li><li>\n<p>a.s.r.\u2019s share of a decrease in the fair value of the underlying items, or an increase in the fulfilment cash flows that relate to future services, exceeds the carrying amount of the CSM, giving rise to a loss in the income statement (included in insurance service expenses) and creating a loss component; or </p></li><li>\n<p>a.s.r.\u2019s share of an increase in the fair value of the underlying items, or a decrease in the fulfilment cash flows that relate to future services, is allocated to the loss component, reversing losses previously recognised in the income statement (included in insurance service expenses); and </p></li></ul></li><li>\n<p>The amount recognised as insurance contract revenue because of the services provided in the period. </p></li></ul>\n<p>Changes in fulfilment cash flows that relate to future services include the changes relating to future services specified above for contracts with direct participation features (measured at current discount rates) , the effect of the time value of money and financial risks and the risk mitigation option where applicable. </p>\n<p>CSM is recognised as insurance contract revenue following the services provided. This is generally on a straight-line basis over the expected coverage period (taking into account contract terms and lapse assumptions) on an individual insurance contract basis. </p>\n<p>a.s.r. allocates the CSM to each period based on the passage of time as the investment-related services provided in relation to the investment component and the insurance services provided in relation to the insurance component are deemed to be delivered equally over the coverage period. </p>\n<div class=\"header header-3\">Risk mitigation </div>\n<p>a.s.r. has chosen to apply the risk mitigation option to certain VFA contracts, thereby not recognising a change in the CSM to reflect some or all of the changes in the effect of the time value of money and financial risk (that would normally adjust the CSM) on: </p><ul><li>\n<p>The amount of a.s.r.\u2019s share of the underlying items if a.s.r. mitigates the effect of financial risk on that amount using derivatives or reinsurance contracts held; and </p></li><li>\n<p>The fulfilment cash flows if a.s.r. mitigates the effect of financial risk on those fulfilment cash flows using derivatives, non-derivative financial instruments measured at FVTPL, or reinsurance contracts held. </p></li></ul>\n<p>If a.s.r. mitigates the effect of financial risk using derivatives or non-derivative financial instruments measured at FVTPL, it shall include insurance finance income or expenses for the period arising from the application of the risk mitigation in profit or loss. </p>\n<p>If a.s.r. mitigates the effect of financial risk using reinsurance contracts held, it shall apply the same accounting policy for the presentation of insurance finance income or expenses arising from the application of the risk mitigation as a.s.r. applies to other reinsurance contracts held. a.s.r. does not currently use reinsurance as a hedge instrument dedicated to financial risks. </p>\n<div class=\"header header-2\">Measurement \u2013 contracts measured under the PAA </div>\n<p>The PAA simplifies the measurement of groups of contracts when: </p><ul><li>\n<p>the coverage period of each contract in the group of contracts is one year or less; or </p></li><li>\n<p>a.s.r. expects that the resulting measurement would not differ materially from the result of applying the GMM. </p></li></ul>\n<div class=\"header header-3\">Initial measurement </div>\n<p>On initial recognition of each group of contracts, the carrying amount of the liability for remaining coverage is measured at the premiums received on initial recognition. Insurance acquisition cash flows are recognised as expenses when they are incurred making use of the option under IFRS 17. The risk adjustment is an implicit part of the valuation of the related liability. </p>\n<div class=\"header header-3\">Subsequent measurement. </div>\n<p>Subsequently, the carrying amount of the liability for remaining coverage is increased by any premiums received and decreased by the amount recognised as insurance contract revenue for coverage provided. This is recognised over the coverage period based on the passage of time. </p>\n<p>If at any time during the coverage period, facts and circumstances indicate that a group of contracts is onerous, then a.s.r. recognises a loss in the income statement and increases the liability for remaining coverage to the extent that the current estimates of the fulfilment cash flows that relate to remaining coverage (including the risk adjustment for non-financial risk) exceed the carrying amount of the liability for remaining coverage. </p>\n<p>a.s.r. recognises the liability for incurred claims of a group of insurance contracts at the amount of the fulfilment cash flows relating to incurred claims, including a risk adjustment for non-financial risk. The fulfilment cash flows are discounted at current rates. </p>\n<div class=\"header header-2\">Derecognition and contract modification </div>\n<p>a.s.r. derecognises a contract when it is extinguished \u2013 i.e. when the specified obligations in the contract expire or are discharged or cancelled. </p>\n<p>a.s.r. also derecognises a contract if its terms are modified in a way that would have changed the accounting for the contract significantly had the new terms always existed, in which case a new contract based on the modified terms is recognised. If a contract modification does not result in derecognition, then a.s.r. treats the changes in cash flows caused by the modifications as changes in estimates of fulfilment cash flows. </p>\n<p>On the derecognition of a contract from within a group of contracts: </p><ul><li>\n<p>The fulfilment cash flows allocated to the group are adjusted to eliminate the present value of the future cash flows and risk adjustment for non-financial risk relating to the rights and obligations that have been derecognised from the group; and </p></li><li>\n<p>The CSM of the group is adjusted for the change in fulfilment cash flows. </p></li></ul>\n<p>If a contract is derecognised because its terms are substantially modified, then the CSM is also adjusted for the premium that would have been charged had a.s.r. entered into a contract with the new contract\u2019s terms at the date of modification, less any additional premium charged for the modification. The new contract recognised is measured assuming that, at the date of modification, the issuer received the premium that it would have charged less any additional premium charged for the modification. </p>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForDeferredAcquisitionCostsArisingFromInsuranceContractsExplanatory",
    "language": "en",
    "entity": "scheme:7245000G0HS48PZWUD53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "ixv-571": {
   "value": "\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n1286397\"><span class=\"title-text\">F1. Insurance contracts </span></h1>\n<div class=\"header header-2\">Classification </div>\n<p>Insurance contracts issued by a.s.r. are contracts that transfer significant insurance risks, and in some cases also financial risk, from the policyholder to a.s.r. Contracts measured using the GMM or PAA are classified on the balance sheet as insurance contract liabilities and contracts measured using the VFA are classified as liabilities arising from direct participating insurance contracts. </p>\n<p>a.s.r. offers non-life insurance contracts and life insurance contracts as shown in the table below. </p>\n<h3 class=\"table-title\">Measurement model applied </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:21%;\"/><col style=\"width:32%;\"/><col style=\"width:47%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:middle;\"><b>Segment </b></th><th class=\"startCol-2 endCol-2 valign-middle border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:middle;\"><b>Product </b></th><th class=\"startCol-3 endCol-3 valign-middle border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:middle;\"><b>Measurement model applied </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Non-life </td><td class=\"startCol-2 endCol-2 valign-bottom border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">P&amp;C </td><td class=\"startCol-3 endCol-3 valign-bottom border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">GMM or PAA </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-bottom border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Disability </td><td class=\"startCol-3 endCol-3 valign-bottom border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">GMM </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-bottom border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Health </td><td class=\"startCol-3 endCol-3 valign-bottom border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">PAA </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Life </td><td class=\"startCol-2 endCol-2 valign-bottom border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Life individual </td><td class=\"startCol-3 endCol-3 valign-bottom border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">GMM or VFA </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-bottom border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Pension </td><td class=\"startCol-3 endCol-3 valign-bottom border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">GMM or VFA </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-bottom border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Funeral </td><td class=\"startCol-3 endCol-3 valign-bottom border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">GMM </td></tr></tbody></table> <br/>\n<div class=\"header header-2\">Insurance contract liabilities </div>\n<div class=\"header header-3\">Non-life insurance contracts </div>\n<p>Non-life insurance contracts are contracts that provide cover that is not related to the life or death of insured persons. These insurance contracts are primarily classified into the following categories: Disability, Health, P&amp;C (motor, fire and liability). </p>\n<div class=\"header header-3\">Life insurance contracts </div>\n<p>The segment Life includes: annuities, term insurance policies, savings contracts and funeral insurance contracts. In addition to non-participating life insurance contracts, the insurance portfolio also includes: </p><ul><li>\n<p>Individual and group participating contracts; </p></li><li>\n<p>Individual contracts with discretionary participation features; </p></li><li>\n<p>Group contracts with segregated pools with returns based on investment guarantees. </p></li></ul>\n<p>Life insurance contracts with participation features are included within the Life segment. Under these contracts, policyholders are assigned, in addition to their entitlement to a guaranteed element, an entitlement to potentially significant additional benefits whose amount or timing is contractually at the discretion of a.s.r. These additional benefits are based on the performance of a specified pool of investments held by a.s.r. or on the issuer\u2019s operational result. </p>\n<div class=\"header header-3\">Liabilities arising from direct participating insurance contracts. </div>\n<p>a.s.r. classifies an insurance contract as a direct participating contract for which at inception the following criteria are met: </p><ul><li>\n<p>the contractual terms specify that the policyholder participates in a share of a clearly identified pool of underlying items; </p></li><li>\n<p>a.s.r. expects to pay the policyholder an amount equal to a substantial share of the fair value returns on the underlying items; and </p></li><li>\n<p>a.s.r. expects a substantial proportion of any change in the amounts to be paid to the policy holder to vary with the change in the fair value of the underlying items. </p></li></ul>\n<p>Life insurance contracts with direct participating features are included within the Life segment and mainly concern unit-linked contracts and group pension contracts, with policyholders bearing the investment risk. An investment unit is a share in an investment fund that a.s.r. acquires on behalf of the policyholders using net premiums paid by the policyholders. The cash flow upon maturity of the contract is equal to the value of the investment units of the fund in question. </p>\n<p>Contracts that meet the requirements of a direct participating contract are measured using the variable fee approach. </p>\n<div class=\"header header-2\">Separating components </div>\n<p>Currently a.s.r. does not separate any components from its insurance contracts. </p>\n<p>Non-distinct investment components are identified for products where under all circumstances a payment will be made to the policyholder. These are generally recognised for GMM as the surrender value of the funeral insurance and as the savings account related to the mortgage savings insurance. For VFA policies the non-distinct investment component is the investment fund value and if applicable determined gross or net of surrender charges depending on product type. </p>\n<div class=\"header header-2\">Level of aggregation </div>\n<p>Insurance contracts are aggregated into groups for measurement purposes. a.s.r. identifies portfolios of insurance contracts comprising contracts subject to similar risks and managed together. Each portfolio is then divided into cohorts of contracts issued within a maximum of one year and divided into two groups based on the profitability buckets for: </p><ul><li>\n<p>any contracts that are onerous on initial recognition; and </p></li><li>\n<p>any remaining contracts in the portfolio. </p></li></ul>\n<p>The profitability bucket for contracts that have no significant possibility of becoming onerous subsequently is currently not used by a.s.r. </p>\n<p>Similar risks managed together are generally based on the homogeneous risk groups similar to those used in Solvency II at inception, more or less granularity is applied where applicable. Contracts within a portfolio that would fall into different groups only because law or regulation specifically constraints a.s.r.\u2019s practical ability to set a different price or level of benefits for policyholders with different characteristics are included in the same group. This applies to contracts issued in Europe that are required by EU regulation to be priced on a gender-neutral basis. </p>\n<p>The resulting groups represent the level at which the recognition and measurement accounting policies are applied. The groups are established on initial recognition and their composition is not subsequently reassessed. </p>\n<p>Whether a contract is onerous or not is a policy (test) which is set per business. Part of this policy will be pricing and thresholds and forward looking metrics available within a.s.r. The test is performed based on the contracts which are issued in any specific calendar year and are grouped according to the similar risks managed together criteria as described above. The test is generally performed on a set of contracts using reasonable and supportable information, considering that the outcome would be the same had the individual policy assessment been performed. </p>\n<div class=\"header header-2\">Recognition </div>\n<p>a.s.r. recognises a group of insurance contracts issued from the earliest of: </p><ul><li>\n<p>the beginning of the coverage period of the group of contracts. The coverage period is the period during which a.s.r. provides services (insurance services, investment-return services or investment-related services) in respect of all premiums within the boundary of the insurance contract; </p></li><li>\n<p>the date when the first payment from a policyholder in the group becomes due. If there is no contractual due date, then it is considered to be the date when the first payment is received from the policyholder; or </p></li><li>\n<p>the date when facts and circumstances indicate that the contract is onerous. </p></li></ul>\n<p>Insurance contracts acquired in a (portfolio) transfer or a business combination are recognised on the date of acquisition. </p>\n<p>When the contract is recognised, it is added to an existing group of contracts or, if the contract does not qualify for inclusion in an existing group, it forms a new group to which future contracts can be added. Groups of contracts are established on initial recognition and their composition is not revised once all contracts have been added to the group. </p>\n<div class=\"header header-2\">Contract boundaries </div>\n<p>The measurement of a group of contracts includes all of the future cash flows within the boundary of each contract in the group. Cash flows are within the boundary of a contract if they arise from substantive rights and obligations that exist during the reporting period under which a.s.r. can compel the policyholder to pay premiums or has a substantive obligation to provide services. </p>\n<p>A substantive obligation to provide services ends when: </p><ul><li>\n<p>a.s.r. has the practical ability to reassess the risks of the particular policyholder and can set a price or level of benefits that fully reflects those reassessed risks; or </p></li><li>\n<p>a.s.r. has the practical ability to reassess the risks of the portfolio that contains the contract and can set a price or level of benefits that fully reflects the risks of that portfolio; and the pricing of the premiums for coverage up to the reassessment date does not consider risks that relate to periods after the reassessment date. </p></li></ul>\n<p>For individual contracts with discretionary features the contract boundary is defined so that cash flows are within the contract boundary if they result from a substantive obligation of a.s.r. to deliver cash at a present or future date. </p>\n<p>The contract boundary is reassessed at each reporting period and more frequently if and when product characteristics and/or conditions fundamentally change and, therefore, may change over time. </p>\n<div class=\"header header-2\">Measurement </div>\n<p>a.s.r. uses the following measurement models: </p><ul><li>\n<p>the general measurement model (GMM); </p></li><li>\n<p>the variable fee approach (VFA) for contracts with a direct participating feature; and </p></li><li>\n<p>the premium allocation approach (PAA) which is a simplified version of the GMM and is used mainly for short-duration contracts. </p></li></ul>\n<div class=\"header header-2\">Measurement \u2013 contracts measured under the GMM </div>\n<div class=\"header header-3\">Initial measurement </div>\n<p>On initial recognition, a.s.r. measures a group of insurance contracts as the total of: </p><ul><li>\n<p>the fulfilment cash flows, which comprise estimates of future cash flows, adjusted to reflect the time value of money and the associated financial risk and the risk adjustment for non-financial risk (RA); and </p></li><li>\n<p>the CSM. </p></li></ul>\n<p>The measurement of the fulfilment cash flows of a group of insurance contracts does not reflect non-performance risk of a.s.r. It is the net present value of the projected cash flows of benefits and expenses, less the net present value of premiums, adjusted for the risk adjustment. These cash flows are estimated using realistic, \u201cbest estimate\u201d, assumptions in relation to mortality, longevity, disability, lapse rate, expense and inflation. The best estimate assumptions regarding mortality and longevity include recent trend assumptions for life expectancy in the Netherlands, as provided by the Dutch Actuarial Association. The best estimate includes the intrinsic value and the time value of options and guarantees (TVOG: Time Value of Financial Options and Guarantees) and is calculated using stochastic techniques. </p>\n<p>Where applicable, the direct or discretionary participating features of the insurance contracts, such as profit sharing, and any guaranteed benefits at maturity are considered in the future cash flows. The cash flows are discounted using the base curve being the Solvency II curve (including the VA), published by EIOPA excluding the UFR of 3,45% in 2023 (2022: 3.45%). a.s.r. uses an UFR of 3,40% in 2023 (2022: 3.45%) for the construction of the curve from the first smoothing point (FSP). </p>\n<p>Insurance pre-acquisition cash flows that a.s.r. pays before the related group of contracts is recognised (i.e. for renewals of insurance contracts or insurance contracts recognised in the following period), are presented as an asset under the insurance contract liabilities. When the group of contracts is recognised, these cash flows are included by way of expected acquisition cash flows in the measurement of the group and the previously recognised asset is transferred and included as part of expected acquisition cash flows initially recognised in the insurance liability. The insurance pre-acquisition cash flow asset is reassessed for a possible impairment trigger at each reporting date. </p>\n<p>The risk adjustment for a group of insurance contracts is the compensation required for bearing uncertainty about the amount and timing of the cash flows that arises from non-financial risk. </p>\n<p>a.s.r. disaggregates changes in the risk adjustment for non-financial risk between the insurance service result and insurance finance income or expenses. See chapter <a href=\"#n1288854\" title=\"Assumptions used\">7.5.13.3</a>. </p>\n<p>The CSM of a group of insurance contracts represents the unearned profit that a.s.r. will recognise as it provides service under those contracts. On initial recognition of a group of insurance contracts, if the total fulfilment cash flows allocated to the contract, any previously recognised insurance acquisition cash flows and any cash flows arising from the contract at the date of initial recognition is a net inflow, then the group is not onerous. In this case, the CSM is measured as the equal and opposite amount of the net inflow, which results in no income or expenses arising on initial recognition. </p>\n<p>For groups of contracts acquired, the consideration received for the contracts is included in the fulfilment cash flows as a proxy for the premiums received at the date of acquisition. For business combinations see accounting policy I. </p>\n<p>If the total of the fulfilment cash flows is a net outflow, then the group is onerous. In this case, the net outflow is recognised as a loss in the income statement, or as an adjustment to goodwill or a gain on a bargain purchase if the contracts are acquired in a business combination. A loss component is created as part of the insurance liabilities to depict any losses recognised in the income statement, which determines the amounts that are subsequently presented in the income statement as reversals of losses on onerous groups. </p>\n<div class=\"header header-3\">Subsequent measurement </div>\n<p>The carrying amount of a group of insurance contract liabilities at each reporting date is the sum of the liability for remaining coverage and the liability for incurred claims. The liability for remaining coverage comprises: </p><ul><li>\n<p>the fulfilment cash flows that relate to services that will be provided under the contracts in future periods including the risk adjustment; and </p></li><li>\n<p>any remaining CSM at that date. </p></li></ul>\n<p>The liability for incurred claims comprises the fulfilment cash flows for incurred claims and attributable expenses that have not yet been paid, including claims that have been incurred but not yet reported, and the handling of the payments to policyholders. For the contracts in the Non-life segment this concerns all future payments related to the incurred claim (the LIC option), whereas for contracts in the Life segment this concerns the amounts payable for the period (LRC option). </p>\n<p>The fulfilment cash flows of groups of insurance contracts are measured at the reporting date using current estimates of future cash flows, current discount rates and current estimates of the risk adjustment for non-financial risk. Changes in fulfilment cash flows are recognised as follows: </p><ul><li>\n<p>Changes relating to future services are adjusted against the CSM (or recognised in the insurance service result in profit or loss if the group is onerous); </p></li><li>\n<p>Changes relating to current or past services are recognised in the insurance service result in the income statement; </p></li><li>\n<p>Effects of the time value of money, financial risk and changes therein on estimated future cash flows and risk adjustment for non-financial risk are recognised as insurance finance income or expenses. </p></li></ul>\n<p>The CSM of each group of contracts is subsequently calculated at each reporting date. </p>\n<p>The carrying amount of the CSM at the end of each reporting period is the carrying amount at the start of the reporting period, adjusted for: </p><ul><li>\n<p>The CSM of any new contracts that are added to the group in the period; </p></li><li>\n<p>Interest accreted on the carrying amount of the CSM during the period, measured at the discount rates on nominal cash flows that do not vary based on the returns on any underlying items determined on initial recognition; </p></li><li>\n<p>Changes in fulfilment cash flows that relate to future services, except to the extent that: </p><ul><li>\n<p>Any increases in the fulfilment cash flows exceed the carrying amount of the CSM, in which case the excess is recognised as a loss in the income statement and creates a loss component; or </p></li><li>\n<p>Any decreases in the fulfilment cash flows are allocated to the loss component, reversing losses previously recognised in profit or loss; and </p></li></ul></li><li>\n<p>The amount recognised as insurance contract revenue due to the services provided in the period. </p></li></ul>\n<p>Changes in fulfilment cash flows that relate to future services comprise: </p><ul><li>\n<p>Experience adjustments arising from premiums received in the period that relate to future services and related cash flows, measured at the discount rates determined on initial recognition and non-distinct investment components; </p></li><li>\n<p>Changes in estimates of the present value of future cash flows in the liability for remaining coverage, measured at the discount rates determined on initial recognition, except for those that relate to the effects of the time value of money, financial risk and changes therein; and </p></li><li>\n<p>Changes in the risk adjustment for non-financial risk that relate to future services. </p></li></ul>\n<p>CSM is recognised as revenue following the services provided. This is generally on a straight-line basis over the expected coverage period (taking into account contract terms and lapse assumptions) on an individual insurance contract basis. </p>\n<p>Changes in discretionary cash flows are regarded as relating to future services and accordingly adjust the CSM. a.s.r. allocates the CSM to each period based on the passage of time as the service (insurance services and investment-return services) is deemed to be delivered equally over the coverage period. </p>\n<p>To determine whether changes in cash flows are deemed to be changes in discretionary cash flows, a.s.r. exercises judgement in specifying at inception what is regarded as their commitment under the contract. How a.s.r. specifies its commitment under the contract will determine how much of the changes in expected future cash flows will be reflected immediately in profit or loss or will adjust CSM. </p>\n<div class=\"header header-2\">Measurement \u2013 contracts measured under the VFA </div>\n<p>The VFA measurement model is used for direct participating contracts. This measurement model is identical to the GMM at initial recognition, however, subsequent measurement differs from the GMM. </p>\n<p>Direct participating insurance contracts are contracts under which a.s.r.\u2019s obligation to the policyholder is the net of: </p><ul><li>\n<p>The obligation to pay the policyholder an amount equal to the fair value of the underlying items; and </p></li><li>\n<p>A variable fee in exchange for future services provided by the contracts, being a.s.r.\u2019s share of the fair value of the underlying items less fulfilment cash flows that do not vary based on the returns on underlying items. a.s.r. provides investment-related services under these contracts by promising an investment return based on underlying items, in addition to insurance coverage. </p></li></ul>\n<p>When measuring a group of direct participating contracts, a.s.r. adjusts the fulfilment cash flows for the whole of the changes in the obligation to pay policyholders an amount equal to the fair value of the underlying items. These changes do not relate to future services and are recognised in the income statement. a.s.r. then adjusts any CSM for changes in the a.s.r.\u2019s share of the fair value of the underlying items, which relates to future services, as explained below. </p>\n<div class=\"header header-3\">Subsequent measurement </div>\n<p>The carrying amount of the CSM at the end of each reporting period is the carrying amount at the start of the reporting period, adjusted for: </p><ul><li>\n<p>The CSM of any new contracts that are added to the group in the period; </p></li><li>\n<p>a.s.r.\u2019s share of the change in the fair value of the underlying items and changes in fulfilment cash flows that relate to future services, except to the extent that: </p><ul><li>\n<p>a.s.r. has chosen to exclude from the CSM changes in the effect of financial risk on its share of the underlying items; </p></li><li>\n<p>a.s.r.\u2019s share of a decrease in the fair value of the underlying items, or an increase in the fulfilment cash flows that relate to future services, exceeds the carrying amount of the CSM, giving rise to a loss in the income statement (included in insurance service expenses) and creating a loss component; or </p></li><li>\n<p>a.s.r.\u2019s share of an increase in the fair value of the underlying items, or a decrease in the fulfilment cash flows that relate to future services, is allocated to the loss component, reversing losses previously recognised in the income statement (included in insurance service expenses); and </p></li></ul></li><li>\n<p>The amount recognised as insurance contract revenue because of the services provided in the period. </p></li></ul>\n<p>Changes in fulfilment cash flows that relate to future services include the changes relating to future services specified above for contracts with direct participation features (measured at current discount rates) , the effect of the time value of money and financial risks and the risk mitigation option where applicable. </p>\n<p>CSM is recognised as insurance contract revenue following the services provided. This is generally on a straight-line basis over the expected coverage period (taking into account contract terms and lapse assumptions) on an individual insurance contract basis. </p>\n<p>a.s.r. allocates the CSM to each period based on the passage of time as the investment-related services provided in relation to the investment component and the insurance services provided in relation to the insurance component are deemed to be delivered equally over the coverage period. </p>\n<div class=\"header header-3\">Risk mitigation </div>\n<p>a.s.r. has chosen to apply the risk mitigation option to certain VFA contracts, thereby not recognising a change in the CSM to reflect some or all of the changes in the effect of the time value of money and financial risk (that would normally adjust the CSM) on: </p><ul><li>\n<p>The amount of a.s.r.\u2019s share of the underlying items if a.s.r. mitigates the effect of financial risk on that amount using derivatives or reinsurance contracts held; and </p></li><li>\n<p>The fulfilment cash flows if a.s.r. mitigates the effect of financial risk on those fulfilment cash flows using derivatives, non-derivative financial instruments measured at FVTPL, or reinsurance contracts held. </p></li></ul>\n<p>If a.s.r. mitigates the effect of financial risk using derivatives or non-derivative financial instruments measured at FVTPL, it shall include insurance finance income or expenses for the period arising from the application of the risk mitigation in profit or loss. </p>\n<p>If a.s.r. mitigates the effect of financial risk using reinsurance contracts held, it shall apply the same accounting policy for the presentation of insurance finance income or expenses arising from the application of the risk mitigation as a.s.r. applies to other reinsurance contracts held. a.s.r. does not currently use reinsurance as a hedge instrument dedicated to financial risks. </p>\n<div class=\"header header-2\">Measurement \u2013 contracts measured under the PAA </div>\n<p>The PAA simplifies the measurement of groups of contracts when: </p><ul><li>\n<p>the coverage period of each contract in the group of contracts is one year or less; or </p></li><li>\n<p>a.s.r. expects that the resulting measurement would not differ materially from the result of applying the GMM. </p></li></ul>\n<div class=\"header header-3\">Initial measurement </div>\n<p>On initial recognition of each group of contracts, the carrying amount of the liability for remaining coverage is measured at the premiums received on initial recognition. Insurance acquisition cash flows are recognised as expenses when they are incurred making use of the option under IFRS 17. The risk adjustment is an implicit part of the valuation of the related liability. </p>\n<div class=\"header header-3\">Subsequent measurement. </div>\n<p>Subsequently, the carrying amount of the liability for remaining coverage is increased by any premiums received and decreased by the amount recognised as insurance contract revenue for coverage provided. This is recognised over the coverage period based on the passage of time. </p>\n<p>If at any time during the coverage period, facts and circumstances indicate that a group of contracts is onerous, then a.s.r. recognises a loss in the income statement and increases the liability for remaining coverage to the extent that the current estimates of the fulfilment cash flows that relate to remaining coverage (including the risk adjustment for non-financial risk) exceed the carrying amount of the liability for remaining coverage. </p>\n<p>a.s.r. recognises the liability for incurred claims of a group of insurance contracts at the amount of the fulfilment cash flows relating to incurred claims, including a risk adjustment for non-financial risk. The fulfilment cash flows are discounted at current rates. </p>\n<div class=\"header header-2\">Derecognition and contract modification </div>\n<p>a.s.r. derecognises a contract when it is extinguished \u2013 i.e. when the specified obligations in the contract expire or are discharged or cancelled. </p>\n<p>a.s.r. also derecognises a contract if its terms are modified in a way that would have changed the accounting for the contract significantly had the new terms always existed, in which case a new contract based on the modified terms is recognised. If a contract modification does not result in derecognition, then a.s.r. treats the changes in cash flows caused by the modifications as changes in estimates of fulfilment cash flows. </p>\n<p>On the derecognition of a contract from within a group of contracts: </p><ul><li>\n<p>The fulfilment cash flows allocated to the group are adjusted to eliminate the present value of the future cash flows and risk adjustment for non-financial risk relating to the rights and obligations that have been derecognised from the group; and </p></li><li>\n<p>The CSM of the group is adjusted for the change in fulfilment cash flows. </p></li></ul>\n<p>If a contract is derecognised because its terms are substantially modified, then the CSM is also adjusted for the premium that would have been charged had a.s.r. entered into a contract with the new contract\u2019s terms at the date of modification, less any additional premium charged for the modification. The new contract recognised is measured assuming that, at the date of modification, the issuer received the premium that it would have charged less any additional premium charged for the modification. </p>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n1286620\"><span class=\"title-text\">N. Statement of cash flows </span></h1>\n<p>The statement of cash flows classifies cash flows by operating activities, investing activities and financing activities. Cash flows denominated in foreign currencies are converted at the exchange rates applicable on the transaction date. </p>\n<p>Cash flows from operating activities are reported using the indirect method. Cash flows from operating activities include result before tax, adjustments for gains and losses that did not result in income and payments in the same financial year, adjustments for movements in provisions, and accrued and deferred items. </p>\n<p>The statement of cash flows recognises interest received and paid, and dividends received within cash flows from operating activities. Cash flows from purchasing and selling investments and investment property are included in cash flows from operating activities on a net basis. Dividends paid are recognised within cash flows from financing activities. </p>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForForeignCurrencyTranslationExplanatory",
    "language": "en",
    "entity": "scheme:7245000G0HS48PZWUD53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "ixv-572": {
   "value": "\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n1286397\"><span class=\"title-text\">F1. Insurance contracts </span></h1>\n<div class=\"header header-2\">Classification </div>\n<p>Insurance contracts issued by a.s.r. are contracts that transfer significant insurance risks, and in some cases also financial risk, from the policyholder to a.s.r. Contracts measured using the GMM or PAA are classified on the balance sheet as insurance contract liabilities and contracts measured using the VFA are classified as liabilities arising from direct participating insurance contracts. </p>\n<p>a.s.r. offers non-life insurance contracts and life insurance contracts as shown in the table below. </p>\n<h3 class=\"table-title\">Measurement model applied </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:21%;\"/><col style=\"width:32%;\"/><col style=\"width:47%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:middle;\"><b>Segment </b></th><th class=\"startCol-2 endCol-2 valign-middle border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:middle;\"><b>Product </b></th><th class=\"startCol-3 endCol-3 valign-middle border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:middle;\"><b>Measurement model applied </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Non-life </td><td class=\"startCol-2 endCol-2 valign-bottom border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">P&amp;C </td><td class=\"startCol-3 endCol-3 valign-bottom border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">GMM or PAA </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-bottom border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Disability </td><td class=\"startCol-3 endCol-3 valign-bottom border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">GMM </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-bottom border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Health </td><td class=\"startCol-3 endCol-3 valign-bottom border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">PAA </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Life </td><td class=\"startCol-2 endCol-2 valign-bottom border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Life individual </td><td class=\"startCol-3 endCol-3 valign-bottom border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">GMM or VFA </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-bottom border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Pension </td><td class=\"startCol-3 endCol-3 valign-bottom border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">GMM or VFA </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-bottom border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Funeral </td><td class=\"startCol-3 endCol-3 valign-bottom border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">GMM </td></tr></tbody></table> <br/>\n<div class=\"header header-2\">Insurance contract liabilities </div>\n<div class=\"header header-3\">Non-life insurance contracts </div>\n<p>Non-life insurance contracts are contracts that provide cover that is not related to the life or death of insured persons. These insurance contracts are primarily classified into the following categories: Disability, Health, P&amp;C (motor, fire and liability). </p>\n<div class=\"header header-3\">Life insurance contracts </div>\n<p>The segment Life includes: annuities, term insurance policies, savings contracts and funeral insurance contracts. In addition to non-participating life insurance contracts, the insurance portfolio also includes: </p><ul><li>\n<p>Individual and group participating contracts; </p></li><li>\n<p>Individual contracts with discretionary participation features; </p></li><li>\n<p>Group contracts with segregated pools with returns based on investment guarantees. </p></li></ul>\n<p>Life insurance contracts with participation features are included within the Life segment. Under these contracts, policyholders are assigned, in addition to their entitlement to a guaranteed element, an entitlement to potentially significant additional benefits whose amount or timing is contractually at the discretion of a.s.r. These additional benefits are based on the performance of a specified pool of investments held by a.s.r. or on the issuer\u2019s operational result. </p>\n<div class=\"header header-3\">Liabilities arising from direct participating insurance contracts. </div>\n<p>a.s.r. classifies an insurance contract as a direct participating contract for which at inception the following criteria are met: </p><ul><li>\n<p>the contractual terms specify that the policyholder participates in a share of a clearly identified pool of underlying items; </p></li><li>\n<p>a.s.r. expects to pay the policyholder an amount equal to a substantial share of the fair value returns on the underlying items; and </p></li><li>\n<p>a.s.r. expects a substantial proportion of any change in the amounts to be paid to the policy holder to vary with the change in the fair value of the underlying items. </p></li></ul>\n<p>Life insurance contracts with direct participating features are included within the Life segment and mainly concern unit-linked contracts and group pension contracts, with policyholders bearing the investment risk. An investment unit is a share in an investment fund that a.s.r. acquires on behalf of the policyholders using net premiums paid by the policyholders. The cash flow upon maturity of the contract is equal to the value of the investment units of the fund in question. </p>\n<p>Contracts that meet the requirements of a direct participating contract are measured using the variable fee approach. </p>\n<div class=\"header header-2\">Separating components </div>\n<p>Currently a.s.r. does not separate any components from its insurance contracts. </p>\n<p>Non-distinct investment components are identified for products where under all circumstances a payment will be made to the policyholder. These are generally recognised for GMM as the surrender value of the funeral insurance and as the savings account related to the mortgage savings insurance. For VFA policies the non-distinct investment component is the investment fund value and if applicable determined gross or net of surrender charges depending on product type. </p>\n<div class=\"header header-2\">Level of aggregation </div>\n<p>Insurance contracts are aggregated into groups for measurement purposes. a.s.r. identifies portfolios of insurance contracts comprising contracts subject to similar risks and managed together. Each portfolio is then divided into cohorts of contracts issued within a maximum of one year and divided into two groups based on the profitability buckets for: </p><ul><li>\n<p>any contracts that are onerous on initial recognition; and </p></li><li>\n<p>any remaining contracts in the portfolio. </p></li></ul>\n<p>The profitability bucket for contracts that have no significant possibility of becoming onerous subsequently is currently not used by a.s.r. </p>\n<p>Similar risks managed together are generally based on the homogeneous risk groups similar to those used in Solvency II at inception, more or less granularity is applied where applicable. Contracts within a portfolio that would fall into different groups only because law or regulation specifically constraints a.s.r.\u2019s practical ability to set a different price or level of benefits for policyholders with different characteristics are included in the same group. This applies to contracts issued in Europe that are required by EU regulation to be priced on a gender-neutral basis. </p>\n<p>The resulting groups represent the level at which the recognition and measurement accounting policies are applied. The groups are established on initial recognition and their composition is not subsequently reassessed. </p>\n<p>Whether a contract is onerous or not is a policy (test) which is set per business. Part of this policy will be pricing and thresholds and forward looking metrics available within a.s.r. The test is performed based on the contracts which are issued in any specific calendar year and are grouped according to the similar risks managed together criteria as described above. The test is generally performed on a set of contracts using reasonable and supportable information, considering that the outcome would be the same had the individual policy assessment been performed. </p>\n<div class=\"header header-2\">Recognition </div>\n<p>a.s.r. recognises a group of insurance contracts issued from the earliest of: </p><ul><li>\n<p>the beginning of the coverage period of the group of contracts. The coverage period is the period during which a.s.r. provides services (insurance services, investment-return services or investment-related services) in respect of all premiums within the boundary of the insurance contract; </p></li><li>\n<p>the date when the first payment from a policyholder in the group becomes due. If there is no contractual due date, then it is considered to be the date when the first payment is received from the policyholder; or </p></li><li>\n<p>the date when facts and circumstances indicate that the contract is onerous. </p></li></ul>\n<p>Insurance contracts acquired in a (portfolio) transfer or a business combination are recognised on the date of acquisition. </p>\n<p>When the contract is recognised, it is added to an existing group of contracts or, if the contract does not qualify for inclusion in an existing group, it forms a new group to which future contracts can be added. Groups of contracts are established on initial recognition and their composition is not revised once all contracts have been added to the group. </p>\n<div class=\"header header-2\">Contract boundaries </div>\n<p>The measurement of a group of contracts includes all of the future cash flows within the boundary of each contract in the group. Cash flows are within the boundary of a contract if they arise from substantive rights and obligations that exist during the reporting period under which a.s.r. can compel the policyholder to pay premiums or has a substantive obligation to provide services. </p>\n<p>A substantive obligation to provide services ends when: </p><ul><li>\n<p>a.s.r. has the practical ability to reassess the risks of the particular policyholder and can set a price or level of benefits that fully reflects those reassessed risks; or </p></li><li>\n<p>a.s.r. has the practical ability to reassess the risks of the portfolio that contains the contract and can set a price or level of benefits that fully reflects the risks of that portfolio; and the pricing of the premiums for coverage up to the reassessment date does not consider risks that relate to periods after the reassessment date. </p></li></ul>\n<p>For individual contracts with discretionary features the contract boundary is defined so that cash flows are within the contract boundary if they result from a substantive obligation of a.s.r. to deliver cash at a present or future date. </p>\n<p>The contract boundary is reassessed at each reporting period and more frequently if and when product characteristics and/or conditions fundamentally change and, therefore, may change over time. </p>\n<div class=\"header header-2\">Measurement </div>\n<p>a.s.r. uses the following measurement models: </p><ul><li>\n<p>the general measurement model (GMM); </p></li><li>\n<p>the variable fee approach (VFA) for contracts with a direct participating feature; and </p></li><li>\n<p>the premium allocation approach (PAA) which is a simplified version of the GMM and is used mainly for short-duration contracts. </p></li></ul>\n<div class=\"header header-2\">Measurement \u2013 contracts measured under the GMM </div>\n<div class=\"header header-3\">Initial measurement </div>\n<p>On initial recognition, a.s.r. measures a group of insurance contracts as the total of: </p><ul><li>\n<p>the fulfilment cash flows, which comprise estimates of future cash flows, adjusted to reflect the time value of money and the associated financial risk and the risk adjustment for non-financial risk (RA); and </p></li><li>\n<p>the CSM. </p></li></ul>\n<p>The measurement of the fulfilment cash flows of a group of insurance contracts does not reflect non-performance risk of a.s.r. It is the net present value of the projected cash flows of benefits and expenses, less the net present value of premiums, adjusted for the risk adjustment. These cash flows are estimated using realistic, \u201cbest estimate\u201d, assumptions in relation to mortality, longevity, disability, lapse rate, expense and inflation. The best estimate assumptions regarding mortality and longevity include recent trend assumptions for life expectancy in the Netherlands, as provided by the Dutch Actuarial Association. The best estimate includes the intrinsic value and the time value of options and guarantees (TVOG: Time Value of Financial Options and Guarantees) and is calculated using stochastic techniques. </p>\n<p>Where applicable, the direct or discretionary participating features of the insurance contracts, such as profit sharing, and any guaranteed benefits at maturity are considered in the future cash flows. The cash flows are discounted using the base curve being the Solvency II curve (including the VA), published by EIOPA excluding the UFR of 3,45% in 2023 (2022: 3.45%). a.s.r. uses an UFR of 3,40% in 2023 (2022: 3.45%) for the construction of the curve from the first smoothing point (FSP). </p>\n<p>Insurance pre-acquisition cash flows that a.s.r. pays before the related group of contracts is recognised (i.e. for renewals of insurance contracts or insurance contracts recognised in the following period), are presented as an asset under the insurance contract liabilities. When the group of contracts is recognised, these cash flows are included by way of expected acquisition cash flows in the measurement of the group and the previously recognised asset is transferred and included as part of expected acquisition cash flows initially recognised in the insurance liability. The insurance pre-acquisition cash flow asset is reassessed for a possible impairment trigger at each reporting date. </p>\n<p>The risk adjustment for a group of insurance contracts is the compensation required for bearing uncertainty about the amount and timing of the cash flows that arises from non-financial risk. </p>\n<p>a.s.r. disaggregates changes in the risk adjustment for non-financial risk between the insurance service result and insurance finance income or expenses. See chapter <a href=\"#n1288854\" title=\"Assumptions used\">7.5.13.3</a>. </p>\n<p>The CSM of a group of insurance contracts represents the unearned profit that a.s.r. will recognise as it provides service under those contracts. On initial recognition of a group of insurance contracts, if the total fulfilment cash flows allocated to the contract, any previously recognised insurance acquisition cash flows and any cash flows arising from the contract at the date of initial recognition is a net inflow, then the group is not onerous. In this case, the CSM is measured as the equal and opposite amount of the net inflow, which results in no income or expenses arising on initial recognition. </p>\n<p>For groups of contracts acquired, the consideration received for the contracts is included in the fulfilment cash flows as a proxy for the premiums received at the date of acquisition. For business combinations see accounting policy I. </p>\n<p>If the total of the fulfilment cash flows is a net outflow, then the group is onerous. In this case, the net outflow is recognised as a loss in the income statement, or as an adjustment to goodwill or a gain on a bargain purchase if the contracts are acquired in a business combination. A loss component is created as part of the insurance liabilities to depict any losses recognised in the income statement, which determines the amounts that are subsequently presented in the income statement as reversals of losses on onerous groups. </p>\n<div class=\"header header-3\">Subsequent measurement </div>\n<p>The carrying amount of a group of insurance contract liabilities at each reporting date is the sum of the liability for remaining coverage and the liability for incurred claims. The liability for remaining coverage comprises: </p><ul><li>\n<p>the fulfilment cash flows that relate to services that will be provided under the contracts in future periods including the risk adjustment; and </p></li><li>\n<p>any remaining CSM at that date. </p></li></ul>\n<p>The liability for incurred claims comprises the fulfilment cash flows for incurred claims and attributable expenses that have not yet been paid, including claims that have been incurred but not yet reported, and the handling of the payments to policyholders. For the contracts in the Non-life segment this concerns all future payments related to the incurred claim (the LIC option), whereas for contracts in the Life segment this concerns the amounts payable for the period (LRC option). </p>\n<p>The fulfilment cash flows of groups of insurance contracts are measured at the reporting date using current estimates of future cash flows, current discount rates and current estimates of the risk adjustment for non-financial risk. Changes in fulfilment cash flows are recognised as follows: </p><ul><li>\n<p>Changes relating to future services are adjusted against the CSM (or recognised in the insurance service result in profit or loss if the group is onerous); </p></li><li>\n<p>Changes relating to current or past services are recognised in the insurance service result in the income statement; </p></li><li>\n<p>Effects of the time value of money, financial risk and changes therein on estimated future cash flows and risk adjustment for non-financial risk are recognised as insurance finance income or expenses. </p></li></ul>\n<p>The CSM of each group of contracts is subsequently calculated at each reporting date. </p>\n<p>The carrying amount of the CSM at the end of each reporting period is the carrying amount at the start of the reporting period, adjusted for: </p><ul><li>\n<p>The CSM of any new contracts that are added to the group in the period; </p></li><li>\n<p>Interest accreted on the carrying amount of the CSM during the period, measured at the discount rates on nominal cash flows that do not vary based on the returns on any underlying items determined on initial recognition; </p></li><li>\n<p>Changes in fulfilment cash flows that relate to future services, except to the extent that: </p><ul><li>\n<p>Any increases in the fulfilment cash flows exceed the carrying amount of the CSM, in which case the excess is recognised as a loss in the income statement and creates a loss component; or </p></li><li>\n<p>Any decreases in the fulfilment cash flows are allocated to the loss component, reversing losses previously recognised in profit or loss; and </p></li></ul></li><li>\n<p>The amount recognised as insurance contract revenue due to the services provided in the period. </p></li></ul>\n<p>Changes in fulfilment cash flows that relate to future services comprise: </p><ul><li>\n<p>Experience adjustments arising from premiums received in the period that relate to future services and related cash flows, measured at the discount rates determined on initial recognition and non-distinct investment components; </p></li><li>\n<p>Changes in estimates of the present value of future cash flows in the liability for remaining coverage, measured at the discount rates determined on initial recognition, except for those that relate to the effects of the time value of money, financial risk and changes therein; and </p></li><li>\n<p>Changes in the risk adjustment for non-financial risk that relate to future services. </p></li></ul>\n<p>CSM is recognised as revenue following the services provided. This is generally on a straight-line basis over the expected coverage period (taking into account contract terms and lapse assumptions) on an individual insurance contract basis. </p>\n<p>Changes in discretionary cash flows are regarded as relating to future services and accordingly adjust the CSM. a.s.r. allocates the CSM to each period based on the passage of time as the service (insurance services and investment-return services) is deemed to be delivered equally over the coverage period. </p>\n<p>To determine whether changes in cash flows are deemed to be changes in discretionary cash flows, a.s.r. exercises judgement in specifying at inception what is regarded as their commitment under the contract. How a.s.r. specifies its commitment under the contract will determine how much of the changes in expected future cash flows will be reflected immediately in profit or loss or will adjust CSM. </p>\n<div class=\"header header-2\">Measurement \u2013 contracts measured under the VFA </div>\n<p>The VFA measurement model is used for direct participating contracts. This measurement model is identical to the GMM at initial recognition, however, subsequent measurement differs from the GMM. </p>\n<p>Direct participating insurance contracts are contracts under which a.s.r.\u2019s obligation to the policyholder is the net of: </p><ul><li>\n<p>The obligation to pay the policyholder an amount equal to the fair value of the underlying items; and </p></li><li>\n<p>A variable fee in exchange for future services provided by the contracts, being a.s.r.\u2019s share of the fair value of the underlying items less fulfilment cash flows that do not vary based on the returns on underlying items. a.s.r. provides investment-related services under these contracts by promising an investment return based on underlying items, in addition to insurance coverage. </p></li></ul>\n<p>When measuring a group of direct participating contracts, a.s.r. adjusts the fulfilment cash flows for the whole of the changes in the obligation to pay policyholders an amount equal to the fair value of the underlying items. These changes do not relate to future services and are recognised in the income statement. a.s.r. then adjusts any CSM for changes in the a.s.r.\u2019s share of the fair value of the underlying items, which relates to future services, as explained below. </p>\n<div class=\"header header-3\">Subsequent measurement </div>\n<p>The carrying amount of the CSM at the end of each reporting period is the carrying amount at the start of the reporting period, adjusted for: </p><ul><li>\n<p>The CSM of any new contracts that are added to the group in the period; </p></li><li>\n<p>a.s.r.\u2019s share of the change in the fair value of the underlying items and changes in fulfilment cash flows that relate to future services, except to the extent that: </p><ul><li>\n<p>a.s.r. has chosen to exclude from the CSM changes in the effect of financial risk on its share of the underlying items; </p></li><li>\n<p>a.s.r.\u2019s share of a decrease in the fair value of the underlying items, or an increase in the fulfilment cash flows that relate to future services, exceeds the carrying amount of the CSM, giving rise to a loss in the income statement (included in insurance service expenses) and creating a loss component; or </p></li><li>\n<p>a.s.r.\u2019s share of an increase in the fair value of the underlying items, or a decrease in the fulfilment cash flows that relate to future services, is allocated to the loss component, reversing losses previously recognised in the income statement (included in insurance service expenses); and </p></li></ul></li><li>\n<p>The amount recognised as insurance contract revenue because of the services provided in the period. </p></li></ul>\n<p>Changes in fulfilment cash flows that relate to future services include the changes relating to future services specified above for contracts with direct participation features (measured at current discount rates) , the effect of the time value of money and financial risks and the risk mitigation option where applicable. </p>\n<p>CSM is recognised as insurance contract revenue following the services provided. This is generally on a straight-line basis over the expected coverage period (taking into account contract terms and lapse assumptions) on an individual insurance contract basis. </p>\n<p>a.s.r. allocates the CSM to each period based on the passage of time as the investment-related services provided in relation to the investment component and the insurance services provided in relation to the insurance component are deemed to be delivered equally over the coverage period. </p>\n<div class=\"header header-3\">Risk mitigation </div>\n<p>a.s.r. has chosen to apply the risk mitigation option to certain VFA contracts, thereby not recognising a change in the CSM to reflect some or all of the changes in the effect of the time value of money and financial risk (that would normally adjust the CSM) on: </p><ul><li>\n<p>The amount of a.s.r.\u2019s share of the underlying items if a.s.r. mitigates the effect of financial risk on that amount using derivatives or reinsurance contracts held; and </p></li><li>\n<p>The fulfilment cash flows if a.s.r. mitigates the effect of financial risk on those fulfilment cash flows using derivatives, non-derivative financial instruments measured at FVTPL, or reinsurance contracts held. </p></li></ul>\n<p>If a.s.r. mitigates the effect of financial risk using derivatives or non-derivative financial instruments measured at FVTPL, it shall include insurance finance income or expenses for the period arising from the application of the risk mitigation in profit or loss. </p>\n<p>If a.s.r. mitigates the effect of financial risk using reinsurance contracts held, it shall apply the same accounting policy for the presentation of insurance finance income or expenses arising from the application of the risk mitigation as a.s.r. applies to other reinsurance contracts held. a.s.r. does not currently use reinsurance as a hedge instrument dedicated to financial risks. </p>\n<div class=\"header header-2\">Measurement \u2013 contracts measured under the PAA </div>\n<p>The PAA simplifies the measurement of groups of contracts when: </p><ul><li>\n<p>the coverage period of each contract in the group of contracts is one year or less; or </p></li><li>\n<p>a.s.r. expects that the resulting measurement would not differ materially from the result of applying the GMM. </p></li></ul>\n<div class=\"header header-3\">Initial measurement </div>\n<p>On initial recognition of each group of contracts, the carrying amount of the liability for remaining coverage is measured at the premiums received on initial recognition. Insurance acquisition cash flows are recognised as expenses when they are incurred making use of the option under IFRS 17. The risk adjustment is an implicit part of the valuation of the related liability. </p>\n<div class=\"header header-3\">Subsequent measurement. </div>\n<p>Subsequently, the carrying amount of the liability for remaining coverage is increased by any premiums received and decreased by the amount recognised as insurance contract revenue for coverage provided. This is recognised over the coverage period based on the passage of time. </p>\n<p>If at any time during the coverage period, facts and circumstances indicate that a group of contracts is onerous, then a.s.r. recognises a loss in the income statement and increases the liability for remaining coverage to the extent that the current estimates of the fulfilment cash flows that relate to remaining coverage (including the risk adjustment for non-financial risk) exceed the carrying amount of the liability for remaining coverage. </p>\n<p>a.s.r. recognises the liability for incurred claims of a group of insurance contracts at the amount of the fulfilment cash flows relating to incurred claims, including a risk adjustment for non-financial risk. The fulfilment cash flows are discounted at current rates. </p>\n<div class=\"header header-2\">Derecognition and contract modification </div>\n<p>a.s.r. derecognises a contract when it is extinguished \u2013 i.e. when the specified obligations in the contract expire or are discharged or cancelled. </p>\n<p>a.s.r. also derecognises a contract if its terms are modified in a way that would have changed the accounting for the contract significantly had the new terms always existed, in which case a new contract based on the modified terms is recognised. If a contract modification does not result in derecognition, then a.s.r. treats the changes in cash flows caused by the modifications as changes in estimates of fulfilment cash flows. </p>\n<p>On the derecognition of a contract from within a group of contracts: </p><ul><li>\n<p>The fulfilment cash flows allocated to the group are adjusted to eliminate the present value of the future cash flows and risk adjustment for non-financial risk relating to the rights and obligations that have been derecognised from the group; and </p></li><li>\n<p>The CSM of the group is adjusted for the change in fulfilment cash flows. </p></li></ul>\n<p>If a contract is derecognised because its terms are substantially modified, then the CSM is also adjusted for the premium that would have been charged had a.s.r. entered into a contract with the new contract\u2019s terms at the date of modification, less any additional premium charged for the modification. The new contract recognised is measured assuming that, at the date of modification, the issuer received the premium that it would have charged less any additional premium charged for the modification. </p>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n1286420\"><span class=\"title-text\">F2. Reinsurance contracts </span></h1>\n<div class=\"header header-2\">Classification </div>\n<p>Contracts held by a.s.r. under which it transfers significant insurance risk related to insurance contracts are classified as reinsurance contracts. a.s.r. does not issue reinsurance contracts. </p>\n<div class=\"header header-2\">Separating components and Level of aggregation </div>\n<p>The accounting principles for the separation of components do not differ from those for insurance contracts. For the determination of the level of aggregation for reinsurance contracts the accounting principles are the same with the exception that a reinsurance contract cannot be classified as onerous. </p>\n<div class=\"header header-2\">Recognition </div>\n<p>a.s.r. recognises a group of reinsurance contracts held that do not provide proportionate coverage at the earlier of (i) the beginning of the coverage period of the group of reinsurance contracts held; and (ii) the date a.s.r. recognises an onerous group of underlying contracts if a.s.r. entered into the related reinsurance contract held at or before that date. </p>\n<div class=\"header header-2\">Contract boundaries </div>\n<p>The measurement of a group of reinsurance contracts held includes all of the future cash flows within the boundary of each contract in the group. Cash flows are within the boundary of a contract if they arise from substantive rights and obligations that exist during the reporting period under which a.s.r. has a right to receive services from the reinsurer and is compelled to pay premiums. </p>\n<div class=\"header header-2\">Measurement \u2013 contracts under the PAA </div>\n<p>a.s.r. uses the PAA as the default measurement approach for reinsurance contracts with a coverage period of one year or less, but the business line has the option to choose the GMM. </p>\n<p>To measure a group of reinsurance contracts a.s.r. applies the same accounting policies for the related insurance contracts, adapted where necessary to reflect the features of reinsurance contracts held that differ from those of the insurance contracts. </p>\n<div class=\"header header-2\">Measurement \u2013 contracts under the GMM </div>\n<p>a.s.r. applies the same accounting policies for insurance contracts to measure a group of reinsurance contracts, with the following modifications. </p>\n<p>The carrying amount of a group of reinsurance contracts at each reporting date is the sum of the remaining coverage component and the incurred claims component. The remaining coverage component comprises: </p><ul><li>\n<p>The fulfilment cash flows that relate to services that will be received under the contracts in future periods including the risk adjustment; and </p></li><li>\n<p>Any remaining CSM at that date. </p></li></ul>\n<p>a.s.r. measures the estimates of the present value of future cash flows using assumptions that are consistent with those used to measure the estimates of the present value of future cash flows for the underlying insurance contracts. </p>\n<div class=\"header header-3\">Loss-recovery component </div>\n<p>a.s.r. determines a loss-recovery component of the asset for remaining coverage of a group of reinsurance contracts held when a.s.r. recognises a recovery of a loss on initial recognition of an onerous group of underlying contracts as well as for subsequent measurement of the recovery of losses. This loss-recovery component is accounted for in a manner consistent with the loss component of the group of underlying insurance contracts issued. As such, as cedant, a.s.r. determines the resulting amount of the loss-recovery at initial recognition to be recognised in profit or loss by multiplying: </p><ul><li>\n<p>The loss recognised on the group of underlying insurance contracts; and </p></li><li>\n<p>The percentage of claims on underlying contracts a.s.r. expects to recover from the group of reinsurance contracts held. </p></li></ul>\n<p>After a.s.r. has established a loss-recovery component, it shall adjust it to reflect changes in the loss component of the underlying contracts. Therefore, the balance of loss-recovery component needs to be tracked along the fulfilment of the reinsurance group and run off to zero at the end of the reinsurance coverage period or earlier when the loss component on the underlying group(s) has been fully reversed. The carrying amount of the loss recovery component shall not exceed the portion of the carrying amount of the loss component of the underlying insurance contracts that a.s.r. expects to recover from the group of reinsurance contracts held. </p>\n<p>The risk adjustment for non-financial risk is the amount of the risk transferred by a.s.r. to the reinsurer. </p>\n<p>On initial recognition, the CSM of a group of reinsurance contracts represents a net cost or net gain on purchasing reinsurance. It is measured as the equal and opposite amount of the total of the fulfilment cash flows, any derecognised assets for cash flows occurring before the recognition of the group and any cash flows arising at that date, and taking into account any recognised loss recovery component, if applicable. However, if any net cost on purchasing reinsurance coverage relates to insured events that occurred before the purchase of the group, then a.s.r. recognises the cost immediately in the income statement as an expense. </p>\n<p>The carrying amount of the CSM at the end of each reporting period is the carrying amount at the start of the reporting period, adjusted for: </p><ul><li>\n<p>The CSM of any new contracts that are added to the group in the period; </p></li><li>\n<p>Interest accreted on the carrying amount of the CSM during the period, measured at the discount rates on nominal cash flows that do not vary based on the returns on any underlying items determined on initial recognition; </p></li><li>\n<p>Changes in fulfilment cash flows that relate to future services, unless the change results from a change in fulfilment cash flows allocated to a group of onerous underlying insurance contracts, in which case the change is recognised in the income statement; </p></li><li>\n<p>The amount recognised in the income statement because of the services received in the period. </p></li></ul>\n<p>CSM is recognised in profit or loss following the services provided. </p>\n<div class=\"header header-3\">Non-performance risk </div>\n<p>Changes in the fulfilment cash flows related to the risk of non-performance do not adjust the CSM, therefore a.s.r. recognises them in profit or loss. This requires that the fulfilment cash flows must be adjusted to include the effect of any non-performance risk, or credit risk, by the reinsurer. </p>\n<p>Reinsurance contracts cannot be onerous. </p>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n1286804\"><span class=\"title-text\">V1. Insurance contract revenue </span></h1>\n<p>Insurance contract revenue excludes any investment components and is measured as follows. </p>\n<div class=\"header header-2\">Insurance contract revenue \u2013 contracts measured under the GMM or VFA </div>\n<p>a.s.r. recognises insurance contract revenue as it satisfies its performance obligations \u2013 i.e. as it provides coverage or other services required due to groups of insurance contracts. For contracts measured under the GMM or VFA, the insurance contract revenue relating to services provided for each period represents the total of the changes in the liability for remaining coverage that relate to services for which a.s.r. expects to receive consideration. </p>\n<p>Insurance contract revenue consists of the sum of the changes in the liability for remaining coverage due to: </p><ul><li>\n<p>The insurance service expenses incurred in the period measured at the amounts expected at the beginning of the period, excluding: <br/>\u2013 Amounts allocated to the loss component; <br/>\u2013 Repayments of investment components; <br/>\u2013 Amounts that relate to transaction-based taxes collected on behalf of third parties; <br/>\u2013 Insurance acquisition expenses; and <br/>\u2013 Amounts relating to risk adjustment for non-financial risk. </p></li><li>\n<p>The change in the risk adjustment for non-financial risk, excluding: <br/>\u2013 Changes that relate to future service that adjust the CSM; and <br/>\u2013 Amounts allocated to the loss component. </p></li><li>\n<p>The amount of CSM for the services provided in the period; </p></li><li>\n<p>In addition, a.s.r. allocates a portion of premiums that relate to recovering insurance acquisition cash flows to each period in a systematic way based on the passage of time. a.s.r. recognises the allocated amount as insurance contracts revenue and an equal amount as insurance service expenses. </p></li></ul>\n<p>The amount of the CSM of a group of insurance contracts that is recognised as insurance contract revenue in each reporting period is generally determined by considering the quantity of benefits provided from the services per insurance contract and allocating the CSM per insurance contract remaining at the end of the reporting period (before any allocation) equally to the services provided in the reporting period and expected to be provided in future periods. </p>\n<p>Per group of contracts, in accordance with the level of aggregation criteria, the CSM is subsequently released, considering each individual contract, to the current coverage period and to future coverage periods in which the insurance contract service is expected to be provided (considering expected contract terms and survivor, lapse and death assumptions). </p>\n<div class=\"header header-2\">Insurance contract revenue \u2013 contracts measured under the PAA </div>\n<p>For contracts measured under the PAA, the insurance contract revenue for each period is the amount of expected premium receipts for providing coverage in the period. a.s.r. allocates the expected premium receipts to each period on the basis of the passage of time. </p>\n<div class=\"header header-2\">Allocation of reinsurance premiums paid </div>\n<p>a.s.r. allocates reinsurers premiums paid as it receives coverage or other services under groups of reinsurance contracts. For contracts measured under the GMM the allocation of reinsurance premiums paid relating to services received for each reporting period represents the total of the changes in the remaining coverage component that relate to services for which a.s.r. expects to pay consideration. </p>\n<p>For contracts measured under the PAA, the allocation of reinsurance premiums paid for each period is the amount of expected premium payments for receiving coverage in the period. </p>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n1286848\"><span class=\"title-text\">V3. Investment income </span></h1>\n<p>Investment income comprises the direct investment income such as interest income on financial assets, dividends received, rental income from investment property and other direct investment income. Fair value gains and losses includes the net gains on financial assets at FVTPL, net gains on derecognition of financial assets and liabilities at amortised cost and debt instruments at FVOCI, net gains on derecognition of associates at equity method and fair value gains on investment property. </p>\n<div class=\"header header-2\">Interest income </div>\n<p>Interest income for all interest-bearing instruments includes coupons earned on fixed income instruments and is recognised on an accrual basis. Transaction costs attributable to the acquisition of debt securities at fair value through profit or loss are immediately recognised in the income statement. </p>\n<p>When unpaid interest has accrued before the acquisition of an interest-bearing investment, the subsequent receipt of interest is allocated between pre-acquisition and post-acquisition periods; only the post-acquisition portion is recognised as revenue. The pre-acquisition interest is part of the consideration paid. </p>\n<div class=\"header header-3\">Interest rate swaps </div>\n<p>When the two legs of an interest rate swap are settled gross, interest paid and interest received on these swap are not offset. Gross settlement means that both legs of the swap are settled separately: one party receives interest and the other party pays interest. The net amount depends on the market interest rate. Interest received is accounted for as direct investment income, interest paid is accounted for as other finance expense. </p>\n<div class=\"header header-2\">Impairments </div>\n<p>When a receivable is impaired, a lifetime expected credit loss (ECL) is recognised and interest income is calculated on the net carrying amount (that is the gross carrying amount less credit allowance). </p>\n<div class=\"header header-2\">Dividends </div>\n<p>Dividend income is recognised in the income statement when a right to receive payment is established. </p>\n<div class=\"header header-2\">Rental income </div>\n<p>Rental income from investment property is allocated to the period to which they relate. </p>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n1286870\"><span class=\"title-text\">V4. Insurance finance income and expenses </span></h1>\n<p>Insurance finance income and expenses comprise changes in the carrying amounts of groups of insurance and reinsurance contracts, measured through GMM and PAA, arising from the effects of the time value of money, financial risk and changes therein. For direct participating insurance contracts (VFA) the change in the fair value of the underlying items is included in the insurance finance income and expenses. </p>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForInsuranceContracts",
    "language": "en",
    "entity": "scheme:7245000G0HS48PZWUD53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "ixv-576": {
   "value": "\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n1286420\"><span class=\"title-text\">F2. Reinsurance contracts </span></h1>\n<div class=\"header header-2\">Classification </div>\n<p>Contracts held by a.s.r. under which it transfers significant insurance risk related to insurance contracts are classified as reinsurance contracts. a.s.r. does not issue reinsurance contracts. </p>\n<div class=\"header header-2\">Separating components and Level of aggregation </div>\n<p>The accounting principles for the separation of components do not differ from those for insurance contracts. For the determination of the level of aggregation for reinsurance contracts the accounting principles are the same with the exception that a reinsurance contract cannot be classified as onerous. </p>\n<div class=\"header header-2\">Recognition </div>\n<p>a.s.r. recognises a group of reinsurance contracts held that do not provide proportionate coverage at the earlier of (i) the beginning of the coverage period of the group of reinsurance contracts held; and (ii) the date a.s.r. recognises an onerous group of underlying contracts if a.s.r. entered into the related reinsurance contract held at or before that date. </p>\n<div class=\"header header-2\">Contract boundaries </div>\n<p>The measurement of a group of reinsurance contracts held includes all of the future cash flows within the boundary of each contract in the group. Cash flows are within the boundary of a contract if they arise from substantive rights and obligations that exist during the reporting period under which a.s.r. has a right to receive services from the reinsurer and is compelled to pay premiums. </p>\n<div class=\"header header-2\">Measurement \u2013 contracts under the PAA </div>\n<p>a.s.r. uses the PAA as the default measurement approach for reinsurance contracts with a coverage period of one year or less, but the business line has the option to choose the GMM. </p>\n<p>To measure a group of reinsurance contracts a.s.r. applies the same accounting policies for the related insurance contracts, adapted where necessary to reflect the features of reinsurance contracts held that differ from those of the insurance contracts. </p>\n<div class=\"header header-2\">Measurement \u2013 contracts under the GMM </div>\n<p>a.s.r. applies the same accounting policies for insurance contracts to measure a group of reinsurance contracts, with the following modifications. </p>\n<p>The carrying amount of a group of reinsurance contracts at each reporting date is the sum of the remaining coverage component and the incurred claims component. The remaining coverage component comprises: </p><ul><li>\n<p>The fulfilment cash flows that relate to services that will be received under the contracts in future periods including the risk adjustment; and </p></li><li>\n<p>Any remaining CSM at that date. </p></li></ul>\n<p>a.s.r. measures the estimates of the present value of future cash flows using assumptions that are consistent with those used to measure the estimates of the present value of future cash flows for the underlying insurance contracts. </p>\n<div class=\"header header-3\">Loss-recovery component </div>\n<p>a.s.r. determines a loss-recovery component of the asset for remaining coverage of a group of reinsurance contracts held when a.s.r. recognises a recovery of a loss on initial recognition of an onerous group of underlying contracts as well as for subsequent measurement of the recovery of losses. This loss-recovery component is accounted for in a manner consistent with the loss component of the group of underlying insurance contracts issued. As such, as cedant, a.s.r. determines the resulting amount of the loss-recovery at initial recognition to be recognised in profit or loss by multiplying: </p><ul><li>\n<p>The loss recognised on the group of underlying insurance contracts; and </p></li><li>\n<p>The percentage of claims on underlying contracts a.s.r. expects to recover from the group of reinsurance contracts held. </p></li></ul>\n<p>After a.s.r. has established a loss-recovery component, it shall adjust it to reflect changes in the loss component of the underlying contracts. Therefore, the balance of loss-recovery component needs to be tracked along the fulfilment of the reinsurance group and run off to zero at the end of the reinsurance coverage period or earlier when the loss component on the underlying group(s) has been fully reversed. The carrying amount of the loss recovery component shall not exceed the portion of the carrying amount of the loss component of the underlying insurance contracts that a.s.r. expects to recover from the group of reinsurance contracts held. </p>\n<p>The risk adjustment for non-financial risk is the amount of the risk transferred by a.s.r. to the reinsurer. </p>\n<p>On initial recognition, the CSM of a group of reinsurance contracts represents a net cost or net gain on purchasing reinsurance. It is measured as the equal and opposite amount of the total of the fulfilment cash flows, any derecognised assets for cash flows occurring before the recognition of the group and any cash flows arising at that date, and taking into account any recognised loss recovery component, if applicable. However, if any net cost on purchasing reinsurance coverage relates to insured events that occurred before the purchase of the group, then a.s.r. recognises the cost immediately in the income statement as an expense. </p>\n<p>The carrying amount of the CSM at the end of each reporting period is the carrying amount at the start of the reporting period, adjusted for: </p><ul><li>\n<p>The CSM of any new contracts that are added to the group in the period; </p></li><li>\n<p>Interest accreted on the carrying amount of the CSM during the period, measured at the discount rates on nominal cash flows that do not vary based on the returns on any underlying items determined on initial recognition; </p></li><li>\n<p>Changes in fulfilment cash flows that relate to future services, unless the change results from a change in fulfilment cash flows allocated to a group of onerous underlying insurance contracts, in which case the change is recognised in the income statement; </p></li><li>\n<p>The amount recognised in the income statement because of the services received in the period. </p></li></ul>\n<p>CSM is recognised in profit or loss following the services provided. </p>\n<div class=\"header header-3\">Non-performance risk </div>\n<p>Changes in the fulfilment cash flows related to the risk of non-performance do not adjust the CSM, therefore a.s.r. recognises them in profit or loss. This requires that the fulfilment cash flows must be adjusted to include the effect of any non-performance risk, or credit risk, by the reinsurer. </p>\n<p>Reinsurance contracts cannot be onerous. </p>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForReinsuranceExplanatory",
    "language": "en",
    "entity": "scheme:7245000G0HS48PZWUD53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "ixv-577": {
   "value": "\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n1286442\"><span class=\"title-text\">G. Employee benefits </span></h1>\n<div class=\"header header-2\">Pension obligations </div>\n<p>a.s.r. has with effect 2021, defined contribution (DC) plans for all its employees, including employees that are employed by entities that operate in the Distribution and Service segment. For these DC plans, a.s.r. pays contributions to privately administered pension insurance plans with ASR Levensverzekering N.V. (a.s.r. life) on a contractual basis. a.s.r. life recognises these contracts as insurance contracts. They are accounted for in accordance with liabilities arising from insurance contracts (accounting policy <a href=\"#n1286397\" title=\"F1. Insurance contracts\">F1</a>). </p>\n<p>With regards to the DC plans, Aegon employees had a DC plan with Aegon Cappital as of 2020, and as of 1 October 2023 this DC plan became non-contributory, as they entered the a.s.r. DC plan. </p>\n<p>a.s.r. has no further payment obligations to the employees once the contributions have been paid. The contributions are recognised as operating expenses in the income statement during the period the services are rendered. Prepaid contributions are recognised as an asset to the extent that a cash refund or a reduction in future payments is available. </p>\n<p>In addition, a number of defined benefit (DB) plans for own employees exist, which ended at the end of 2019 (Aegon NL DB) and 2020 (a.s.r. DB), and were left non-contributory. The defined benefit obligation continues to exist. The plans are schemes under which employees are awarded pension benefits upon retirement, usually dependent on one or more factors, such as years of service and compensation. The defined benefit obligation is calculated at each reporting date by independent actuaries. </p>\n<p>The liability in respect of DB plans is the present value of the defined benefit obligation at the balance sheet date, less the fair value of the plan assets where the pension plans are insured by third parties. </p>\n<p>a.s.r. life and Aegon life administers most of the post-employment benefit plans and holds the investments that are intended to cover the employee benefit obligation. These investments do not qualify as plan assets in the consolidated financial statements under IFRS. </p>\n<p>Pension obligations are calculated using the projected unit credit method. Inherent to this method is the application of actuarial assumptions for discount rates, future salary increases and bonuses, mortality rates and consumer price indices. The assumptions are updated and checked at each reporting date, based on available market data. The assumptions and reports were reviewed by Risk Management. </p>\n<p>Actuarial assumptions may differ from actual results due to changes in market conditions, economic trends, mortality trends and other assumptions. Any change in these assumptions can have a significant impact on the defined benefit obligation and future pension costs. </p>\n<p>Changes in the expected actuarial assumptions and differences with the actual actuarial outcomes are recognised in the actuarial gains and losses included in other comprehensive income (component of total equity). </p>\n<p>When employee benefit plans are modified and when no further obligations exist, a gain or loss, resulting from the changes are recognised directly in the income statement. Consistent with the calculation of a gain or loss on a plan amendment, a.s.r. will use updated actuarial assumptions to determine the current service cost and net interest for the remainder of the annual reporting period upon the time of such amendment. The effect of the asset ceiling, if applicable, is disregarded when calculating the gain or loss on any settlement of the plan. </p>\n<p>The financing cost related to employee benefits is recognised in interest expense. The current service costs are included in operating expenses. </p>\n<div class=\"header header-2\">Other long-term employee benefits </div>\n<p>Plans that offer benefits for long-service (leave), but do not qualify as a post-employment benefit plan, such as jubilee benefits, are measured at present value using the projected unit credit method and changes are recognised directly in the income statement. </p>\n<div class=\"header header-2\">Other post-retirements obligations </div>\n<p>a.s.r. offers post-employment benefit plans, such as arrangement for mortgage loans at a discount (fixed amount, reference date December 2017). The entitlement to these benefits is usually conditional on the employee remaining in service up to retirement age and the completion of a minimum service period. The expected costs of these benefits are accrued over the period of employment using an accounting methodology that is similar to that for DB plans. </p>\n<div class=\"header header-2\">Vacation entitlements </div>\n<p>A liability is formed for the vacation days which have not been taken at year-end. </p>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForEmployeeBenefitsExplanatory",
    "language": "en",
    "entity": "scheme:7245000G0HS48PZWUD53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "ixv-578": {
   "value": "\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n1286465\"><span class=\"title-text\">H. Acquisitions (Business combinations) </span></h1>\n<p>Business acquisitions are accounted for according to the acquisition method, with the cost of the acquisitions being allocated to the fair value of the acquired identifiable assets, liabilities and contingent liabilities. </p>\n<p>The goodwill is determined as the difference between the cost of the acquisition and a.s.r.\u2019s interest in the fair value of the acquired identifiable assets, liabilities and contingent liabilities at the acquisition date. Additionally for insurance contracts acquired that are onerous at the transaction date, the difference between the fair value and the fulfilment cash flows is also part of the goodwill. </p>\n<p>Any change, in the fair value of acquired assets and liabilities at the acquisition date, determined within one year after acquisition, is recognised as an adjustment charged to goodwill in case of a preliminary valuation. Adjustments that occur after a period of one year are recognised in the income statement. Adjustments to the purchase price that are contingent on future events, and to the extent that these are not already included in the purchase price, are included in the purchase price of the acquisition at the time the adjustment is likely and can be measured reliably. </p>\n<p>Where applicable in the notes to the financial statements the acquisitions are recognised in the changes in the composition of the group. </p>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForBusinessCombinationsExplanatory",
    "language": "en",
    "entity": "scheme:7245000G0HS48PZWUD53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "ixv-580": {
   "value": "\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n1286509\"><span class=\"title-text\">I. Basis for consolidation - subsidiaries </span></h1>\n<p>The consolidated financial statements include the financial statements of a.s.r. and its subsidiaries. Subsidiaries are those entities (which may include deemed separate entities, the so-called silos and investments on behalf of policyholders) over which a.s.r. has control. Control exists when a.s.r. is exposed, or has rights, to variable returns from its involvement with the subsidiary and has the ability to affect those returns through its power over the subsidiary. This is the case if more than half of the voting rights may be exercised or if a.s.r. has control in any other manner. Subsidiaries are fully consolidated from the date on which control is acquired by a.s.r. and are deconsolidated when control ceases to exist. </p>\n<p>A subsidiary\u2019s assets, liabilities and contingent liabilities are measured at fair value on the acquisition date and are subsequently accounted for in accordance with a.s.r.\u2019s accounting policies, which are consistent with IFRS. </p>\n<p>Non-controlling interests are initially stated at their proportionate share in the fair value of the net assets on the acquisition date and are subsequently adjusted for the non-controlling interest in changes in the subsidiary\u2019s equity. </p>\n<p>a.s.r. concluded that the fund assets and liabilities of the IORP entities are a silo outside of the control of a.s.r., therefore these assets and liabilities are not consolidated by a.s.r. Only the remaining assets and liabilities within the IORP entities (outside of the silo) are consolidated into a.s.r.\u2019s financial statements. </p>\n<div class=\"header header-2\">Intragroup transactions </div>\n<p>Intragroup balances and transactions between consolidated group companies are eliminated. Gains and losses on transactions between a.s.r. and associates and joint ventures are eliminated to the extent of a.s.r.\u2019s interest in these entities. </p>\n<div class=\"header header-2\">Structured entities </div>\n<p>Structured entities that are consolidated include certain mortgage backed securitization deals, where a.s.r. was involved in the design of the structured entities and also has the ability to use its power to affect the amount of the investee\u2019s returns. Other factors that contribute to the conclusion that consolidation of these entities is required includes consideration of whether a.s.r. fully services the investees and can therefore influence the defaults of the mortgage portfolios and the fact that in these cases the majority of risks are maintained by a.s.r. Structured entities that are not consolidated include general account investments in non-affiliated structured entities that are used for investment purposes. </p>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForSubsidiariesExplanatory",
    "language": "en",
    "entity": "scheme:7245000G0HS48PZWUD53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "ixv-581": {
   "value": "\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n1286509\"><span class=\"title-text\">I. Basis for consolidation - subsidiaries </span></h1>\n<p>The consolidated financial statements include the financial statements of a.s.r. and its subsidiaries. Subsidiaries are those entities (which may include deemed separate entities, the so-called silos and investments on behalf of policyholders) over which a.s.r. has control. Control exists when a.s.r. is exposed, or has rights, to variable returns from its involvement with the subsidiary and has the ability to affect those returns through its power over the subsidiary. This is the case if more than half of the voting rights may be exercised or if a.s.r. has control in any other manner. Subsidiaries are fully consolidated from the date on which control is acquired by a.s.r. and are deconsolidated when control ceases to exist. </p>\n<p>A subsidiary\u2019s assets, liabilities and contingent liabilities are measured at fair value on the acquisition date and are subsequently accounted for in accordance with a.s.r.\u2019s accounting policies, which are consistent with IFRS. </p>\n<p>Non-controlling interests are initially stated at their proportionate share in the fair value of the net assets on the acquisition date and are subsequently adjusted for the non-controlling interest in changes in the subsidiary\u2019s equity. </p>\n<p>a.s.r. concluded that the fund assets and liabilities of the IORP entities are a silo outside of the control of a.s.r., therefore these assets and liabilities are not consolidated by a.s.r. Only the remaining assets and liabilities within the IORP entities (outside of the silo) are consolidated into a.s.r.\u2019s financial statements. </p>\n<div class=\"header header-2\">Intragroup transactions </div>\n<p>Intragroup balances and transactions between consolidated group companies are eliminated. Gains and losses on transactions between a.s.r. and associates and joint ventures are eliminated to the extent of a.s.r.\u2019s interest in these entities. </p>\n<div class=\"header header-2\">Structured entities </div>\n<p>Structured entities that are consolidated include certain mortgage backed securitization deals, where a.s.r. was involved in the design of the structured entities and also has the ability to use its power to affect the amount of the investee\u2019s returns. Other factors that contribute to the conclusion that consolidation of these entities is required includes consideration of whether a.s.r. fully services the investees and can therefore influence the defaults of the mortgage portfolios and the fact that in these cases the majority of risks are maintained by a.s.r. Structured entities that are not consolidated include general account investments in non-affiliated structured entities that are used for investment purposes. </p>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForTransactionsWithNoncontrollingInterestsExplanatory",
    "language": "en",
    "entity": "scheme:7245000G0HS48PZWUD53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "ixv-582": {
   "value": "\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n1286509\"><span class=\"title-text\">I. Basis for consolidation - subsidiaries </span></h1>\n<p>The consolidated financial statements include the financial statements of a.s.r. and its subsidiaries. Subsidiaries are those entities (which may include deemed separate entities, the so-called silos and investments on behalf of policyholders) over which a.s.r. has control. Control exists when a.s.r. is exposed, or has rights, to variable returns from its involvement with the subsidiary and has the ability to affect those returns through its power over the subsidiary. This is the case if more than half of the voting rights may be exercised or if a.s.r. has control in any other manner. Subsidiaries are fully consolidated from the date on which control is acquired by a.s.r. and are deconsolidated when control ceases to exist. </p>\n<p>A subsidiary\u2019s assets, liabilities and contingent liabilities are measured at fair value on the acquisition date and are subsequently accounted for in accordance with a.s.r.\u2019s accounting policies, which are consistent with IFRS. </p>\n<p>Non-controlling interests are initially stated at their proportionate share in the fair value of the net assets on the acquisition date and are subsequently adjusted for the non-controlling interest in changes in the subsidiary\u2019s equity. </p>\n<p>a.s.r. concluded that the fund assets and liabilities of the IORP entities are a silo outside of the control of a.s.r., therefore these assets and liabilities are not consolidated by a.s.r. Only the remaining assets and liabilities within the IORP entities (outside of the silo) are consolidated into a.s.r.\u2019s financial statements. </p>\n<div class=\"header header-2\">Intragroup transactions </div>\n<p>Intragroup balances and transactions between consolidated group companies are eliminated. Gains and losses on transactions between a.s.r. and associates and joint ventures are eliminated to the extent of a.s.r.\u2019s interest in these entities. </p>\n<div class=\"header header-2\">Structured entities </div>\n<p>Structured entities that are consolidated include certain mortgage backed securitization deals, where a.s.r. was involved in the design of the structured entities and also has the ability to use its power to affect the amount of the investee\u2019s returns. Other factors that contribute to the conclusion that consolidation of these entities is required includes consideration of whether a.s.r. fully services the investees and can therefore influence the defaults of the mortgage portfolios and the fact that in these cases the majority of risks are maintained by a.s.r. Structured entities that are not consolidated include general account investments in non-affiliated structured entities that are used for investment purposes. </p>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfBasisOfConsolidationExplanatory",
    "language": "en",
    "entity": "scheme:7245000G0HS48PZWUD53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "ixv-583": {
   "value": "\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n1286531\"><span class=\"title-text\">J. Product classification </span></h1>\n<p>Insurance contracts are defined as contracts under which a.s.r. accepts significant insurance risk from policyholders by agreeing to compensate policyholders if a specified uncertain future event adversely affects the policyholder. These contracts are considered insurance contracts throughout the remaining term to maturity, irrespective of when the insured event occurs. In addition, these contracts can also transfer financial risk. </p>\n<p>a.s.r. offers non-life insurance contracts and life insurance contracts. </p>\n<div class=\"header header-2\">Non-life insurance contracts </div>\n<p>Non-life insurance contracts are contracts that provide cover that is not related to the life or death of insured persons. These insurance contracts are classified into the following categories: Disability, Health, P&amp;C (motor, fire and liability) and Other. </p>\n<div class=\"header header-2\">Life insurance contracts </div>\n<p>Life insurance contracts (in cash) include savings-linked mortgages, annuities, term insurance policies, savings contracts and funeral insurance contracts. In addition to non-participating life insurance contracts, the insurance portfolio also includes: </p><ul><li>\n<p>Individual and group participating contracts; </p></li><li>\n<p>Individual contracts with discretionary participation features; </p></li><li>\n<p>Group contracts with segregated pools with returns based on investment guarantees. </p></li></ul>\n<div class=\"header header-2\">Direct participating insurance contracts </div>\n<p>Claims from these life insurance contracts are directly linked to the underlying investments. The investment risk and return are borne fully for policyholders. Life insurance contracts for the account and risk of policyholders generally consist of contracts where premiums, after deduction of costs and risk premium, are invested in unit-linked funds. For some individual contracts, a.s.r. guarantees returns on unit-linked investment funds. In addition, group contracts with segregated pools are classified as direct participating insurance contracts. </p>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n1286575\"><span class=\"title-text\">L. Transaction date and settlement date </span></h1>\n<p>All purchases and sales of financial instruments, which have to be settled in accordance with standard market conventions, are recognised at the transaction date, which is the date on which a.s.r. becomes party to the contractual stipulations of the instrument. Any purchases and sales other than those requiring delivery within the time frame established by regulations or market conventions are accounted for as forward transactions until the time of settlement. For details on these transactions, see accounting policy <a href=\"#n1286373\" title=\"E. Financial assets and financial liabilities\">E</a>. </p>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n1286892\"><span class=\"title-text\">W. Solvency II </span></h1>\n<p>In accordance with the Solvency II regulations (2009/138/EG art. 75 - 86), Solvency II figures are based on fair value. </p>\n<p>Fair value measurement is based on the same fair value hierarchy described in the IFRS accounting policies (see accounting policy <a href=\"#n1286307\" title=\"B. Fair value of assets and liabilities\">B</a>). </p>\n<p>Most important adjustments in the balance sheet, compared to IFRS, are the valuation of the (savings-linked) mortgage loans-portfolio and the liabilities arising from insurance contracts (including the risk margin). Basis of Solvency II Eligible own funds (EOF) is the excess of assets over liabilities, adjusted with some specific EOF-items (subordinated liabilities which classify as EOF under Solvency II and foreseeable dividend). The Solvency Capital Requirement (SCR) of Aegon Levensverzekering N.V. (Aegon life) is based on the partial internal model, while the SCR of the other a.s.r. entities are based on the standard model, including the calculation of the Loss Absorbing Capacity of Deferred Tax (LAC DT). The LAC DT methodology is reviewed and properly documented. Usage of the models is agreed upon with DNB. </p>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfOtherAccountingPoliciesRelevantToUnderstandingOfFinancialStatements",
    "language": "en",
    "entity": "scheme:7245000G0HS48PZWUD53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "ixv-584": {
   "value": "\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n1286553\"><span class=\"title-text\">K. Segment information </span></h1>\n<p>At organisational level, a.s.r.\u2019s operations have been divided into six (2022: five) operating segments. The main segments are the Non-life and Life segment that include all insurance activities. The non-insurance activities are presented as four separate segments being the Asset Management, Bank, Distribution and Services and Holding and Other segment. There is a clear difference between the risk and return profiles of these six segments. </p>\n<p>Intersegment transactions or transfers are conducted at arm\u2019s length conditions. </p>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForSegmentReportingExplanatory",
    "language": "en",
    "entity": "scheme:7245000G0HS48PZWUD53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "ixv-587": {
   "value": "\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n1286620\"><span class=\"title-text\">N. Statement of cash flows </span></h1>\n<p>The statement of cash flows classifies cash flows by operating activities, investing activities and financing activities. Cash flows denominated in foreign currencies are converted at the exchange rates applicable on the transaction date. </p>\n<p>Cash flows from operating activities are reported using the indirect method. Cash flows from operating activities include result before tax, adjustments for gains and losses that did not result in income and payments in the same financial year, adjustments for movements in provisions, and accrued and deferred items. </p>\n<p>The statement of cash flows recognises interest received and paid, and dividends received within cash flows from operating activities. Cash flows from purchasing and selling investments and investment property are included in cash flows from operating activities on a net basis. Dividends paid are recognised within cash flows from financing activities. </p>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForCashFlowsExplanatory",
    "language": "en",
    "entity": "scheme:7245000G0HS48PZWUD53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "ixv-594": {
   "value": "\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n1286642\"><span class=\"title-text\">O. Property, plant and equipment </span></h1>\n<div class=\"header header-2\">Property held for own use and plant </div>\n<p>Property held for own use and plants comprise of land and office buildings and plants like wind farms and are measured at fair value (revaluation model) based on annual valuations, conducted by external, independent valuators with adequate professional expertise and experience in the specific location and categories of properties or plant. </p>\n<p>They are subsequently measured at fair value, including any unrealised fair value changes in equity, taking into account any deferred tax liabilities. For the method of determining the fair value reference is made to accounting policy <a href=\"#n1286307\" title=\"B. Fair value of assets and liabilities\">B</a> for investment property and plant. </p>\n<p>Increase in the fair value exceeding the cost price is added to the revaluation reserve in shareholders\u2019 equity, less deferred taxes. Decreases in the fair value that offset previous increases of the same asset, are charged against the revaluation reserve. The revaluation reserve cannot be negative. All other decreases in fair value are accounted for in the income statement. Increases that reverse a revaluation decrease on the same asset previously recognised in net result are recognised in the income statement. </p>\n<p>Buildings and wind farms are depreciated using the straight-line method based on expected useful life, taking into account their fair value amount, the residual value from the time when it is in the location and condition necessary for it to be capable of operating in the manner intended by management. The useful life of buildings is assessed annually for every individual component (component approach). </p>\n<h3 class=\"table-title\">Property and plant classified into components and their maximum life </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:0%;\"/><col style=\"width:14%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;\"><b>Components </b></th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Useful life (expressed in years) </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Land </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">n.a. </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Shell </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">50 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Outer layer </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">15-30 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Wind turbines </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">25 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Solar panels </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">25 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Systems </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">15-20 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Fittings and fixtures </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">15 </td></tr></tbody></table> <br/>\n<p>Repair and maintenance costs are charged to the income statement in the period in which they are incurred. Expenses incurred after the acquisition of an asset are capitalised if it is probable that the future economic benefits will flow to a.s.r. and the cost of the asset can be measured reliably. </p>\n<p>Upon the sale of a property or plant, the part of the revaluation reserve related to the sold property or plant, within equity, is transferred to \u2018other reserves\u2019 and is not reclassified to the income statement. Therefore annually a transfer is also made from the revaluation reserve related to \u2018other reserves\u2019 in line with the depreciation recognised in the income statement for the revalued portion. </p>\n<div class=\"header header-2\">Equipment </div>\n<p>Equipment is recognised at cost, less accumulated depreciation and / or any accumulated impairment losses. Cost corresponds with the cash paid or the fair value of the consideration given to acquire the asset. </p>\n<p>Equipment is depreciated over its useful life, which is determined individually (usually between three and five years). Repair and maintenance costs are charged to the income statement in the period in which they are incurred. Expenses incurred after the acquisition of an asset are capitalised if it is probable that the future economic benefits will flow to a.s.r. and the cost of the asset can be measured reliably. </p>\n<p>Accounting for borrowing costs attributable to the construction of property, plant and equipment is the same as accounting for borrowing costs attributable to investment property. For details, see accounting policy <a href=\"#n1286351\" title=\"D. Investment property\">D</a>. </p>\n<div class=\"header header-2\">Right-of-use assets </div>\n<p>Right-of-use assets are recognised for lease contracts for which a.s.r. is the lessee. For more information reference is made to accounting policy <a href=\"#n1286782\" title=\"U. Leasing\">U</a>. </p>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForPropertyPlantAndEquipmentExplanatory",
    "language": "en",
    "entity": "scheme:7245000G0HS48PZWUD53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "ixv-595": {
   "value": "\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n1286642\"><span class=\"title-text\">O. Property, plant and equipment </span></h1>\n<div class=\"header header-2\">Property held for own use and plant </div>\n<p>Property held for own use and plants comprise of land and office buildings and plants like wind farms and are measured at fair value (revaluation model) based on annual valuations, conducted by external, independent valuators with adequate professional expertise and experience in the specific location and categories of properties or plant. </p>\n<p>They are subsequently measured at fair value, including any unrealised fair value changes in equity, taking into account any deferred tax liabilities. For the method of determining the fair value reference is made to accounting policy <a href=\"#n1286307\" title=\"B. Fair value of assets and liabilities\">B</a> for investment property and plant. </p>\n<p>Increase in the fair value exceeding the cost price is added to the revaluation reserve in shareholders\u2019 equity, less deferred taxes. Decreases in the fair value that offset previous increases of the same asset, are charged against the revaluation reserve. The revaluation reserve cannot be negative. All other decreases in fair value are accounted for in the income statement. Increases that reverse a revaluation decrease on the same asset previously recognised in net result are recognised in the income statement. </p>\n<p>Buildings and wind farms are depreciated using the straight-line method based on expected useful life, taking into account their fair value amount, the residual value from the time when it is in the location and condition necessary for it to be capable of operating in the manner intended by management. The useful life of buildings is assessed annually for every individual component (component approach). </p>\n<h3 class=\"table-title\">Property and plant classified into components and their maximum life </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:0%;\"/><col style=\"width:14%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;\"><b>Components </b></th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Useful life (expressed in years) </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Land </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">n.a. </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Shell </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">50 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Outer layer </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">15-30 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Wind turbines </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">25 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Solar panels </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">25 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Systems </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">15-20 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Fittings and fixtures </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">15 </td></tr></tbody></table> <br/>\n<p>Repair and maintenance costs are charged to the income statement in the period in which they are incurred. Expenses incurred after the acquisition of an asset are capitalised if it is probable that the future economic benefits will flow to a.s.r. and the cost of the asset can be measured reliably. </p>\n<p>Upon the sale of a property or plant, the part of the revaluation reserve related to the sold property or plant, within equity, is transferred to \u2018other reserves\u2019 and is not reclassified to the income statement. Therefore annually a transfer is also made from the revaluation reserve related to \u2018other reserves\u2019 in line with the depreciation recognised in the income statement for the revalued portion. </p>\n<div class=\"header header-2\">Equipment </div>\n<p>Equipment is recognised at cost, less accumulated depreciation and / or any accumulated impairment losses. Cost corresponds with the cash paid or the fair value of the consideration given to acquire the asset. </p>\n<p>Equipment is depreciated over its useful life, which is determined individually (usually between three and five years). Repair and maintenance costs are charged to the income statement in the period in which they are incurred. Expenses incurred after the acquisition of an asset are capitalised if it is probable that the future economic benefits will flow to a.s.r. and the cost of the asset can be measured reliably. </p>\n<p>Accounting for borrowing costs attributable to the construction of property, plant and equipment is the same as accounting for borrowing costs attributable to investment property. For details, see accounting policy <a href=\"#n1286351\" title=\"D. Investment property\">D</a>. </p>\n<div class=\"header header-2\">Right-of-use assets </div>\n<p>Right-of-use assets are recognised for lease contracts for which a.s.r. is the lessee. For more information reference is made to accounting policy <a href=\"#n1286782\" title=\"U. Leasing\">U</a>. </p>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForRepairsAndMaintenanceExplanatory",
    "language": "en",
    "entity": "scheme:7245000G0HS48PZWUD53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "ixv-598": {
   "value": "\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n1286667\"><span class=\"title-text\">P. Associates and joint ventures </span></h1>\n<div class=\"header header-2\">Associates </div>\n<p>Associates are entities over which a.s.r. has significant influence on operating and financial contracts, without having control. Generally, associates are accounted for using the equity method from the date at which a.s.r. acquires significant influence until the date at which such influence ceases. This means that associates are initially recognised at cost, including any goodwill paid. This value is subsequently adjusted to take account of a.s.r.\u2019s share of the associate\u2019s comprehensive income. Comprehensive income is adjusted in accordance with the accounting principles used by a.s.r. </p>\n<p>Losses are accounted for until the carrying amount of the investment has reached zero. Further provisions are recognised only to the extent that a.s.r. has incurred legal or constructive obligations concerning these associates. </p>\n<p>If objective evidence of impairment exists, associates are tested for impairment and, if necessary, written down. </p>\n<p>When the application of the equity method produces information that is not relevant to the investors, a.s.r. may use the exemption of IAS 28 to measure the investments in those associates at fair value through profit or loss in accordance with IFRS 9. a.s.r. applies fair value measurement for investments in real estate equity funds and mortgage equity funds, over which a.s.r. has significant influence. </p>\n<div class=\"header header-2\">Joint ventures </div>\n<p>Joint ventures are contractual arrangements whereby a.s.r. and one or more parties undertake an economic activity that is subject to joint control. Joint control exists only when the strategic financial and operating decisions relating to the activity require the unanimous consent of the parties sharing control. </p>\n<p>These interests are accounted for using the equity method as applied to associates. The interests are recognised in the financial statements from the date on which a.s.r. first obtains joint control until the date that this joint control ceases. </p>\n<p>If objective evidence of impairment exists, joint ventures are tested for impairment and, if necessary an impairment is recognised in the income statement. </p>\n<div class=\"header header-2\">Joint operations </div>\n<p>a.s.r. has a limited number of non-material joint operations. These are recognised in relation to a.s.r.\u2019s interest in the joint operation\u2019s individual balance sheet and income statement items. </p>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForInvestmentInAssociates",
    "language": "en",
    "entity": "scheme:7245000G0HS48PZWUD53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "ixv-599": {
   "value": "\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n1286667\"><span class=\"title-text\">P. Associates and joint ventures </span></h1>\n<div class=\"header header-2\">Associates </div>\n<p>Associates are entities over which a.s.r. has significant influence on operating and financial contracts, without having control. Generally, associates are accounted for using the equity method from the date at which a.s.r. acquires significant influence until the date at which such influence ceases. This means that associates are initially recognised at cost, including any goodwill paid. This value is subsequently adjusted to take account of a.s.r.\u2019s share of the associate\u2019s comprehensive income. Comprehensive income is adjusted in accordance with the accounting principles used by a.s.r. </p>\n<p>Losses are accounted for until the carrying amount of the investment has reached zero. Further provisions are recognised only to the extent that a.s.r. has incurred legal or constructive obligations concerning these associates. </p>\n<p>If objective evidence of impairment exists, associates are tested for impairment and, if necessary, written down. </p>\n<p>When the application of the equity method produces information that is not relevant to the investors, a.s.r. may use the exemption of IAS 28 to measure the investments in those associates at fair value through profit or loss in accordance with IFRS 9. a.s.r. applies fair value measurement for investments in real estate equity funds and mortgage equity funds, over which a.s.r. has significant influence. </p>\n<div class=\"header header-2\">Joint ventures </div>\n<p>Joint ventures are contractual arrangements whereby a.s.r. and one or more parties undertake an economic activity that is subject to joint control. Joint control exists only when the strategic financial and operating decisions relating to the activity require the unanimous consent of the parties sharing control. </p>\n<p>These interests are accounted for using the equity method as applied to associates. The interests are recognised in the financial statements from the date on which a.s.r. first obtains joint control until the date that this joint control ceases. </p>\n<p>If objective evidence of impairment exists, joint ventures are tested for impairment and, if necessary an impairment is recognised in the income statement. </p>\n<div class=\"header header-2\">Joint operations </div>\n<p>a.s.r. has a limited number of non-material joint operations. These are recognised in relation to a.s.r.\u2019s interest in the joint operation\u2019s individual balance sheet and income statement items. </p>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForInvestmentInAssociatesAndJointVenturesExplanatory",
    "language": "en",
    "entity": "scheme:7245000G0HS48PZWUD53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "ixv-600": {
   "value": "\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n1286667\"><span class=\"title-text\">P. Associates and joint ventures </span></h1>\n<div class=\"header header-2\">Associates </div>\n<p>Associates are entities over which a.s.r. has significant influence on operating and financial contracts, without having control. Generally, associates are accounted for using the equity method from the date at which a.s.r. acquires significant influence until the date at which such influence ceases. This means that associates are initially recognised at cost, including any goodwill paid. This value is subsequently adjusted to take account of a.s.r.\u2019s share of the associate\u2019s comprehensive income. Comprehensive income is adjusted in accordance with the accounting principles used by a.s.r. </p>\n<p>Losses are accounted for until the carrying amount of the investment has reached zero. Further provisions are recognised only to the extent that a.s.r. has incurred legal or constructive obligations concerning these associates. </p>\n<p>If objective evidence of impairment exists, associates are tested for impairment and, if necessary, written down. </p>\n<p>When the application of the equity method produces information that is not relevant to the investors, a.s.r. may use the exemption of IAS 28 to measure the investments in those associates at fair value through profit or loss in accordance with IFRS 9. a.s.r. applies fair value measurement for investments in real estate equity funds and mortgage equity funds, over which a.s.r. has significant influence. </p>\n<div class=\"header header-2\">Joint ventures </div>\n<p>Joint ventures are contractual arrangements whereby a.s.r. and one or more parties undertake an economic activity that is subject to joint control. Joint control exists only when the strategic financial and operating decisions relating to the activity require the unanimous consent of the parties sharing control. </p>\n<p>These interests are accounted for using the equity method as applied to associates. The interests are recognised in the financial statements from the date on which a.s.r. first obtains joint control until the date that this joint control ceases. </p>\n<p>If objective evidence of impairment exists, joint ventures are tested for impairment and, if necessary an impairment is recognised in the income statement. </p>\n<div class=\"header header-2\">Joint operations </div>\n<p>a.s.r. has a limited number of non-material joint operations. These are recognised in relation to a.s.r.\u2019s interest in the joint operation\u2019s individual balance sheet and income statement items. </p>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForInvestmentsInJointVentures",
    "language": "en",
    "entity": "scheme:7245000G0HS48PZWUD53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "ixv-601": {
   "value": "\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n1286689\"><span class=\"title-text\">Q. Other assets </span></h1>\n<p>Other assets include accrued investment income, property developments, tax assets and accrued assets. </p>\n<p>Property developments consist of property under development commissioned by third parties. Development property is measured at cost including any incremental costs (if a.s.r. expects to recover those costs), directly related costs to the contract (i.e. labour, materials, allocation of directly related costs, payments to subcontractors) and construction period interest, less any invoiced instalments and impairments. </p>\n<p>Revenue on property development is primarily accounted for at the moment the property is sold. This is a performance obligation satisfied at a point in time. The point in time is the moment a customer obtains control of the promised asset. </p>\n<p>Property developments which are sold can have guarantees (such as rent guarantees or construction guarantees), which may give rise to a separate performance obligation. </p>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForConstructionInProgressExplanatory",
    "language": "en",
    "entity": "scheme:7245000G0HS48PZWUD53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "ixv-603": {
   "value": "\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n1286711\"><span class=\"title-text\">R. Cash and cash equivalents </span></h1>\n<p>Cash and cash equivalents include cash in hand, deposits held at call with banks, cash collateral and other short-term highly liquid investments that are not subject to a significant risk of changes in value. Cash and cash equivalents are measured at fair value through profit or loss. </p>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyToDetermineComponentsOfCashAndCashEquivalents",
    "language": "en",
    "entity": "scheme:7245000G0HS48PZWUD53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "ixv-607": {
   "value": "\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n1286733\"><span class=\"title-text\">S. Equity </span></h1>\n<div class=\"header header-2\">Share capital and share premium reserve </div>\n<p>The share capital disclosed in the balance sheet consists of issued and fully paid-up ordinary shares. The share premium reserve comprises additional paid-in capital in excess of the par value of the shares. </p>\n<div class=\"header header-2\">Reserve for unrealised gains and losses </div>\n<p>This reserve consists of: </p><ul><li>\n<p>Unrealised gains and losses from assets FVOCI net of tax (see accounting policy <a href=\"#n1286373\" title=\"E. Financial assets and financial liabilities\">E</a>); </p></li><li>\n<p>The share of unrealised gains and losses of associates and joint ventures using the equity method held by a.s.r. (see accounting policy <a href=\"#n1286667\" title=\"P. Associates and joint ventures\">P</a>); </p></li><li>\n<p>Unrealised change in value of property for own use (see accounting policy <a href=\"#n1286642\" title=\"O. Property, plant and equipment\">O</a>); </p></li></ul>\n<div class=\"header header-2\">Actuarial gains and losses </div>\n<p>Actuarial gains and losses result from the post-employment benefit pension plans (see accounting policy <a href=\"#n1286442\" title=\"G. Employee benefits\">G</a>). </p>\n<div class=\"header header-2\">Retained earnings </div>\n<p>Retained earnings also include other reserves. </p>\n<div class=\"header header-2\">Other equity instruments </div>\n<p>This item represents the par value of the other equity instruments. Costs directly attributable to the equity issue and the tax impact thereof are recognised in retained earnings. </p>\n<div class=\"header header-2\">Treasury shares </div>\n<p>Treasury shares are a.s.r.\u2019s own ordinary shares that have been issued and subsequently reacquired by a.s.r. Treasury shares are deducted from equity, regardless of the objective of the transaction. No gain or loss is recognised in the income statement on the purchase, sale, issue or cancellation of the instruments. If sold, the difference between the carrying amount and the proceeds is reflected in retained earnings. The consideration paid or received is recognised directly in shareholders\u2019 equity. All treasury shares are eliminated in the calculation of earnings per share and dividend per ordinary share. </p>\n<p>Treasury shares are either required as part of the share buy-back programme, or acquired and resold as part of the employee share purchase plan, see <a href=\"#n1285399\" title=\"Employee Share Purchase Plan\">chapter 7.7.5</a>. </p>\n<div class=\"header header-2\">Non-controlling interest </div>\n<p>The non-controlling interest relates to the equity in a consolidated subsidiary not attributable, directly or indirectly, to a.s.r. (see accounting policy I). </p>\n<div class=\"header header-2\">Dividends on ordinary share capital </div>\n<p>Dividends on ordinary shares are recognised as a liability and recognised in equity when they are approved by a.s.r.\u2019s shareholders. Interim dividends are recognised in equity when they are paid. </p>\n<p>Dividends for the year that are approved after the reporting date are treated as an event after the reporting date. </p>\n<div class=\"header header-2\">Discretionary interest on other equity instruments </div>\n<p>Discretionary interest on other equity instruments is recognised in equity upon payment. The related income tax on these equity instruments is recognised in the income statement. </p>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForIssuedCapitalExplanatory",
    "language": "en",
    "entity": "scheme:7245000G0HS48PZWUD53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "ixv-608": {
   "value": "\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n1286733\"><span class=\"title-text\">S. Equity </span></h1>\n<div class=\"header header-2\">Share capital and share premium reserve </div>\n<p>The share capital disclosed in the balance sheet consists of issued and fully paid-up ordinary shares. The share premium reserve comprises additional paid-in capital in excess of the par value of the shares. </p>\n<div class=\"header header-2\">Reserve for unrealised gains and losses </div>\n<p>This reserve consists of: </p><ul><li>\n<p>Unrealised gains and losses from assets FVOCI net of tax (see accounting policy <a href=\"#n1286373\" title=\"E. Financial assets and financial liabilities\">E</a>); </p></li><li>\n<p>The share of unrealised gains and losses of associates and joint ventures using the equity method held by a.s.r. (see accounting policy <a href=\"#n1286667\" title=\"P. Associates and joint ventures\">P</a>); </p></li><li>\n<p>Unrealised change in value of property for own use (see accounting policy <a href=\"#n1286642\" title=\"O. Property, plant and equipment\">O</a>); </p></li></ul>\n<div class=\"header header-2\">Actuarial gains and losses </div>\n<p>Actuarial gains and losses result from the post-employment benefit pension plans (see accounting policy <a href=\"#n1286442\" title=\"G. Employee benefits\">G</a>). </p>\n<div class=\"header header-2\">Retained earnings </div>\n<p>Retained earnings also include other reserves. </p>\n<div class=\"header header-2\">Other equity instruments </div>\n<p>This item represents the par value of the other equity instruments. Costs directly attributable to the equity issue and the tax impact thereof are recognised in retained earnings. </p>\n<div class=\"header header-2\">Treasury shares </div>\n<p>Treasury shares are a.s.r.\u2019s own ordinary shares that have been issued and subsequently reacquired by a.s.r. Treasury shares are deducted from equity, regardless of the objective of the transaction. No gain or loss is recognised in the income statement on the purchase, sale, issue or cancellation of the instruments. If sold, the difference between the carrying amount and the proceeds is reflected in retained earnings. The consideration paid or received is recognised directly in shareholders\u2019 equity. All treasury shares are eliminated in the calculation of earnings per share and dividend per ordinary share. </p>\n<p>Treasury shares are either required as part of the share buy-back programme, or acquired and resold as part of the employee share purchase plan, see <a href=\"#n1285399\" title=\"Employee Share Purchase Plan\">chapter 7.7.5</a>. </p>\n<div class=\"header header-2\">Non-controlling interest </div>\n<p>The non-controlling interest relates to the equity in a consolidated subsidiary not attributable, directly or indirectly, to a.s.r. (see accounting policy I). </p>\n<div class=\"header header-2\">Dividends on ordinary share capital </div>\n<p>Dividends on ordinary shares are recognised as a liability and recognised in equity when they are approved by a.s.r.\u2019s shareholders. Interim dividends are recognised in equity when they are paid. </p>\n<p>Dividends for the year that are approved after the reporting date are treated as an event after the reporting date. </p>\n<div class=\"header header-2\">Discretionary interest on other equity instruments </div>\n<p>Discretionary interest on other equity instruments is recognised in equity upon payment. The related income tax on these equity instruments is recognised in the income statement. </p>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForTreasurySharesExplanatory",
    "language": "en",
    "entity": "scheme:7245000G0HS48PZWUD53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "ixv-609": {
   "value": "\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n1286760\"><span class=\"title-text\">T. Financing </span></h1>\n<p>Financing includes savings deposits, borrowings, due to customers, due to banks, subordinated liabilities and other financial liabilities. On initial recognition, debt instruments and other loans are stated at fair value, net of transaction costs incurred. Subsequent valuation is at amortised cost. Any difference between the proceeds and the redemption value is recognised in the income statement over the period of the borrowings using the effective interest method. Lease liabilities are included under borrowings and measured in accordance with accounting policy U. </p>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForBorrowingsExplanatory",
    "language": "en",
    "entity": "scheme:7245000G0HS48PZWUD53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "ixv-611": {
   "value": "\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n1286760\"><span class=\"title-text\">T. Financing </span></h1>\n<p>Financing includes savings deposits, borrowings, due to customers, due to banks, subordinated liabilities and other financial liabilities. On initial recognition, debt instruments and other loans are stated at fair value, net of transaction costs incurred. Subsequent valuation is at amortised cost. Any difference between the proceeds and the redemption value is recognised in the income statement over the period of the borrowings using the effective interest method. Lease liabilities are included under borrowings and measured in accordance with accounting policy U. </p>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForFinancialLiabilitiesExplanatory",
    "language": "en",
    "entity": "scheme:7245000G0HS48PZWUD53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "ixv-612": {
   "value": "\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n1286760\"><span class=\"title-text\">T. Financing </span></h1>\n<p>Financing includes savings deposits, borrowings, due to customers, due to banks, subordinated liabilities and other financial liabilities. On initial recognition, debt instruments and other loans are stated at fair value, net of transaction costs incurred. Subsequent valuation is at amortised cost. Any difference between the proceeds and the redemption value is recognised in the income statement over the period of the borrowings using the effective interest method. Lease liabilities are included under borrowings and measured in accordance with accounting policy U. </p>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForTradeAndOtherPayablesExplanatory",
    "language": "en",
    "entity": "scheme:7245000G0HS48PZWUD53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "ixv-616": {
   "value": "\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n1286782\"><span class=\"title-text\">U. Leasing </span></h1>\n<p>A contract is, or contains, a lease if the contract conveys the right to control the use of an identified asset for a period of time in exchange for a consideration. For contracts that contain a lease component and one or more additional lease or non-lease components a.s.r. applies the practical expedient not to separate non-lease components from lease components. </p>\n<p>At the commencement date of the lease, a.s.r. recognises a right-of-use asset and a lease liability. The right-of-use asset comprises the amount of the lease liability at initial measurement. The lease liability is measured at the present value of the lease payments that are not paid at the commencement date. For vehicles, the lease payments are discounted using the interest rate implicit in the lease. For other leases a.s.r.\u2019s incremental borrowing rate is used. </p>\n<p>Subsequently, the right-of-use asset is valued at cost less any cumulated depreciation and any accumulated impairment losses and adjusted for any remeasurement of the lease liability. The lease liability is increased with interest accrued and reduced for lease payments made. When applicable the lease liability is remeasured for changes in future payments resulting from a change in index or lease term. </p>\n<p>The right-of-use assets are presented under property, plant and equipment. The lease liabilities are presented under borrowings. </p>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForLeasesExplanatory",
    "language": "en",
    "entity": "scheme:7245000G0HS48PZWUD53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "ixv-618": {
   "value": "\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n1286804\"><span class=\"title-text\">V1. Insurance contract revenue </span></h1>\n<p>Insurance contract revenue excludes any investment components and is measured as follows. </p>\n<div class=\"header header-2\">Insurance contract revenue \u2013 contracts measured under the GMM or VFA </div>\n<p>a.s.r. recognises insurance contract revenue as it satisfies its performance obligations \u2013 i.e. as it provides coverage or other services required due to groups of insurance contracts. For contracts measured under the GMM or VFA, the insurance contract revenue relating to services provided for each period represents the total of the changes in the liability for remaining coverage that relate to services for which a.s.r. expects to receive consideration. </p>\n<p>Insurance contract revenue consists of the sum of the changes in the liability for remaining coverage due to: </p><ul><li>\n<p>The insurance service expenses incurred in the period measured at the amounts expected at the beginning of the period, excluding: <br/>\u2013 Amounts allocated to the loss component; <br/>\u2013 Repayments of investment components; <br/>\u2013 Amounts that relate to transaction-based taxes collected on behalf of third parties; <br/>\u2013 Insurance acquisition expenses; and <br/>\u2013 Amounts relating to risk adjustment for non-financial risk. </p></li><li>\n<p>The change in the risk adjustment for non-financial risk, excluding: <br/>\u2013 Changes that relate to future service that adjust the CSM; and <br/>\u2013 Amounts allocated to the loss component. </p></li><li>\n<p>The amount of CSM for the services provided in the period; </p></li><li>\n<p>In addition, a.s.r. allocates a portion of premiums that relate to recovering insurance acquisition cash flows to each period in a systematic way based on the passage of time. a.s.r. recognises the allocated amount as insurance contracts revenue and an equal amount as insurance service expenses. </p></li></ul>\n<p>The amount of the CSM of a group of insurance contracts that is recognised as insurance contract revenue in each reporting period is generally determined by considering the quantity of benefits provided from the services per insurance contract and allocating the CSM per insurance contract remaining at the end of the reporting period (before any allocation) equally to the services provided in the reporting period and expected to be provided in future periods. </p>\n<p>Per group of contracts, in accordance with the level of aggregation criteria, the CSM is subsequently released, considering each individual contract, to the current coverage period and to future coverage periods in which the insurance contract service is expected to be provided (considering expected contract terms and survivor, lapse and death assumptions). </p>\n<div class=\"header header-2\">Insurance contract revenue \u2013 contracts measured under the PAA </div>\n<p>For contracts measured under the PAA, the insurance contract revenue for each period is the amount of expected premium receipts for providing coverage in the period. a.s.r. allocates the expected premium receipts to each period on the basis of the passage of time. </p>\n<div class=\"header header-2\">Allocation of reinsurance premiums paid </div>\n<p>a.s.r. allocates reinsurers premiums paid as it receives coverage or other services under groups of reinsurance contracts. For contracts measured under the GMM the allocation of reinsurance premiums paid relating to services received for each reporting period represents the total of the changes in the remaining coverage component that relate to services for which a.s.r. expects to pay consideration. </p>\n<p>For contracts measured under the PAA, the allocation of reinsurance premiums paid for each period is the amount of expected premium payments for receiving coverage in the period. </p>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n1286848\"><span class=\"title-text\">V3. Investment income </span></h1>\n<p>Investment income comprises the direct investment income such as interest income on financial assets, dividends received, rental income from investment property and other direct investment income. Fair value gains and losses includes the net gains on financial assets at FVTPL, net gains on derecognition of financial assets and liabilities at amortised cost and debt instruments at FVOCI, net gains on derecognition of associates at equity method and fair value gains on investment property. </p>\n<div class=\"header header-2\">Interest income </div>\n<p>Interest income for all interest-bearing instruments includes coupons earned on fixed income instruments and is recognised on an accrual basis. Transaction costs attributable to the acquisition of debt securities at fair value through profit or loss are immediately recognised in the income statement. </p>\n<p>When unpaid interest has accrued before the acquisition of an interest-bearing investment, the subsequent receipt of interest is allocated between pre-acquisition and post-acquisition periods; only the post-acquisition portion is recognised as revenue. The pre-acquisition interest is part of the consideration paid. </p>\n<div class=\"header header-3\">Interest rate swaps </div>\n<p>When the two legs of an interest rate swap are settled gross, interest paid and interest received on these swap are not offset. Gross settlement means that both legs of the swap are settled separately: one party receives interest and the other party pays interest. The net amount depends on the market interest rate. Interest received is accounted for as direct investment income, interest paid is accounted for as other finance expense. </p>\n<div class=\"header header-2\">Impairments </div>\n<p>When a receivable is impaired, a lifetime expected credit loss (ECL) is recognised and interest income is calculated on the net carrying amount (that is the gross carrying amount less credit allowance). </p>\n<div class=\"header header-2\">Dividends </div>\n<p>Dividend income is recognised in the income statement when a right to receive payment is established. </p>\n<div class=\"header header-2\">Rental income </div>\n<p>Rental income from investment property is allocated to the period to which they relate. </p>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n1286870\"><span class=\"title-text\">V4. Insurance finance income and expenses </span></h1>\n<p>Insurance finance income and expenses comprise changes in the carrying amounts of groups of insurance and reinsurance contracts, measured through GMM and PAA, arising from the effects of the time value of money, financial risk and changes therein. For direct participating insurance contracts (VFA) the change in the fair value of the underlying items is included in the insurance finance income and expenses. </p>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForRecognitionOfRevenue",
    "language": "en",
    "entity": "scheme:7245000G0HS48PZWUD53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "ixv-619": {
   "value": "\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n1286826\"><span class=\"title-text\">V2. Insurance service expenses </span></h1>\n<p>Insurance service expenses arising from insurance contracts are recognised in the income statement generally as they are incurred. They comprise the following items: </p><ul><li>\n<p>Claims and benefits <br/>- Incurred claims and benefits; <br/>- Losses and reversal of losses on onerous contracts; <br/>- Adjustment of the liabilities for incurred claims and benefits that do not arise from the effects of the time value of money, financial risk and changes therein; </p></li><li>\n<p>Insurance service operating expenses <br/>- Attributable insurance service operating expenses; <br/>- Acquisition costs when incurred for insurance contracts measured under the PAA; and <br/>- Amortisation of insurance acquisition cash flows for contracts not measured under the PAA. </p></li></ul>\n<div class=\"header header-3\">Loss components </div>\n<p>a.s.r. establishes a loss component of the liability for remaining coverage for onerous groups of insurance contracts. The loss component determines the amounts of fulfilment cash flows that are subsequently presented in the income statement as reversals of losses on onerous contracts and are excluded from insurance contract revenue when they occur. When the fulfilment cash flows occur, they are allocated between the loss component and the liability for remaining coverage excluding the loss component on a systematic basis. </p>\n<p>The systematic basis is determined by the proportion of the loss component relative to the total estimate of the present value of the future cash outflows plus the risk adjustment for non-financial risk at the beginning of each period (or on initial recognition if a group of contracts is initially recognised in the period). </p>\n<p>Decreases in fulfilment cash flows relating to future services or increases in a.s.r.\u2019s share of the fair value of any underlying items are allocated solely to the loss component. If the loss component is reduced to zero, then any excess over the amount allocated to the loss component creates a new CSM for the group of contracts. </p>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n1286870\"><span class=\"title-text\">V4. Insurance finance income and expenses </span></h1>\n<p>Insurance finance income and expenses comprise changes in the carrying amounts of groups of insurance and reinsurance contracts, measured through GMM and PAA, arising from the effects of the time value of money, financial risk and changes therein. For direct participating insurance contracts (VFA) the change in the fair value of the underlying items is included in the insurance finance income and expenses. </p>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForExpensesExplanatory",
    "language": "en",
    "entity": "scheme:7245000G0HS48PZWUD53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "ixv-620": {
   "value": "\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n1286848\"><span class=\"title-text\">V3. Investment income </span></h1>\n<p>Investment income comprises the direct investment income such as interest income on financial assets, dividends received, rental income from investment property and other direct investment income. Fair value gains and losses includes the net gains on financial assets at FVTPL, net gains on derecognition of financial assets and liabilities at amortised cost and debt instruments at FVOCI, net gains on derecognition of associates at equity method and fair value gains on investment property. </p>\n<div class=\"header header-2\">Interest income </div>\n<p>Interest income for all interest-bearing instruments includes coupons earned on fixed income instruments and is recognised on an accrual basis. Transaction costs attributable to the acquisition of debt securities at fair value through profit or loss are immediately recognised in the income statement. </p>\n<p>When unpaid interest has accrued before the acquisition of an interest-bearing investment, the subsequent receipt of interest is allocated between pre-acquisition and post-acquisition periods; only the post-acquisition portion is recognised as revenue. The pre-acquisition interest is part of the consideration paid. </p>\n<div class=\"header header-3\">Interest rate swaps </div>\n<p>When the two legs of an interest rate swap are settled gross, interest paid and interest received on these swap are not offset. Gross settlement means that both legs of the swap are settled separately: one party receives interest and the other party pays interest. The net amount depends on the market interest rate. Interest received is accounted for as direct investment income, interest paid is accounted for as other finance expense. </p>\n<div class=\"header header-2\">Impairments </div>\n<p>When a receivable is impaired, a lifetime expected credit loss (ECL) is recognised and interest income is calculated on the net carrying amount (that is the gross carrying amount less credit allowance). </p>\n<div class=\"header header-2\">Dividends </div>\n<p>Dividend income is recognised in the income statement when a right to receive payment is established. </p>\n<div class=\"header header-2\">Rental income </div>\n<p>Rental income from investment property is allocated to the period to which they relate. </p>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForDividendsExplanatory",
    "language": "en",
    "entity": "scheme:7245000G0HS48PZWUD53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "ixv-621": {
   "value": "\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n1286848\"><span class=\"title-text\">V3. Investment income </span></h1>\n<p>Investment income comprises the direct investment income such as interest income on financial assets, dividends received, rental income from investment property and other direct investment income. Fair value gains and losses includes the net gains on financial assets at FVTPL, net gains on derecognition of financial assets and liabilities at amortised cost and debt instruments at FVOCI, net gains on derecognition of associates at equity method and fair value gains on investment property. </p>\n<div class=\"header header-2\">Interest income </div>\n<p>Interest income for all interest-bearing instruments includes coupons earned on fixed income instruments and is recognised on an accrual basis. Transaction costs attributable to the acquisition of debt securities at fair value through profit or loss are immediately recognised in the income statement. </p>\n<p>When unpaid interest has accrued before the acquisition of an interest-bearing investment, the subsequent receipt of interest is allocated between pre-acquisition and post-acquisition periods; only the post-acquisition portion is recognised as revenue. The pre-acquisition interest is part of the consideration paid. </p>\n<div class=\"header header-3\">Interest rate swaps </div>\n<p>When the two legs of an interest rate swap are settled gross, interest paid and interest received on these swap are not offset. Gross settlement means that both legs of the swap are settled separately: one party receives interest and the other party pays interest. The net amount depends on the market interest rate. Interest received is accounted for as direct investment income, interest paid is accounted for as other finance expense. </p>\n<div class=\"header header-2\">Impairments </div>\n<p>When a receivable is impaired, a lifetime expected credit loss (ECL) is recognised and interest income is calculated on the net carrying amount (that is the gross carrying amount less credit allowance). </p>\n<div class=\"header header-2\">Dividends </div>\n<p>Dividend income is recognised in the income statement when a right to receive payment is established. </p>\n<div class=\"header header-2\">Rental income </div>\n<p>Rental income from investment property is allocated to the period to which they relate. </p>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n1286870\"><span class=\"title-text\">V4. Insurance finance income and expenses </span></h1>\n<p>Insurance finance income and expenses comprise changes in the carrying amounts of groups of insurance and reinsurance contracts, measured through GMM and PAA, arising from the effects of the time value of money, financial risk and changes therein. For direct participating insurance contracts (VFA) the change in the fair value of the underlying items is included in the insurance finance income and expenses. </p>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForFinanceIncomeAndCostsExplanatory",
    "language": "en",
    "entity": "scheme:7245000G0HS48PZWUD53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "ixv-623": {
   "value": "\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n1286848\"><span class=\"title-text\">V3. Investment income </span></h1>\n<p>Investment income comprises the direct investment income such as interest income on financial assets, dividends received, rental income from investment property and other direct investment income. Fair value gains and losses includes the net gains on financial assets at FVTPL, net gains on derecognition of financial assets and liabilities at amortised cost and debt instruments at FVOCI, net gains on derecognition of associates at equity method and fair value gains on investment property. </p>\n<div class=\"header header-2\">Interest income </div>\n<p>Interest income for all interest-bearing instruments includes coupons earned on fixed income instruments and is recognised on an accrual basis. Transaction costs attributable to the acquisition of debt securities at fair value through profit or loss are immediately recognised in the income statement. </p>\n<p>When unpaid interest has accrued before the acquisition of an interest-bearing investment, the subsequent receipt of interest is allocated between pre-acquisition and post-acquisition periods; only the post-acquisition portion is recognised as revenue. The pre-acquisition interest is part of the consideration paid. </p>\n<div class=\"header header-3\">Interest rate swaps </div>\n<p>When the two legs of an interest rate swap are settled gross, interest paid and interest received on these swap are not offset. Gross settlement means that both legs of the swap are settled separately: one party receives interest and the other party pays interest. The net amount depends on the market interest rate. Interest received is accounted for as direct investment income, interest paid is accounted for as other finance expense. </p>\n<div class=\"header header-2\">Impairments </div>\n<p>When a receivable is impaired, a lifetime expected credit loss (ECL) is recognised and interest income is calculated on the net carrying amount (that is the gross carrying amount less credit allowance). </p>\n<div class=\"header header-2\">Dividends </div>\n<p>Dividend income is recognised in the income statement when a right to receive payment is established. </p>\n<div class=\"header header-2\">Rental income </div>\n<p>Rental income from investment property is allocated to the period to which they relate. </p>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForInterestIncomeAndExpenseExplanatory",
    "language": "en",
    "entity": "scheme:7245000G0HS48PZWUD53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "ixv-630": {
   "value": "\n<h1 class=\"S_PARAGRAPH\" id=\"n1287035\"><span class=\"number\">7.4.1 </span><span class=\"title-text\">Group structure </span></h1>\n<p>The group comprises a number of operating and holding companies. Except where indicated, a.s.r. is 100% shareholder of these companies. </p><img alt=\"\" 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\" style=\"width:1920px;max-width:100%;\"/>\n\n<div class=\"header header-1\">Segment information </div>\n<p>The operations of a.s.r. have been divided into six (2022: five) operating segments. The main segments are the Non-life and Life segment in which all insurance activities are presented. The other activities are presented as four separate segments being Asset Management, Banking, Distribution and Services and Holding and Other. </p>\n<div class=\"header header-1\">Insurance activities </div>\n<p>Insurance entities are entities that accept the transfer of insurance risks from policyholders. The Non-life segment consists of non-life insurance entities and their subsidiaries. These non-life insurance entities offer non-life insurance contracts such as disability insurance and property and casualty insurance. The Life segment comprises the life insurance entities and their subsidiaries. This life insurance entities offer financial products such as life insurance contracts and life insurance contracts on behalf of policyholders. The Life segment also includes ASR Premiepensioeninstelling N.V. (a.s.r. IORP) and Aegon Cappital B.V. (Aegon IORP) which offer investment contracts to policyholders that bear no insurance risk and for which the actual return on investments allocated to the contract is passed on to the policyholder. The Non-life and Life segments have different levels of profitability and growth opportunities, as well as a different outlook and risk profile. See <a href=\"#n1285581\" title=\"List of principal group companies\">chapter 7.7.8</a> for a list of principal group companies and associates in the relevant segments. </p>\n<div class=\"header header-1\">Other activities </div>\n<p>The other activities consist of: </p><ul><li>\n<p>The Asset Management segment involves all activities related to asset management including investment property management. These activities include amongst others ASR Vermogensbeheer N.V., ASR Financieringen B.V., ASR Real Estate B.V., ASR Hypotheken B.V. and AEGON Hypotheken B.V. (Aegon hypotheken); </p></li><li>\n<p>The Banking segment consists of the Knab activities (Aegon Bank N.V.); </p></li><li>\n<p>The Distribution and Services segment includes the activities related to distribution of insurance contracts and include amongst others the financial intermediary business of PoliService B.V., Van Kampen Groep Holding B.V. (and Van Kampen Geld B.V. and Anac Backoffice B.V.), Dutch ID B.V. (and Felison Assuradeuren B.V. and Boval Assuranti\u00ebn B.V.), Supergarant Verzekeringen B.V. (and ZZP Nederland Verzekeringen B.V.), Corins B.V., Nedasco B.V., Robidus Groep B.V., TKP Pensioen B.V., Aegon Advies B.V. and AEGON Bemiddeling B.V.; </p></li><li>\n<p>The segment Holding and Other consists primarily of the holding activities of a.s.r. (including the group related activities), other holding and intermediate holding companies, the real estate development business (ASR Vastgoed Projecten B.V.), ASR Vitaliteit &amp; Preventieve Diensten B.V (Vitality), ASR Vooruit B.V., the investment firm that performs activities related to private investing for customers and the minority participations of ASR Deelnemingen N.V. </p></li></ul>\n<p>The eliminations applied in the reconciliation of the segment information to the consolidated balance sheet and the consolidated income statement are separately presented in <a href=\"#n1287063\" title=\"Segmented balance sheet\">chapter 7.4.2</a> and <a href=\"#n1287085\" title=\"Segmented income statement and operating result\">7.4.3</a>. </p>\n<p>The a.s.r. segment reporting shows the financial performance of each segment. The purpose is to allocate all items in the balance sheet and income statement to the segments that hold full management responsibility for them. </p>\n<p>Segment information has been prepared in accordance with the accounting principles used for the preparation of a.s.r.\u2019s consolidated financial statements (see <a href=\"#n1286070\" title=\"Accounting policies\">chapter 7.3</a>). Goodwill and other intangibles are presented in the related CGU\u2019s segment. Intersegment transactions are conducted at arm\u2019s length conditions. In general, costs related to centralised services are allocated to the segments based on the utilisation of these services. </p>\n<p>The segments are assessed on their operating result as defined in <a href=\"#n1286915\" title=\"Operating result\">chapter 7.10</a>. </p>\n<div class=\"tanPageBreak start-node\"> </div>\n<h1 class=\"S_PARAGRAPH\" id=\"n1287063\"><span class=\"number\">7.4.2 </span><span class=\"title-text\">Segmented balance sheet </span></h1>\n<h3 class=\"table-title\">Segmented balance sheet </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:0%;\"/><col style=\"width:9%;\"/><col style=\"width:9%;\"/><col style=\"width:9%;\"/><col style=\"width:9%;\"/><col style=\"width:9%;\"/><col style=\"width:9%;\"/><col style=\"width:9%;\"/><col style=\"width:9%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;\">As at December 2023 </th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">Non-life </th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">Life </th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">Asset Management </th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">Banking </th><th class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">Distribution and Services </th><th class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">Holding and Other </th><th class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">Eliminations </th><th class=\"startCol-9 endCol-9 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">Total </th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Intangible assets </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">36 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">107 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">102 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">28 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">377 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-9 endCol-9 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">649 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Property, plant and equipment </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">632 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">30 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">282 </td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-212 </td><td class=\"startCol-9 endCol-9 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">732 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Investment property </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">50 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">3,001 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-9 endCol-9 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">3,051 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Associates and joint ventures at equity method </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">215 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">12 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">71 </td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-9 endCol-9 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">298 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Investments </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">9,947 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">66,979 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,687 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">13,159 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">11 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1,057 </td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-1,374 </td><td class=\"startCol-9 endCol-9 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">92,466 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Investments related to direct participating contracts </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">30,352 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-9 endCol-9 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">30,352 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Derivatives </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">76 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">11,237 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">309 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1,285 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-9 endCol-9 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">12,907 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Deferred tax assets </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">968 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-332 </td><td class=\"startCol-9 endCol-9 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">636 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Reinsurance contract assets </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">284 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">217 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-9 endCol-9 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">501 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Other assets </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">105 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">769 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">275 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">123 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">252 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">5,736 </td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-5,996 </td><td class=\"startCol-9 endCol-9 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1,265 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Cash and cash equivalents </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">191 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">4,654 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">254 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,538 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">81 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">193 </td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-9 endCol-9 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">7,910 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total assets </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>10,689 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>119,131 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>3,627 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>17,134 </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>764 </b></td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>7,339 </b></td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-7,914 </b></td><td class=\"startCol-9 endCol-9 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>150,768 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-8 endCol-8 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-9 endCol-9 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Equity attributable to holders of equity instruments </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,652 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">6,878 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">489 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">750 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">297 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-1,695 </td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-29 </td><td class=\"startCol-9 endCol-9 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">9,342 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Non-controlling interests </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">6 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">31 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">7 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-9 </td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-9 endCol-9 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">35 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total equity </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>2,658 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>6,909 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>489 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>750 </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>304 </b></td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-1,704 </b></td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-29 </b></td><td class=\"startCol-9 endCol-9 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>9,377 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-8 endCol-8 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-9 endCol-9 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Subordinated liabilities </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">95 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,005 </td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-95 </td><td class=\"startCol-9 endCol-9 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,005 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Insurance contract liabilities </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">7,237 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">58,841 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-2,776 </td><td class=\"startCol-9 endCol-9 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">63,302 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Liabilities arising from direct participating insurance contracts </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">39,025 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-2,943 </td><td class=\"startCol-9 endCol-9 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">36,082 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Employee benefits </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">5,218 </td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-9 endCol-9 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">5,218 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Provisions </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">321 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">7 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">84 </td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-9 endCol-9 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">414 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Borrowings </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">710 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,720 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">3,049 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">192 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1,172 </td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-1,460 </td><td class=\"startCol-9 endCol-9 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">6,384 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Derivatives </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">318 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">8,840 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">269 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">706 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-9 endCol-9 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">10,132 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Deferred tax liabilities </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">5 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">7 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">16 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">53 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">185 </td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-266 </td><td class=\"startCol-9 endCol-9 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Savings deposits </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">11,967 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-9 endCol-9 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">11,967 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Due to banks </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">16 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">3,757 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">539 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">200 </td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-9 endCol-9 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">4,512 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Other liabilities </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">358 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">728 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">141 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">107 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">208 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">179 </td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-345 </td><td class=\"startCol-9 endCol-9 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1,376 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total liabilities </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>8,031 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>112,222 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>3,137 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>16,384 </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>460 </b></td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>9,043 </b></td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-7,885 </b></td><td class=\"startCol-9 endCol-9 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>141,391 </b></td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-8 endCol-8 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-9 endCol-9 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total equity and liabilities </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>10,689 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>119,131 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>3,627 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>17,134 </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>764 </b></td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>7,339 </b></td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-7,914 </b></td><td class=\"startCol-9 endCol-9 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>150,768 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-8 endCol-8 valign-top border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-9 endCol-9 valign-top border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Additions to </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-8 endCol-8 valign-top border-bottom-1 border-left-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-9 endCol-9 valign-top border-bottom-1 border-left-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Intangible assets </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">10 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">43 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">64 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">29 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">224 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-9 endCol-9 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">370 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Property, plant and equipment </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">40 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">24 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">57 </td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-9 endCol-9 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">121 </td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total additions </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>10 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>84 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>64 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>29 </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>248 </b></td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>57 </b></td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-9 endCol-9 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>490 </b></td></tr></tbody></table> <br/>\n<h3 class=\"table-title\">Segmented balance sheet </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:0%;\"/><col style=\"width:9%;\"/><col style=\"width:9%;\"/><col style=\"width:12%;\"/><col style=\"width:12%;\"/><col style=\"width:12%;\"/><col style=\"width:9%;\"/><col style=\"width:9%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;\">As at December 2022 </th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">Non-life </th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">Life </th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">Asset Management </th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">Distribution and Services </th><th class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">Holding and Other </th><th class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">Eliminations </th><th class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">Total </th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Intangible assets </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">30 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">68 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">41 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">183 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">322 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Property, plant and equipment </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">637 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">13 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">238 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-209 </td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">679 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Investment property </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">49 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">616 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">664 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Associates and joint ventures at equity method </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">3 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">9 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">66 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">79 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Investments </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">7,931 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">31,225 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">22 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">15 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2,223 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-338 </td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">41,077 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Investments related to direct participating contracts </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">9,912 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">9,912 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Derivatives </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">195 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">5,563 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">3 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">5,761 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Deferred tax assets </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">746 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-428 </td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">318 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Reinsurance contract assets </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">248 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">133 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">381 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Other assets </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">28 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">356 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">26 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">50 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">3,062 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-3,062 </td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">460 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Cash and cash equivalents </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">262 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,721 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">85 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">46 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">132 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2,246 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total assets </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>8,744 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>50,979 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>174 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>316 </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>5,723 </b></td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-4,037 </b></td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>61,899 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-8 endCol-8 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Equity attributable to holders of equity instruments </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2,329 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">3,328 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">150 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">45 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">266 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">31 </td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">6,150 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Non-controlling interests </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">4 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">22 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">27 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total equity </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>2,333 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>3,350 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>150 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>45 </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>267 </b></td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>31 </b></td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>6,177 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-8 endCol-8 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Subordinated liabilities </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">72 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2,005 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-72 </td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2,005 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Insurance contract liabilities </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">5,738 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">28,591 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-2,689 </td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">31,640 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Liabilities arising from direct participating insurance contracts </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">10,463 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">10,463 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Employee benefits </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2,742 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2,742 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Provisions </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">13 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">4 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">18 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Borrowings </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">173 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">200 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">307 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-491 </td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">188 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Derivatives </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">327 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">5,355 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">5,681 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Deferred tax liabilities </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">302 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">6 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">9 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">101 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-417 </td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Due to banks </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">21 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2,165 </td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">78 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2,264 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Other liabilities </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-50 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">869 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">18 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">62 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">220 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-399 </td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">721 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total liabilities </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>6,411 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>47,629 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>24 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>270 </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>5,457 </b></td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-4,068 </b></td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>55,723 </b></td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-8 endCol-8 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total equity and liabilities </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>8,744 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>50,979 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>174 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>316 </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>5,723 </b></td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-4,037 </b></td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>61,899 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-8 endCol-8 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Additions to </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-8 endCol-8 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Intangible assets </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">6 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">18 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">25 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Property, plant and equipment </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">169 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">5 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">5 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">179 </td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total additions </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>170 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>6 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>22 </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>5 </b></td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>204 </b></td></tr></tbody></table> <br/>\n<div class=\"tanPageBreak start-node\"> </div>\n<h1 class=\"S_PARAGRAPH\" id=\"n1287085\"><span class=\"number\">7.4.3 </span><span class=\"title-text\">Segmented income statement and operating result </span></h1>\n<h3 class=\"table-title\">Segmented income statement and operating result </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:34%;\"/><col style=\"width:8%;\"/><col style=\"width:8%;\"/><col style=\"width:8%;\"/><col style=\"width:8%;\"/><col style=\"width:8%;\"/><col style=\"width:8%;\"/><col style=\"width:8%;\"/><col style=\"width:10%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;\">2023 </th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">Non-life </th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">Life </th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">Asset Management </th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">Banking </th><th class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">Distribution and Services </th><th class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">Holding and Other </th><th class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">Eliminations </th><th class=\"startCol-9 endCol-9 valign-bottom align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">Total </th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Insurance contract revenue </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">5,379 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,898 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-182 </td><td class=\"startCol-9 endCol-9 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">8,095 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><i>Incurred claims and benefits </i></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><i>-4,267 </i></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><i>-2,298 </i></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><i>- </i></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><i>- </i></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><i>- </i></td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><i>164 </i></td><td class=\"startCol-9 endCol-9 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><i>-6,400 </i></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><i>Insurance service operating expenses </i></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><i>-966 </i></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><i>-264 </i></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><i>- </i></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><i>- </i></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><i>- </i></td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><i>2 </i></td><td class=\"startCol-9 endCol-9 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><i>-1,227 </i></td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Insurance service expenses </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-5,232 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-2,562 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">166 </td><td class=\"startCol-9 endCol-9 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-7,628 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Insurance service result before reinsurance </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>147 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>336 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-15 </b></td><td class=\"startCol-9 endCol-9 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>468 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Allocation of reinsurance premiums paid </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-122 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-438 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-9 endCol-9 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-560 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Amounts recoverable from reinsurers </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">110 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">422 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-9 endCol-9 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">532 </td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Net expenses from reinsurance contracts </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-12 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-16 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-9 endCol-9 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-27 </b></td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Insurance service result </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>135 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>320 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-15 </b></td><td class=\"startCol-9 endCol-9 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>440 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-8 endCol-8 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-9 endCol-9 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Direct investment income </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">396 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">3,658 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">89 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">495 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">5 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">72 </td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-83 </td><td class=\"startCol-9 endCol-9 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">4,633 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Net fair value gains and (losses) </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">186 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">4,571 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-14 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-31 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">21 </td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-15 </td><td class=\"startCol-9 endCol-9 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">4,718 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Impairments on financial assets </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-23 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-1 </td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-9 endCol-9 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-20 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Net finance expenses from insurance contracts </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-253 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-5,157 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">205 </td><td class=\"startCol-9 endCol-9 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-5,205 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Net finance income from reinsurance contracts </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">10 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-16 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-9 endCol-9 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-6 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Other finance expenses </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-143 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-2,031 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-54 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-285 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-7 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-87 </td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-129 </td><td class=\"startCol-9 endCol-9 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-2,736 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Investment operating expenses </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-11 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-103 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-98 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-82 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-2 </td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">80 </td><td class=\"startCol-9 endCol-9 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-216 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Investment and finance result </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>184 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>922 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-98 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>98 </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-2 </b></td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>4 </b></td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>59 </b></td><td class=\"startCol-9 endCol-9 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>1,167 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-8 endCol-8 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-9 endCol-9 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Share of result of associates and joint ventures </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">6 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2 </td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-9 endCol-9 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">8 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Fee income </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">54 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">248 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">3 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">244 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-215 </td><td class=\"startCol-9 endCol-9 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">334 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Other income </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">12 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">105 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">111 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">17 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">6 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">149 </td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-10 </td><td class=\"startCol-9 endCol-9 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">389 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total other income </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>12 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>165 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>359 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>20 </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>251 </b></td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>152 </b></td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-226 </b></td><td class=\"startCol-9 endCol-9 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>731 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-8 endCol-8 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-9 endCol-9 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Other expenses </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-58 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-434 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-134 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-15 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-248 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-203 </td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">143 </td><td class=\"startCol-9 endCol-9 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-950 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Other income and expenses </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-46 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-269 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>224 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>5 </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>3 </b></td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-52 </b></td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-83 </b></td><td class=\"startCol-9 endCol-9 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-218 </b></td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-8 endCol-8 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-9 endCol-9 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Result before tax </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>273 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>973 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>126 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>102 </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>1 </b></td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-48 </b></td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-39 </b></td><td class=\"startCol-9 endCol-9 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>1,389 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-8 endCol-8 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-9 endCol-9 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Income tax (expense) / gain </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-69 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-239 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-33 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-26 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-4 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">58 </td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">10 </td><td class=\"startCol-9 endCol-9 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-303 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Net result </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>205 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>734 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>94 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>76 </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-3 </b></td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>10 </b></td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-30 </b></td><td class=\"startCol-9 endCol-9 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>1,086 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-8 endCol-8 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-9 endCol-9 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">- Shareholders of the parent </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">205 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">734 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">94 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">76 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-3 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-38 </td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-30 </td><td class=\"startCol-9 endCol-9 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1,038 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">- Holders of other equity instruments </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">48 </td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-9 endCol-9 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">48 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Result attributable to holders of equity instruments </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>205 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>734 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>94 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>76 </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-3 </b></td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>10 </b></td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-30 </b></td><td class=\"startCol-9 endCol-9 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>1,086 </b></td></tr></tbody></table> <br/>\n<p>a.s.r. decided to use the \u2018look through\u2019 approach on a group level when calculating the CSM, representing all income and expenses of the group related to insurance contracts. As a result the services of a.s.r. asset management related to insurance contracts measured under the variable fee approach are reflected in the insurance service result of the Life segment, as well as the segment Asset management, and subsequently reversed in \u2018other income and other expenses\u2019 within the segment Life. a.s.r. considers this to be a true and fair view. It reflects the measure reported to the Executive Board, as chief operating decision maker, for the purpose of making decisions about allocating resources to the segment and assessing its performance. </p>\n<h3 class=\"table-title\">Operating result </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:35%;\"/><col style=\"width:8%;\"/><col style=\"width:8%;\"/><col style=\"width:8%;\"/><col style=\"width:8%;\"/><col style=\"width:8%;\"/><col style=\"width:8%;\"/><col style=\"width:8%;\"/><col style=\"width:9%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;\">2023 </th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">Non-life </th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">Life </th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">Asset Management </th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">Banking </th><th class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">Distribution and Services </th><th class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">Holding and Other </th><th class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">Eliminations </th><th class=\"startCol-9 endCol-9 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">Total </th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Result before tax </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>273 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>973 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>126 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>102 </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>1 </b></td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-48 </b></td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-39 </b></td><td class=\"startCol-9 endCol-9 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>1,389 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">Minus adjustments related to the insurance service result </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-106 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">47 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-16 </td><td class=\"startCol-9 endCol-9 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-75 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">Minus adjustments related to the investment and finance result </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">29 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">513 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-30 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-36 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">123 </td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-21 </td><td class=\"startCol-9 endCol-9 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">579 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">Minus adjustments related to the other result </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-30 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-275 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">77 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-29 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">25 </td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-9 endCol-9 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-231 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-8 endCol-8 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-9 endCol-9 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Operating result </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>381 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>688 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>78 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>139 </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>30 </b></td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-197 </b></td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-3 </b></td><td class=\"startCol-9 endCol-9 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>1,117 </b></td></tr></tbody></table> <br/>\n<p>In 2023, adjustments related to the insurance service result (<span style=\"white-space:nowrap;\">\u20ac\u00a0-75 million</span>) mainly consist of the non-economic assumption update for inflation in the liability of incurred claims of Disability (\u20ac\u00a0-87 million) in the segment Non-life. </p>\n<p>Adjustments related to the investment and finance result (<span style=\"white-space:nowrap;\">\u20ac\u00a0579 million</span>) were mainly related to fair value revaluations driven by decreasing interest rates in 2023. </p>\n<p>Adjustments related to the other result (<span style=\"white-space:nowrap;\">\u20ac\u00a0-231 million</span>) consists on the one hand of provisions made following the agreement with claim organisations on Unit Linked-life insurance transparency (see <a href=\"#n1285470\" title=\"Pending litigation portfolio and product-related issues\">chapter 7.7.6.2</a>). In the Life segment a provision is made of in total\u00a0<span style=\"white-space:nowrap;\">\u20ac\u00a0300 million</span> which includes an additional provision of <span style=\"white-space:nowrap;\">\u20ac\u00a050 million</span> to facilitate individual claims of customers in distressing situations. On the other hand in the Asset Management segment an adjustment was made for the net positive impact from the Aegon transaction and the exchange of investment portfolios. In the Distribution and Services segment an impairment of goodwill <span style=\"white-space:nowrap;\">(\u20ac\u00a0-13 million)</span> and amortisations of other intangible assets were adjusted for. In the Holding and Other segment the positive adjustment for the purchase gain on the Aegon transaction was partially set off by expenses for integration of the Aegon business lines and expenses for innovation projects. </p>\n<p>For more information including an explanation of the new definition, see chapter <a href=\"#n1286915\" title=\"Operating result\">7.10</a>. </p>\n<h3 class=\"table-title\">Impairments </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:0%;\"/><col style=\"width:12%;\"/><col style=\"width:9%;\"/><col style=\"width:9%;\"/><col style=\"width:9%;\"/><col style=\"width:9%;\"/><col style=\"width:9%;\"/><col style=\"width:9%;\"/><col style=\"width:9%;\"/><col style=\"width:9%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;\">2023 </th><th class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">Non-life </th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">Life </th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">Asset Management </th><th class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">Banking </th><th class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">Distribution and Services </th><th class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">Holding and Other </th><th class=\"startCol-9 endCol-9 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">Eliminations </th><th class=\"startCol-10 endCol-10 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">Total </th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Intangible assets </td><td class=\"startCol-2 endCol-2 valign-bottom border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Impairment </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-13 </td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-9 endCol-9 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-10 endCol-10 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-13 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-bottom border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Reversal </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-9 endCol-9 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-10 endCol-10 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Investments </td><td class=\"startCol-2 endCol-2 valign-bottom border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Impairment </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-1 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">3 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-1 </td><td class=\"startCol-9 endCol-9 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-10 endCol-10 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-bottom border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Reversal </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-9 endCol-9 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-10 endCol-10 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Other assets </td><td class=\"startCol-2 endCol-2 valign-bottom border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Impairment </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-22 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-9 endCol-9 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-10 endCol-10 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-22 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-bottom border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Reversal </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1 </td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-9 endCol-9 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-10 endCol-10 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1 </td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total Impairments </b></td><td class=\"startCol-2 endCol-2 valign-bottom border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Impairment </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-23 </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>3 </b></td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-13 </b></td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-1 </b></td><td class=\"startCol-9 endCol-9 valign-bottom align-right border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-10 endCol-10 valign-bottom align-right border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-34 </b></td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-bottom border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Reversal </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>1 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-right-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-9 endCol-9 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-10 endCol-10 valign-bottom align-right border-bottom-1 border-left-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>1 </b></td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-8 endCol-8 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-9 endCol-9 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-10 endCol-10 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-bottom align-left border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>1 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-23 </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>3 </b></td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-13 </b></td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-1 </b></td><td class=\"startCol-9 endCol-9 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-10 endCol-10 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-33 </b></td></tr></tbody></table> <br/>\n<div class=\"tanPageBreak newPage\"> </div>\n<h3 class=\"table-title\">Segmented income statement and operating result </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:0%;\"/><col style=\"width:10%;\"/><col style=\"width:10%;\"/><col style=\"width:10%;\"/><col style=\"width:10%;\"/><col style=\"width:10%;\"/><col style=\"width:10%;\"/><col style=\"width:10%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;\">2022 </th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">Non-life </th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">Life </th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">Asset Management </th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">Distribution and Services </th><th class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">Holding and Other </th><th class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">Eliminations </th><th class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">Total </th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Insurance contract revenue </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">4,242 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,446 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-142 </td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">5,547 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><i>Incurred claims and benefits </i></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><i>-3,337 </i></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><i>-1,263 </i></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><i>- </i></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><i>- </i></td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><i>64 </i></td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><i>-4,537 </i></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><i>Insurance service operating expenses </i></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><i>-873 </i></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><i>-178 </i></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><i>- </i></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><i>- </i></td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><i>- </i></td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><i>-1,050 </i></td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Insurance service expenses </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-4,210 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-1,441 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">64 </td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-5,587 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Insurance service result before reinsurance </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>32 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>5 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-78 </b></td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-40 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Allocation of reinsurance premiums paid </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-92 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-17 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-110 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Amounts recoverable from reinsurers </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">75 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">12 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">86 </td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Net expenses from reinsurance contracts </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-18 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-6 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-23 </b></td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Insurance service result </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>15 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-78 </b></td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-63 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-8 endCol-8 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Direct investment income </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">192 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,510 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">15 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-10 </td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,708 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Net fair value gains and (losses) </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-1,489 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-13,759 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-1 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-17 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-18 </td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-15,284 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Net finance expenses from insurance contracts </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,289 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">11,626 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-1,012 </td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">11,903 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Net finance income from reinsurance contracts </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-26 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-41 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-67 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Other finance expenses </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-25 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-339 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-2 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-965 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">882 </td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-449 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Investment operating expenses </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-11 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-65 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-49 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-4 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">59 </td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-70 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Investment and finance result </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-69 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-1,069 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-49 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-3 </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-971 </b></td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-98 </b></td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-2,259 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-8 endCol-8 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Share of result of associates and joint ventures </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-3 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-3 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Fee income </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">24 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">164 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">122 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-110 </td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">200 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Other income </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">104 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">15 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-11 </td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">109 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total other income </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>1 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>128 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>164 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>124 </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>11 </b></td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-121 </b></td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>306 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-8 endCol-8 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Other expenses </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-29 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-22 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-77 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-108 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-140 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">67 </td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-307 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Other income and expenses </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-27 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>106 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>87 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>16 </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-128 </b></td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-54 </b></td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-1 </b></td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-8 endCol-8 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Result before tax </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-82 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-963 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>38 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>13 </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-1,099 </b></td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-230 </b></td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-2,323 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-8 endCol-8 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Income tax (expense) / gain </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">22 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">249 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-10 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-4 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">290 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">59 </td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">606 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Net result </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-61 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-714 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>28 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>10 </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-810 </b></td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-171 </b></td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-1,717 </b></td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-8 endCol-8 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Attributable to: </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-8 endCol-8 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Non-controlling interests </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-9 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-8 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-8 endCol-8 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">- Shareholders of the parent </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-61 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-715 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">28 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">9 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-848 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-171 </td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-1,757 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">- Holders of other equity instruments </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">48 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">48 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Result attributable to holders of equity instruments </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-61 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-715 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>28 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>9 </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-800 </b></td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-171 </b></td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-1,709 </b></td></tr></tbody></table> <br/>\n<p>The increase in the market interest rates in 2022 resulted in a decrease of the employee benefits of \u20ac\u00a01.2 billion. The corresponding asset in segment Holding and Other (related to the insurance contract in Life segment based on IFRS 17 valuation) decreased accordingly with \u20ac\u00a00.9 billion. This decrease in the employee benefits is accounted for directly in OCI (remeasurements of post-employment benefit obligation), whilst the related decrease of the corresponding asset is accounted for in the income statement as part of the investment and finance result (net fair value gains and (losses) and other finance expenses). The negative 2022 result in segment Holding and Other is mainly caused by this accounting mismatch, which is subsequently eliminated in the Eliminations (since it is related to the insurance contract in Life segment). </p>\n<h3 class=\"table-title\">Operating result </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:auto;\"/><col style=\"width:10%;\"/><col style=\"width:10%;\"/><col style=\"width:10%;\"/><col style=\"width:10%;\"/><col style=\"width:10%;\"/><col style=\"width:10%;\"/><col style=\"width:10%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;\">2022 </th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">Non-life </th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">Life </th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">Asset Management </th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">Distribution and Services </th><th class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">Holding and Other </th><th class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">Eliminations </th><th class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">Total </th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Result before tax </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-82 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-963 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>38 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>13 </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-1,099 </b></td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-230 </b></td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-2,323 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">Minus adjustments related to the insurance service result </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-141 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-171 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-78 </td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-390 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">Minus adjustments related to the investment and finance result </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-185 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-1,443 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-1 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-907 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-158 </td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-2,694 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">Minus adjustments related to the other result </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-16 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">61 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-1 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-11 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-78 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-44 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-8 endCol-8 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Operating result </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>259 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>590 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>39 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>25 </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-114 </b></td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>5 </b></td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>805 </b></td></tr></tbody></table> <br/>\n<p>Adjustments related to the insurance service result (\u20ac\u00a0-390 million) mainly consist of future services on onerous contracts (<span style=\"white-space:nowrap;\">\u20ac\u00a0-289 million</span>) and strengthening of Disability provisions reflecting the 10% increase of the legal minimum wage as of 1 January 2023 (<span style=\"white-space:nowrap;\">\u20ac\u00a0-93 million</span>). </p>\n<p>In 2022, adjustments related to the investment and finance result (<span style=\"white-space:nowrap;\">\u20ac\u00a0-2,694 million</span>) were mainly related to significant revaluations driven mainly by sharply rising interest rates in 2022. </p>\n<p>Adjustments related to the other result (\u20ac\u00a0-44 million) consist of regulatory project implementation costs (IFRS 17 and IFRS 9), amortisation of intangibles identified in business combinations, M&amp;A costs related to the business combination of a.s.r. and Aegon NL and start-up costs for innovations. </p>\n<p>Operating result is an alternative performance measure; for more information see <a href=\"#n1286915\" title=\"Operating result\">chapter 7.10</a>. </p>\n<h3 class=\"table-title\">Impairments </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:0%;\"/><col style=\"width:12%;\"/><col style=\"width:10%;\"/><col style=\"width:10%;\"/><col style=\"width:10%;\"/><col style=\"width:10%;\"/><col style=\"width:10%;\"/><col style=\"width:10%;\"/><col style=\"width:10%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;\">2022 </th><th class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">Non-life </th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">Life </th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">Asset Management </th><th class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">Distribution and Services </th><th class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">Holding and Other </th><th class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">Eliminations </th><th class=\"startCol-9 endCol-9 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">Total </th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Associates and joint ventures at equity method </td><td class=\"startCol-2 endCol-2 valign-bottom border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Impairment </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-1 </td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-9 endCol-9 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-1 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-bottom border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Reversal </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-9 endCol-9 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total Impairments </b></td><td class=\"startCol-2 endCol-2 valign-bottom border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Impairment </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-1 </b></td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-9 endCol-9 valign-bottom align-right border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-1 </b></td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-bottom border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Reversal </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-9 endCol-9 valign-bottom align-right border-bottom-1 border-left-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-8 endCol-8 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-9 endCol-9 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-bottom align-left border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-1 </b></td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-9 endCol-9 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-1 </b></td></tr></tbody></table> <br/>\n<h1 class=\"S_PARAGRAPH\" id=\"n1287110\"><span class=\"number\">7.4.4 </span><span class=\"title-text\">Non-life ratios </span></h1>\n<h3 class=\"table-title\">Non-life combined ratio </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:0%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">31 December 2023 </th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">31 December 2022 </th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Claims ratio </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">77.0% </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">75.2% </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Commission ratio </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">12.3% </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">14.5% </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Expense ratio </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">6.1% </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">6.5% </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Combined ratio </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>95.4% </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>96.3% </b></td></tr></tbody></table> <br/>\n<h3 class=\"table-title\">Non-life combined ratio per business line </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:0%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">31 December 2023 </th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">31 December 2022 </th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Property &amp; Casualty (P&amp;C) </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">93.6% </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">92.5% </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Disability </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">93.5% </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">96.7% </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">P&amp;C and Disability </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">93.5% </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">94.4% </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Health </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">98.9% </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">101.2% </td></tr></tbody></table> <br/>\n<p>The claims, commission and expense ratios can be calculated based on the following information: </p>\n<h3 class=\"table-title\">Claims, commission and expenses </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:0%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">31 December 2023 </th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">31 December 2022 </th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Insurance contract revenue </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">5,379 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">4,242 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Allocation of reinsurance premiums paid </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-122 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-92 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Net insurance contract revenue </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>5,257 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>4,150 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Insurance claims and benefits </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-4,267 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-3,337 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Amounts recoverable from reinsurers </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">110 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">75 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Adjustment to the insurance claims and benefits </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">106 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">141 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Adjusted net insurance claims and benefits </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-4,050 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-3,122 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Insurance service operating expenses </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-966 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-873 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Of which: Incurred commission expenses </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-646 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-603 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Insurance service operating expenses excluding incurred commission expenses </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-320 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-270 </b></td></tr></tbody></table> <br/>\n<p>The definition of Non-life ratios has changed due to the introduction of IFRS 17 Insurance contracts. Comparative figures have been adjusted accordingly.  <br/></p>\n<p>Similar to IFRS 4, the IFRS 17 Non-life ratio indicates the insurance related profitability of a non-life insurance contract. The measurement of the Non-life ratio changed with the change in accounting regime since the underlying IFRS 4 components are no longer part of the P&amp;L. To measure the Non-life ratio based on the new definition, the insurance service expenses are divided by the insurance contract revenue, including adjustments on the insurance service result in line with the operating result definition (see <a href=\"#n1287085\" title=\"Segmented income statement and operating result\">chapter 7.4.3</a> and <a href=\"#n1286915\" title=\"Operating result\">chapter 7.10</a>).  <br/></p>\n<p>In 2023, adjustments to the insurance claims and benefits (<span style=\"white-space:nowrap;\">\u20ac\u00a0106 million</span>) consist of <span style=\"white-space:nowrap;\">\u20ac\u00a087 million</span> impact of changes of inflation on the Liability for Incurred Claims and <span style=\"white-space:nowrap;\">\u20ac\u00a019 million</span> related to changes to future services on onerous contracts. </p>\n<p>In 2022, adjustments to the insurance claims and benefits (<span style=\"white-space:nowrap;\">\u20ac\u00a0141 million</span>) consist of <span style=\"white-space:nowrap;\">\u20ac\u00a093 million</span> impact of the 10% increase of the legal minimum wage, <span style=\"white-space:nowrap;\">\u20ac\u00a025 million</span> impact of changes of inflation on the Liability for Incurred Claims and <span style=\"white-space:nowrap;\">\u20ac\u00a023 million</span> related to changes to future services on onerous contracts. </p>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfEntitysReportableSegmentsExplanatory",
    "language": "en",
    "entity": "scheme:7245000G0HS48PZWUD53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "ixv-631": {
   "value": "\n<h1 class=\"S_PARAGRAPH\" id=\"n1287035\"><span class=\"number\">7.4.1 </span><span class=\"title-text\">Group structure </span></h1>\n<p>The group comprises a number of operating and holding companies. Except where indicated, a.s.r. is 100% shareholder of these companies. </p><img alt=\"\" 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\" style=\"width:1920px;max-width:100%;\"/>\n\n<div class=\"header header-1\">Segment information </div>\n<p>The operations of a.s.r. have been divided into six (2022: five) operating segments. The main segments are the Non-life and Life segment in which all insurance activities are presented. The other activities are presented as four separate segments being Asset Management, Banking, Distribution and Services and Holding and Other. </p>\n<div class=\"header header-1\">Insurance activities </div>\n<p>Insurance entities are entities that accept the transfer of insurance risks from policyholders. The Non-life segment consists of non-life insurance entities and their subsidiaries. These non-life insurance entities offer non-life insurance contracts such as disability insurance and property and casualty insurance. The Life segment comprises the life insurance entities and their subsidiaries. This life insurance entities offer financial products such as life insurance contracts and life insurance contracts on behalf of policyholders. The Life segment also includes ASR Premiepensioeninstelling N.V. (a.s.r. IORP) and Aegon Cappital B.V. (Aegon IORP) which offer investment contracts to policyholders that bear no insurance risk and for which the actual return on investments allocated to the contract is passed on to the policyholder. The Non-life and Life segments have different levels of profitability and growth opportunities, as well as a different outlook and risk profile. See <a href=\"#n1285581\" title=\"List of principal group companies\">chapter 7.7.8</a> for a list of principal group companies and associates in the relevant segments. </p>\n<div class=\"header header-1\">Other activities </div>\n<p>The other activities consist of: </p><ul><li>\n<p>The Asset Management segment involves all activities related to asset management including investment property management. These activities include amongst others ASR Vermogensbeheer N.V., ASR Financieringen B.V., ASR Real Estate B.V., ASR Hypotheken B.V. and AEGON Hypotheken B.V. (Aegon hypotheken); </p></li><li>\n<p>The Banking segment consists of the Knab activities (Aegon Bank N.V.); </p></li><li>\n<p>The Distribution and Services segment includes the activities related to distribution of insurance contracts and include amongst others the financial intermediary business of PoliService B.V., Van Kampen Groep Holding B.V. (and Van Kampen Geld B.V. and Anac Backoffice B.V.), Dutch ID B.V. (and Felison Assuradeuren B.V. and Boval Assuranti\u00ebn B.V.), Supergarant Verzekeringen B.V. (and ZZP Nederland Verzekeringen B.V.), Corins B.V., Nedasco B.V., Robidus Groep B.V., TKP Pensioen B.V., Aegon Advies B.V. and AEGON Bemiddeling B.V.; </p></li><li>\n<p>The segment Holding and Other consists primarily of the holding activities of a.s.r. (including the group related activities), other holding and intermediate holding companies, the real estate development business (ASR Vastgoed Projecten B.V.), ASR Vitaliteit &amp; Preventieve Diensten B.V (Vitality), ASR Vooruit B.V., the investment firm that performs activities related to private investing for customers and the minority participations of ASR Deelnemingen N.V. </p></li></ul>\n<p>The eliminations applied in the reconciliation of the segment information to the consolidated balance sheet and the consolidated income statement are separately presented in <a href=\"#n1287063\" title=\"Segmented balance sheet\">chapter 7.4.2</a> and <a href=\"#n1287085\" title=\"Segmented income statement and operating result\">7.4.3</a>. </p>\n<p>The a.s.r. segment reporting shows the financial performance of each segment. The purpose is to allocate all items in the balance sheet and income statement to the segments that hold full management responsibility for them. </p>\n<p>Segment information has been prepared in accordance with the accounting principles used for the preparation of a.s.r.\u2019s consolidated financial statements (see <a href=\"#n1286070\" title=\"Accounting policies\">chapter 7.3</a>). Goodwill and other intangibles are presented in the related CGU\u2019s segment. Intersegment transactions are conducted at arm\u2019s length conditions. In general, costs related to centralised services are allocated to the segments based on the utilisation of these services. </p>\n<p>The segments are assessed on their operating result as defined in <a href=\"#n1286915\" title=\"Operating result\">chapter 7.10</a>. </p>\n<h1 class=\"S_PARAGRAPH\" id=\"n1289341\"><span class=\"number\">7.5.4 </span><span class=\"title-text\">Associates and joint ventures </span></h1>\n<p>See accounting policy <a href=\"#n1286667\" title=\"P. Associates and joint ventures\">P</a>. </p>\n<h3 class=\"table-title\">Associates and joint ventures </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:0%;\"/><col style=\"width:0%;\"/><col style=\"width:16%;\"/><col style=\"width:16%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">Interest </th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">31 December 2023 </th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">31 December 2022 </th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\"><b>At equity method </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">Associates and joint ventures </td><td class=\"startCol-2 endCol-2 valign-top align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:top;\">ranging between 10 % and 50 % </td><td class=\"startCol-3 endCol-3 valign-top align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:top;\">298 </td><td class=\"startCol-4 endCol-4 valign-top align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:top;\">79 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\"><b>At fair value through profit or loss </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">Real estate equity funds </td><td class=\"startCol-2 endCol-2 valign-top align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:top;\">ranging between 30 % and 85 % </td><td class=\"startCol-3 endCol-3 valign-top align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:top;\">4,689 </td><td class=\"startCol-4 endCol-4 valign-top align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:top;\">3,557 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">Mortgage equity funds </td><td class=\"startCol-2 endCol-2 valign-top align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:top;\">ranging between 5 % and 20 % </td><td class=\"startCol-3 endCol-3 valign-top align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:top;\">688 </td><td class=\"startCol-4 endCol-4 valign-top align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:top;\">705 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">Other equity funds </td><td class=\"startCol-2 endCol-2 valign-top align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:top;\">ranging between 1 % and 10 % </td><td class=\"startCol-3 endCol-3 valign-top align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:top;\">247 </td><td class=\"startCol-4 endCol-4 valign-top align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:top;\">67 </td></tr></tbody></table> <br/>\n<p>The amount of \u20ac\u00a0298 million consists of \u20ac\u00a0254 million associates and \u20ac\u00a044 million joint ventures. </p>\n<p>The joint venture at equity method acquired through the acquisition of Aegon NL, see <a href=\"#n1287134\" title=\"Acquisitions\">chapter 7.4.5</a>, is the real estate company Amvest Vastgoed B.V. </p>\n<p>The main associates at equity method acquired through the acquisition of Aegon NL are OB Capital Cooperatief U.A. and N.V. Levensverzekering-Maatschappij 'De Hoop'. </p>\n<p>The real estate equity funds acquired through the acquisition of Aegon NL are Amvest Residential Core Fund (Amvest RCF), Amvest Living &amp; Care Fund (Amvest LCF) and Amvest Development Fund (Amvest DF). </p>\n<p>The real estate equity funds consist of the ASR Dutch Mobility Office Fund (ASR DMOF), ASR Dutch Prime Retail Fund (ASR DPRF), ASR Dutch Core Residential Fund (ASR DCRF), ASR Dutch Farmland Fund (DFLF), and the real estate equity funds acquired through the acquisition of Aegon NL. <br/><br/>The mortgage equity funds consists of the ASR Mortgage Fund (ASR MF). <br/><br/>The other equity funds consists of five (2022: two) equity funds managed by a.s.r. <br/><br/>The interests in these funds are classified and presented as an investment at FVTPL. For more information, see <a href=\"#n1289368\" title=\"Investments\">chapter 7.5.5</a> and <a href=\"#n1285236\" title=\"Fair value of assets and liabilities\">chapter 7.7.1</a>. </p>\n<p>Investments in associates and joint ventures generally have a duration of more than one year after the balance sheet date. </p>\n<h3 class=\"table-title\">Changes in associates and joint ventures at equity method </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:0%;\"/><col style=\"width:14%;\"/><col style=\"width:14%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">2023 </th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">2022 </th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">At 1 January </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">79 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">102 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Acquisition </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">18 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Disposal </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-8 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Share of profit/(loss) </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">8 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-3 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Impairments </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-1 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Dividend </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-3 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-21 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Other changes </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-3 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Changes in the composition of the group </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">208 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>At 31 December </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>298 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>79 </b></td></tr></tbody></table> <br/>\n<p>Changes in the composition of the group relates to the associates and joint ventures acquired through the acquisition of Aegon NL, see <a href=\"#n1287134\" title=\"Acquisitions\">chapter 7.4.5</a>. </p>\n<p>Some participating interests in which a.s.r. has an interest of less than 20% qualify as associates, because a.s.r. has significant influence as a result of contractual agreements. a.s.r. also has interests of 50% or more in associates at fair value through profit or loss. a.s.r. has no control over these entities as the ability to direct the relevant activities is limited by contractual agreements and therefore does not consolidate these entities. </p>\n<p>The information disclosed in the tables below is based on the most recent financial information available from the associates and joint ventures. This is primarily based on the investee\u2019s financial statements and their accounting policies. If these policies differ from a.s.r.'s accounting policies, carrying amounts in a.s.r.\u2019s consolidated financial statements have been changed to be in line with a.s.r.\u2019s policies. </p>\n<h3 class=\"table-title\">Financial information available from the associates and joint ventures </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:18.2%;\"/><col style=\"width:10.8%;\"/><col style=\"width:7.5%;\"/><col style=\"width:7.5%;\"/><col style=\"width:8%;\"/><col style=\"width:7.5%;\"/><col style=\"width:10.8%;\"/><col style=\"width:7.2%;\"/><col style=\"width:7.5%;\"/><col style=\"width:7.5%;\"/><col style=\"width:7.5%;\"/></colgroup><thead>\n<tr style=\"border:none;\"><th class=\"startCol-1 endCol-1 valign-top headrow\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-6 valign-bottom align-right border-bottom-1 border-right-1 colspan-5 headrow\" colspan=\"5\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;border-bottom:1px solid;\">31 December 2023 </th><th class=\"startCol-7 endCol-11 valign-bottom align-right border-bottom-1 border-left-1 colspan-5 headrow\" colspan=\"5\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;border-bottom:1px solid;\">31 December 2022 </th></tr>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">Associates and joint ventures at equity method </th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">Real estate equity funds </th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">Mortgage equity funds </th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">Other equity funds </th><th class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">Total </th><th class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">Associates and joint ventures at equity method </th><th class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">Real estate equity funds </th><th class=\"startCol-9 endCol-9 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">Mortgage equity funds </th><th class=\"startCol-10 endCol-10 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">Other equity funds </th><th class=\"startCol-11 endCol-11 valign-bottom align-right border-bottom-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">Total </th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Total assets </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">491 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">11,276 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">8,457 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">7,815 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">28,039 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">318 </td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">6,021 </td><td class=\"startCol-9 endCol-9 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">7,885 </td><td class=\"startCol-10 endCol-10 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">4,124 </td><td class=\"startCol-11 endCol-11 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">18,348 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Total liabilities </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">159 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1,518 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">69 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">10 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1,756 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">161 </td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">295 </td><td class=\"startCol-9 endCol-9 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">113 </td><td class=\"startCol-10 endCol-10 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-11 endCol-11 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">569 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Total income </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">223 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">398 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">379 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1,151 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,152 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">194 </td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">211 </td><td class=\"startCol-9 endCol-9 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-1,679 </td><td class=\"startCol-10 endCol-10 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-668 </td><td class=\"startCol-11 endCol-11 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-1,942 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Result </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">19 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-313 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">343 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1,145 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1,194 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-8 </td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">241 </td><td class=\"startCol-9 endCol-9 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-1,714 </td><td class=\"startCol-10 endCol-10 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-670 </td><td class=\"startCol-11 endCol-11 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-2,151 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Total comprehensive income </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">11 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-313 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">343 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1,145 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1,186 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-8 </td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">241 </td><td class=\"startCol-9 endCol-9 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-1,714 </td><td class=\"startCol-10 endCol-10 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-670 </td><td class=\"startCol-11 endCol-11 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-2,151 </td></tr></tbody></table> <br/>\n<p>The increase in assets and liabilities of the real estate equity funds mainly relates to the additions as a result of the acquisition of Aegon NL. The increase in assets and liabilities of other equity funds mainly relates to the investment in three additional funds. </p>\n<p>The total assets of the real estate equity funds consist primarily of investment property, \u20ac\u00a010,723 million (2022: \u20ac\u00a05,777 million). The total assets of the mortgage equity funds consist primarily of mortgages, \u20ac\u00a08,279 million (2022: \u20ac\u00a07,708 million) and \u20ac\u00a07,760 million (2022: \u20ac\u00a04,101 million) of the total assets of the other equity funds consist of equities. </p>\n<p>The interest in the real estate equity funds are as follows: </p>\n<h3 class=\"table-title\">Investments in real estate equity funds </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:0%;\"/><col style=\"width:16%;\"/><col style=\"width:16%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">31 December 2023 </th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">31 December 2022 </th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">ASR DPRF </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">598 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">625 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-right-1\" style=\"text-align:left;vertical-align:bottom;\">ASR DCRF </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-left-1 border-right-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">957 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,066 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\">ASR DMOF </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">123 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1\" style=\"text-align:right;vertical-align:bottom;\">138 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">ASR DFLF </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1,679 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,728 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Amvest RCF </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-left-1 border-right-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">928 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-left-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Amvest LCF </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-left-1 border-right-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">276 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-left-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Amvest DF </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">127 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>4,689 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>3,557 </b></td></tr></tbody></table> <br/>\n<h1 class=\"S_PARAGRAPH\" id=\"n1285581\"><span class=\"number\">7.7.8 </span><span class=\"title-text\">List of principal group companies </span></h1>\n<h3 class=\"table-title\">List of principal group companies </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:0%;\"/><col style=\"width:7.5%;\"/><col style=\"width:6.5%;\"/><col style=\"width:13%;\"/><col style=\"width:21%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-left-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;\"><b>Company </b></th><th class=\"startCol-2 endCol-2 valign-bottom align-left border-bottom-1 border-left-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;\"><b>Equity interest </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-left border-bottom-1 border-left-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;\"><b>Rate of control </b></th><th class=\"startCol-4 endCol-4 valign-bottom align-left border-bottom-1 border-left-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;\"><b>Seat </b></th><th class=\"startCol-5 endCol-5 valign-bottom align-left border-bottom-1 border-left-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;\"><b>Segment </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-middle align-left border-left-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">ASR Aanvullende Ziektekostenverzekeringen N.V.<sup class=\"footnote cShowTooltip\" title=\"Registered insurance companies\">1 </sup></td><td class=\"startCol-2 endCol-2 valign-bottom align-left border-top-1\" style=\"text-align:left;vertical-align:bottom;\">100.00 </td><td class=\"startCol-3 endCol-3 valign-bottom align-left border-top-1\" style=\"text-align:left;vertical-align:bottom;\">100.00 </td><td class=\"startCol-4 endCol-4 valign-bottom align-left border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Utrecht </td><td class=\"startCol-5 endCol-5 valign-bottom border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Non-life </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle align-left border-left-1\" style=\"text-align:left;vertical-align:middle;\">ASR Basis Ziektekostenverzekeringen N.V.<sup class=\"footnote cShowTooltip\" title=\"Registered insurance companies\">1 </sup></td><td class=\"startCol-2 endCol-2 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">100.00 </td><td class=\"startCol-3 endCol-3 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">100.00 </td><td class=\"startCol-4 endCol-4 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">Utrecht </td><td class=\"startCol-5 endCol-5 valign-bottom border-right-1\" style=\"text-align:left;vertical-align:bottom;\">Non-life </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle align-left border-left-1\" style=\"text-align:left;vertical-align:middle;\">ASR Schadeverzekering N.V.<sup class=\"footnote cShowTooltip\" title=\"Registered insurance companies\">1 </sup></td><td class=\"startCol-2 endCol-2 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">100.00 </td><td class=\"startCol-3 endCol-3 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">100.00 </td><td class=\"startCol-4 endCol-4 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">Utrecht </td><td class=\"startCol-5 endCol-5 valign-bottom border-right-1\" style=\"text-align:left;vertical-align:bottom;\">Non-life </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle align-left border-left-1\" style=\"text-align:left;vertical-align:middle;\">ASR Wlz-uitvoerder B.V. </td><td class=\"startCol-2 endCol-2 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">100.00 </td><td class=\"startCol-3 endCol-3 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">100.00 </td><td class=\"startCol-4 endCol-4 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">Utrecht </td><td class=\"startCol-5 endCol-5 valign-bottom border-right-1\" style=\"text-align:left;vertical-align:bottom;\">Non-life </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-left-1\" style=\"text-align:left;vertical-align:bottom;\">ASR Ziektekostenverzekeringen N.V.<sup class=\"footnote cShowTooltip\" title=\"These are companies for which a statement of joint and several liability under section 403, Book 2 of the Dutch Civil Code has been issued.\">2 </sup></td><td class=\"startCol-2 endCol-2 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">100.00 </td><td class=\"startCol-3 endCol-3 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">100.00 </td><td class=\"startCol-4 endCol-4 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">Utrecht </td><td class=\"startCol-5 endCol-5 valign-bottom border-right-1\" style=\"text-align:left;vertical-align:bottom;\">Non-life </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-left-1\" style=\"text-align:left;vertical-align:bottom;\">ASR Infrastructure Renewables B.V. </td><td class=\"startCol-2 endCol-2 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">100.00 </td><td class=\"startCol-3 endCol-3 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">100.00 </td><td class=\"startCol-4 endCol-4 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">Utrecht </td><td class=\"startCol-5 endCol-5 valign-bottom border-right-1\" style=\"text-align:left;vertical-align:bottom;\">Life </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle align-left border-left-1\" style=\"text-align:left;vertical-align:middle;\">ASR Levensverzekering N.V.<sup class=\"footnote cShowTooltip\" title=\"Registered insurance companies\">1 </sup></td><td class=\"startCol-2 endCol-2 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">100.00 </td><td class=\"startCol-3 endCol-3 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">100.00 </td><td class=\"startCol-4 endCol-4 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">Utrecht </td><td class=\"startCol-5 endCol-5 valign-bottom border-right-1\" style=\"text-align:left;vertical-align:bottom;\">Life </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-left-1\" style=\"text-align:left;vertical-align:bottom;\">ASR Utrecht Real Estate Investments Netherlands B.V. </td><td class=\"startCol-2 endCol-2 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">100.00 </td><td class=\"startCol-3 endCol-3 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">100.00 </td><td class=\"startCol-4 endCol-4 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">Amsterdam </td><td class=\"startCol-5 endCol-5 valign-bottom border-right-1\" style=\"text-align:left;vertical-align:bottom;\">Life </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-left-1\" style=\"text-align:left;vertical-align:bottom;\">ASR Premiepensioeninstelling N.V.<sup class=\"footnote cShowTooltip\" title=\"Other Wft registered companies\">3 </sup></td><td class=\"startCol-2 endCol-2 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">100.00 </td><td class=\"startCol-3 endCol-3 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">100.00 </td><td class=\"startCol-4 endCol-4 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">Amsterdam </td><td class=\"startCol-5 endCol-5 valign-bottom border-right-1\" style=\"text-align:left;vertical-align:bottom;\">Life </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-left-1\" style=\"text-align:left;vertical-align:bottom;\">Aegon Cappital B.V.<sup class=\"footnote cShowTooltip\" title=\"Other Wft registered companies\">3 </sup></td><td class=\"startCol-2 endCol-2 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">100.00 </td><td class=\"startCol-3 endCol-3 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">100.00 </td><td class=\"startCol-4 endCol-4 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">Den Haag </td><td class=\"startCol-5 endCol-5 valign-bottom border-right-1\" style=\"text-align:left;vertical-align:bottom;\">Life </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle align-left border-left-1\" style=\"text-align:left;vertical-align:middle;\">Aegon Levensverzekering N.V.<sup class=\"footnote cShowTooltip\" title=\"Registered insurance companies\">1 </sup></td><td class=\"startCol-2 endCol-2 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">100.00 </td><td class=\"startCol-3 endCol-3 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">100.00 </td><td class=\"startCol-4 endCol-4 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">Den Haag </td><td class=\"startCol-5 endCol-5 valign-bottom border-right-1\" style=\"text-align:left;vertical-align:bottom;\">Life </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle align-left border-left-1\" style=\"text-align:left;vertical-align:middle;\">Aegon Spaarkas N.V.<sup class=\"footnote cShowTooltip\" title=\"Other Wft registered companies\">4 </sup></td><td class=\"startCol-2 endCol-2 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">100.00 </td><td class=\"startCol-3 endCol-3 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">100.00 </td><td class=\"startCol-4 endCol-4 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">Den Haag </td><td class=\"startCol-5 endCol-5 valign-bottom border-right-1\" style=\"text-align:left;vertical-align:bottom;\">Life </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-left-1\" style=\"text-align:left;vertical-align:bottom;\">Aegon DL B.V.<sup class=\"footnote cShowTooltip\" title=\"These are companies for which a statement of joint and several liability under section 403, Book 2 of the Dutch Civil Code has been issued.\">2 </sup></td><td class=\"startCol-2 endCol-2 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">100.00 </td><td class=\"startCol-3 endCol-3 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">100.00 </td><td class=\"startCol-4 endCol-4 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">Den Haag </td><td class=\"startCol-5 endCol-5 valign-bottom border-right-1\" style=\"text-align:left;vertical-align:bottom;\">Life </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-left-1\" style=\"text-align:left;vertical-align:bottom;\">Amvest Home Free B.V.<sup class=\"footnote cShowTooltip\" title=\"These are companies for which a statement of joint and several liability under section 403, Book 2 of the Dutch Civil Code has been issued.\">2 </sup></td><td class=\"startCol-2 endCol-2 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">100.00 </td><td class=\"startCol-3 endCol-3 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">100.00 </td><td class=\"startCol-4 endCol-4 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">Zeist </td><td class=\"startCol-5 endCol-5 valign-bottom border-right-1\" style=\"text-align:left;vertical-align:bottom;\">Life </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-left-1\" style=\"text-align:left;vertical-align:bottom;\">Vastgoedmaatschappij Inpa B.V.<sup class=\"footnote cShowTooltip\" title=\"These are companies for which a statement of joint and several liability under section 403, Book 2 of the Dutch Civil Code has been issued.\">2 </sup></td><td class=\"startCol-2 endCol-2 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">100.00 </td><td class=\"startCol-3 endCol-3 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">100.00 </td><td class=\"startCol-4 endCol-4 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">Den Haag </td><td class=\"startCol-5 endCol-5 valign-bottom border-right-1\" style=\"text-align:left;vertical-align:bottom;\">Life </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-left-1\" style=\"text-align:left;vertical-align:bottom;\">Orcinus 2023 B.V. </td><td class=\"startCol-2 endCol-2 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">100.00 </td><td class=\"startCol-3 endCol-3 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">100.00 </td><td class=\"startCol-4 endCol-4 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">Utrecht </td><td class=\"startCol-5 endCol-5 valign-bottom border-right-1\" style=\"text-align:left;vertical-align:bottom;\">Life </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-left-1\" style=\"text-align:left;vertical-align:bottom;\">Delphinus 2023-I B.V. </td><td class=\"startCol-2 endCol-2 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">100.00 </td><td class=\"startCol-3 endCol-3 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">100.00 </td><td class=\"startCol-4 endCol-4 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">Utrecht </td><td class=\"startCol-5 endCol-5 valign-bottom border-right-1\" style=\"text-align:left;vertical-align:bottom;\">Life </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-left-1\" style=\"text-align:left;vertical-align:bottom;\">Aegon Bank N.V.<sup class=\"footnote cShowTooltip\" title=\"Other Wft registered companies\">3 </sup></td><td class=\"startCol-2 endCol-2 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">100.00 </td><td class=\"startCol-3 endCol-3 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">100.00 </td><td class=\"startCol-4 endCol-4 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">Amsterdam </td><td class=\"startCol-5 endCol-5 valign-bottom border-right-1\" style=\"text-align:left;vertical-align:bottom;\">Bank </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-left-1\" style=\"text-align:left;vertical-align:bottom;\">Orange Loans B.V.<sup class=\"footnote cShowTooltip\" title=\"These are companies for which a statement of joint and several liability under section 403, Book 2 of the Dutch Civil Code has been issued.\">2 </sup></td><td class=\"startCol-2 endCol-2 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">100.00 </td><td class=\"startCol-3 endCol-3 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">100.00 </td><td class=\"startCol-4 endCol-4 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">Amsterdam </td><td class=\"startCol-5 endCol-5 valign-bottom border-right-1\" style=\"text-align:left;vertical-align:bottom;\">Bank </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-left-1\" style=\"text-align:left;vertical-align:bottom;\">ASR Financieringen B.V.<sup class=\"footnote cShowTooltip\" title=\"These are companies for which a statement of joint and several liability under section 403, Book 2 of the Dutch Civil Code has been issued.\">2 </sup></td><td class=\"startCol-2 endCol-2 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">100.00 </td><td class=\"startCol-3 endCol-3 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">100.00 </td><td class=\"startCol-4 endCol-4 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">Utrecht </td><td class=\"startCol-5 endCol-5 valign-bottom border-right-1\" style=\"text-align:left;vertical-align:bottom;\">Asset Management </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-left-1\" style=\"text-align:left;vertical-align:bottom;\">ASR Hypotheken B.V.<sup class=\"footnote cShowTooltip\" title=\"These are companies for which a statement of joint and several liability under section 403, Book 2 of the Dutch Civil Code has been issued.\">2 </sup></td><td class=\"startCol-2 endCol-2 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">100.00 </td><td class=\"startCol-3 endCol-3 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">100.00 </td><td class=\"startCol-4 endCol-4 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">Utrecht </td><td class=\"startCol-5 endCol-5 valign-bottom border-right-1\" style=\"text-align:left;vertical-align:bottom;\">Asset Management </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-left-1\" style=\"text-align:left;vertical-align:bottom;\">ASR Real Estate B.V.<sup class=\"footnote cShowTooltip\" title=\"These are companies for which a statement of joint and several liability under section 403, Book 2 of the Dutch Civil Code has been issued.\">5</sup><sup class=\"footnote cShowTooltip\" title=\"Other Wft registered companies\">3 </sup></td><td class=\"startCol-2 endCol-2 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">100.00 </td><td class=\"startCol-3 endCol-3 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">100.00 </td><td class=\"startCol-4 endCol-4 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">Utrecht </td><td class=\"startCol-5 endCol-5 valign-bottom border-right-1\" style=\"text-align:left;vertical-align:bottom;\">Asset Management </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-left-1\" style=\"text-align:left;vertical-align:bottom;\">ASR Vermogensbeheer N.V.<sup class=\"footnote cShowTooltip\" title=\"These are companies for which a statement of joint and several liability under section 403, Book 2 of the Dutch Civil Code has been issued.\">5</sup><sup class=\"footnote cShowTooltip\" title=\"Other Wft registered companies\">3 </sup></td><td class=\"startCol-2 endCol-2 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">100.00 </td><td class=\"startCol-3 endCol-3 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">100.00 </td><td class=\"startCol-4 endCol-4 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">Utrecht </td><td class=\"startCol-5 endCol-5 valign-bottom border-right-1\" style=\"text-align:left;vertical-align:bottom;\">Asset Management </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-left-1\" style=\"text-align:left;vertical-align:bottom;\">Aegon Hypotheken B.V. </td><td class=\"startCol-2 endCol-2 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">100.00 </td><td class=\"startCol-3 endCol-3 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">100.00 </td><td class=\"startCol-4 endCol-4 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">Den Haag </td><td class=\"startCol-5 endCol-5 valign-bottom border-right-1\" style=\"text-align:left;vertical-align:bottom;\">Asset Management </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle align-left border-left-1\" style=\"text-align:left;vertical-align:middle;\">dRA Exploitatie B.V.<sup class=\"footnote cShowTooltip\" title=\"Other Wft registered companies\">4 </sup></td><td class=\"startCol-2 endCol-2 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">100.00 </td><td class=\"startCol-3 endCol-3 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">100.00 </td><td class=\"startCol-4 endCol-4 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">Lochem </td><td class=\"startCol-5 endCol-5 valign-bottom border-right-1\" style=\"text-align:left;vertical-align:bottom;\">Distribution &amp; Services </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle align-left border-left-1\" style=\"text-align:left;vertical-align:middle;\">Anac, All-Finance Nederland Advies-Combinatie B.V.<sup class=\"footnote cShowTooltip\" title=\"Other Wft registered companies\">4 </sup></td><td class=\"startCol-2 endCol-2 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">100.00 </td><td class=\"startCol-3 endCol-3 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">100.00 </td><td class=\"startCol-4 endCol-4 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">Eindhoven </td><td class=\"startCol-5 endCol-5 valign-bottom border-right-1\" style=\"text-align:left;vertical-align:bottom;\">Distribution &amp; Services </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-left-1\" style=\"text-align:left;vertical-align:bottom;\">ASR Vitaliteit &amp; Preventieve Diensten B.V. </td><td class=\"startCol-2 endCol-2 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">100.00 </td><td class=\"startCol-3 endCol-3 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">100.00 </td><td class=\"startCol-4 endCol-4 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">Utrecht </td><td class=\"startCol-5 endCol-5 valign-bottom border-right-1\" style=\"text-align:left;vertical-align:bottom;\">Distribution &amp; Services </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle align-left border-left-1\" style=\"text-align:left;vertical-align:middle;\">Assurantiekantoor Lodewijk B.V.<sup class=\"footnote cShowTooltip\" title=\"Other Wft registered companies\">4 </sup></td><td class=\"startCol-2 endCol-2 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">100.00 </td><td class=\"startCol-3 endCol-3 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">100.00 </td><td class=\"startCol-4 endCol-4 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">Wezep </td><td class=\"startCol-5 endCol-5 valign-bottom border-right-1\" style=\"text-align:left;vertical-align:bottom;\">Distribution &amp; Services </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-left-1\" style=\"text-align:left;vertical-align:bottom;\">Bedrijfsartsengroep Holding B.V. </td><td class=\"startCol-2 endCol-2 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">100.00 </td><td class=\"startCol-3 endCol-3 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">100.00 </td><td class=\"startCol-4 endCol-4 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">Heerenveen </td><td class=\"startCol-5 endCol-5 valign-bottom border-right-1\" style=\"text-align:left;vertical-align:bottom;\">Distribution &amp; Services </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle align-left border-left-1\" style=\"text-align:left;vertical-align:middle;\">Boval Assuranti\u00ebn B.V.<sup class=\"footnote cShowTooltip\" title=\"Other Wft registered companies\">4 </sup></td><td class=\"startCol-2 endCol-2 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">100.00 </td><td class=\"startCol-3 endCol-3 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">100.00 </td><td class=\"startCol-4 endCol-4 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">Velserbroek </td><td class=\"startCol-5 endCol-5 valign-bottom border-right-1\" style=\"text-align:left;vertical-align:bottom;\">Distribution &amp; Services </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle align-left border-left-1\" style=\"text-align:left;vertical-align:middle;\">Corins B.V.<sup class=\"footnote cShowTooltip\" title=\"Other Wft registered companies\">4 </sup></td><td class=\"startCol-2 endCol-2 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">100.00 </td><td class=\"startCol-3 endCol-3 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">100.00 </td><td class=\"startCol-4 endCol-4 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">Amsterdam </td><td class=\"startCol-5 endCol-5 valign-bottom border-right-1\" style=\"text-align:left;vertical-align:bottom;\">Distribution &amp; Services </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-left-1\" style=\"text-align:left;vertical-align:bottom;\">Dutch ID B.V. </td><td class=\"startCol-2 endCol-2 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">100.00 </td><td class=\"startCol-3 endCol-3 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">100.00 </td><td class=\"startCol-4 endCol-4 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">Velserbroek </td><td class=\"startCol-5 endCol-5 valign-bottom border-right-1\" style=\"text-align:left;vertical-align:bottom;\">Distribution &amp; Services </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle align-left border-left-1\" style=\"text-align:left;vertical-align:middle;\">Felison Assuradeuren B.V.<sup class=\"footnote cShowTooltip\" title=\"Other Wft registered companies\">4 </sup></td><td class=\"startCol-2 endCol-2 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">100.00 </td><td class=\"startCol-3 endCol-3 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">100.00 </td><td class=\"startCol-4 endCol-4 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">Velserbroek </td><td class=\"startCol-5 endCol-5 valign-bottom border-right-1\" style=\"text-align:left;vertical-align:bottom;\">Distribution &amp; Services </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle align-left border-left-1\" style=\"text-align:left;vertical-align:middle;\">Van Helvoort Assuradeuren B.V.<sup class=\"footnote cShowTooltip\" title=\"Other Wft registered companies\">4 </sup></td><td class=\"startCol-2 endCol-2 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">100.00 </td><td class=\"startCol-3 endCol-3 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">100.00 </td><td class=\"startCol-4 endCol-4 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">Gemert </td><td class=\"startCol-5 endCol-5 valign-bottom border-right-1\" style=\"text-align:left;vertical-align:bottom;\">Distribution &amp; Services </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle align-left border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:middle;\">Van Helvoort Registermakelaars in Assuranti\u00ebn B.V.<sup class=\"footnote cShowTooltip\" title=\"Other Wft registered companies\">4 </sup></td><td class=\"startCol-2 endCol-2 valign-bottom align-left border-bottom-1\" style=\"text-align:left;vertical-align:bottom;\">100.00 </td><td class=\"startCol-3 endCol-3 valign-bottom align-left border-bottom-1\" style=\"text-align:left;vertical-align:bottom;\">100.00 </td><td class=\"startCol-4 endCol-4 valign-bottom align-left border-bottom-1\" style=\"text-align:left;vertical-align:bottom;\">Gemert </td><td class=\"startCol-5 endCol-5 valign-bottom border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\">Distribution &amp; Services </td></tr></tbody></table><ol class=\"footnotes width-100\"><li> Registered insurance companies </li><li> These are companies for which a statement of joint and several liability under section 403, Book 2 of the Dutch Civil Code has been issued. </li><li> Other Wft registered companies </li><li> Other Wft registered companies </li><li> These are companies for which a statement of joint and several liability under section 403, Book 2 of the Dutch Civil Code has been issued. </li></ol> <br/>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:0%;\"/><col style=\"width:7.5%;\"/><col style=\"width:6.5%;\"/><col style=\"width:13%;\"/><col style=\"width:21%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-left-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;\"><b>Company </b></th><th class=\"startCol-2 endCol-2 valign-bottom align-left border-bottom-1 border-left-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;\"><b>Equity interest </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-left border-bottom-1 border-left-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;\"><b>Rate of control </b></th><th class=\"startCol-4 endCol-4 valign-bottom align-left border-bottom-1 border-left-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;\"><b>Seat </b></th><th class=\"startCol-5 endCol-5 valign-bottom align-left border-bottom-1 border-left-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;\"><b>Segment </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-middle align-left border-left-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">PoliService B.V.<sup class=\"footnote cShowTooltip\" title=\"Other Wft registered companies\">1 </sup></td><td class=\"startCol-2 endCol-2 valign-bottom align-left border-top-1\" style=\"text-align:left;vertical-align:bottom;\">100.00 </td><td class=\"startCol-3 endCol-3 valign-bottom align-left border-top-1\" style=\"text-align:left;vertical-align:bottom;\">100.00 </td><td class=\"startCol-4 endCol-4 valign-bottom align-left border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Hardinxveld-Giessendam </td><td class=\"startCol-5 endCol-5 valign-bottom border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Distribution &amp; Services </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle align-left border-left-1\" style=\"text-align:left;vertical-align:middle;\">Supergarant Verzekeringen B.V.<sup class=\"footnote cShowTooltip\" title=\"Other Wft registered companies\">1 </sup></td><td class=\"startCol-2 endCol-2 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">100.00 </td><td class=\"startCol-3 endCol-3 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">100.00 </td><td class=\"startCol-4 endCol-4 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">Leidschendam </td><td class=\"startCol-5 endCol-5 valign-bottom border-right-1\" style=\"text-align:left;vertical-align:bottom;\">Distribution &amp; Services </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle align-left border-left-1\" style=\"text-align:left;vertical-align:middle;\">Van Kampen Geld B.V.<sup class=\"footnote cShowTooltip\" title=\"Other Wft registered companies\">1 </sup></td><td class=\"startCol-2 endCol-2 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">100.00 </td><td class=\"startCol-3 endCol-3 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">100.00 </td><td class=\"startCol-4 endCol-4 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">Hoorn </td><td class=\"startCol-5 endCol-5 valign-bottom border-right-1\" style=\"text-align:left;vertical-align:bottom;\">Distribution &amp; Services </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle align-left border-left-1\" style=\"text-align:left;vertical-align:middle;\">Van Kampen Groep Holding B.V.<sup class=\"footnote cShowTooltip\" title=\"Other Wft registered companies\">1 </sup></td><td class=\"startCol-2 endCol-2 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">100.00 </td><td class=\"startCol-3 endCol-3 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">100.00 </td><td class=\"startCol-4 endCol-4 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">Hoorn </td><td class=\"startCol-5 endCol-5 valign-bottom border-right-1\" style=\"text-align:left;vertical-align:bottom;\">Distribution &amp; Services </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-left-1\" style=\"text-align:left;vertical-align:bottom;\">ZZP Nederland Verzekeringen B.V.<sup class=\"footnote cShowTooltip\" title=\"Other Wft registered companies\">1 </sup></td><td class=\"startCol-2 endCol-2 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">100.00 </td><td class=\"startCol-3 endCol-3 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">100.00 </td><td class=\"startCol-4 endCol-4 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">Groningen </td><td class=\"startCol-5 endCol-5 valign-bottom border-right-1\" style=\"text-align:left;vertical-align:bottom;\">Distribution &amp; Services </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-left-1\" style=\"text-align:left;vertical-align:bottom;\">D&amp;S Holding B.V.<sup class=\"footnote cShowTooltip\" title=\"These are companies for which a statement of joint and several liability under section 403, Book 2 of the Dutch Civil Code has been issued.\">2 </sup></td><td class=\"startCol-2 endCol-2 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">100.00 </td><td class=\"startCol-3 endCol-3 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">100.00 </td><td class=\"startCol-4 endCol-4 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">Velserbroek </td><td class=\"startCol-5 endCol-5 valign-bottom border-right-1\" style=\"text-align:left;vertical-align:bottom;\">Distribution &amp; Services </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle align-left border-left-1\" style=\"text-align:left;vertical-align:middle;\">D&amp;S Participaties B.V.<sup class=\"footnote cShowTooltip\" title=\"These are companies for which a statement of joint and several liability under section 403, Book 2 of the Dutch Civil Code has been issued.\">2 </sup></td><td class=\"startCol-2 endCol-2 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">100.00 </td><td class=\"startCol-3 endCol-3 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">100.00 </td><td class=\"startCol-4 endCol-4 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">Velserbroek </td><td class=\"startCol-5 endCol-5 valign-bottom border-right-1\" style=\"text-align:left;vertical-align:bottom;\">Distribution &amp; Services </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-left-1\" style=\"text-align:left;vertical-align:bottom;\">Aegon Advies B.V.<sup class=\"footnote cShowTooltip\" title=\"Other Wft registered companies\">1 </sup></td><td class=\"startCol-2 endCol-2 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">100.00 </td><td class=\"startCol-3 endCol-3 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">100.00 </td><td class=\"startCol-4 endCol-4 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">Den Haag </td><td class=\"startCol-5 endCol-5 valign-bottom border-right-1\" style=\"text-align:left;vertical-align:bottom;\">Distribution &amp; Services </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-left-1\" style=\"text-align:left;vertical-align:bottom;\">Aegon Bemiddeling B.V.<sup class=\"footnote cShowTooltip\" title=\"Other Wft registered companies\">1 </sup></td><td class=\"startCol-2 endCol-2 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">100.00 </td><td class=\"startCol-3 endCol-3 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">100.00 </td><td class=\"startCol-4 endCol-4 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">Den Haag </td><td class=\"startCol-5 endCol-5 valign-bottom border-right-1\" style=\"text-align:left;vertical-align:bottom;\">Distribution &amp; Services </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-left-1\" style=\"text-align:left;vertical-align:bottom;\">Obra Services B.V.<sup class=\"footnote cShowTooltip\" title=\"These are companies for which a statement of joint and several liability under section 403, Book 2 of the Dutch Civil Code has been issued.\">2 </sup></td><td class=\"startCol-2 endCol-2 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">100.00 </td><td class=\"startCol-3 endCol-3 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">100.00 </td><td class=\"startCol-4 endCol-4 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">Zaandam </td><td class=\"startCol-5 endCol-5 valign-bottom border-right-1\" style=\"text-align:left;vertical-align:bottom;\">Distribution &amp; Services </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle align-left border-left-1\" style=\"text-align:left;vertical-align:middle;\">Robidus Risk Consulting B.V.<sup class=\"footnote cShowTooltip\" title=\"These are companies for which a statement of joint and several liability under section 403, Book 2 of the Dutch Civil Code has been issued.\">2 </sup></td><td class=\"startCol-2 endCol-2 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">100.00 </td><td class=\"startCol-3 endCol-3 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">100.00 </td><td class=\"startCol-4 endCol-4 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">Zaanstad </td><td class=\"startCol-5 endCol-5 valign-bottom border-right-1\" style=\"text-align:left;vertical-align:bottom;\">Distribution &amp; Services </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle align-left border-left-1\" style=\"text-align:left;vertical-align:middle;\">Robidus Services B.V.<sup class=\"footnote cShowTooltip\" title=\"These are companies for which a statement of joint and several liability under section 403, Book 2 of the Dutch Civil Code has been issued.\">2 </sup></td><td class=\"startCol-2 endCol-2 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">100.00 </td><td class=\"startCol-3 endCol-3 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">100.00 </td><td class=\"startCol-4 endCol-4 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">Zaanstad </td><td class=\"startCol-5 endCol-5 valign-bottom border-right-1\" style=\"text-align:left;vertical-align:bottom;\">Distribution &amp; Services </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-left-1\" style=\"text-align:left;vertical-align:bottom;\">Robidus Solutions B.V.<sup class=\"footnote cShowTooltip\" title=\"These are companies for which a statement of joint and several liability under section 403, Book 2 of the Dutch Civil Code has been issued.\">2 </sup></td><td class=\"startCol-2 endCol-2 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">100.00 </td><td class=\"startCol-3 endCol-3 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">100.00 </td><td class=\"startCol-4 endCol-4 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">Zaanstad </td><td class=\"startCol-5 endCol-5 valign-bottom border-right-1\" style=\"text-align:left;vertical-align:bottom;\">Distribution &amp; Services </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-left-1\" style=\"text-align:left;vertical-align:bottom;\">Nedasco B.V.<sup class=\"footnote cShowTooltip\" title=\"Other Wft registered companies\">1 </sup></td><td class=\"startCol-2 endCol-2 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">100.00 </td><td class=\"startCol-3 endCol-3 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">100.00 </td><td class=\"startCol-4 endCol-4 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">Amersfoort </td><td class=\"startCol-5 endCol-5 valign-bottom border-right-1\" style=\"text-align:left;vertical-align:bottom;\">Distribution &amp; Services </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-left-1\" style=\"text-align:left;vertical-align:bottom;\">De Regt Adviesgroep B.V.<sup class=\"footnote cShowTooltip\" title=\"Other Wft registered companies\">1 </sup></td><td class=\"startCol-2 endCol-2 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">100.00 </td><td class=\"startCol-3 endCol-3 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">100.00 </td><td class=\"startCol-4 endCol-4 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">Den Haag </td><td class=\"startCol-5 endCol-5 valign-bottom border-right-1\" style=\"text-align:left;vertical-align:bottom;\">Distribution &amp; Services </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-left-1\" style=\"text-align:left;vertical-align:bottom;\">TKP Pensioen B.V. </td><td class=\"startCol-2 endCol-2 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">100.00 </td><td class=\"startCol-3 endCol-3 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">100.00 </td><td class=\"startCol-4 endCol-4 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">Groningen </td><td class=\"startCol-5 endCol-5 valign-bottom border-right-1\" style=\"text-align:left;vertical-align:bottom;\">Distribution &amp; Services </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-left-1\" style=\"text-align:left;vertical-align:bottom;\">Administratie- en Adviesbureau voor Belegging en Krediet (A.B.K.) B.V.<sup class=\"footnote cShowTooltip\" title=\"These are companies for which a statement of joint and several liability under section 403, Book 2 of the Dutch Civil Code has been issued.\">2 </sup></td><td class=\"startCol-2 endCol-2 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">100.00 </td><td class=\"startCol-3 endCol-3 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">100.00 </td><td class=\"startCol-4 endCol-4 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">Amersfoort </td><td class=\"startCol-5 endCol-5 valign-bottom border-right-1\" style=\"text-align:left;vertical-align:bottom;\">Holding &amp; Other </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-left-1\" style=\"text-align:left;vertical-align:bottom;\">ASAM N.V.<sup class=\"footnote cShowTooltip\" title=\"These are companies for which a statement of joint and several liability under section 403, Book 2 of the Dutch Civil Code has been issued.\">2 </sup></td><td class=\"startCol-2 endCol-2 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">100.00 </td><td class=\"startCol-3 endCol-3 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">100.00 </td><td class=\"startCol-4 endCol-4 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">Utrecht </td><td class=\"startCol-5 endCol-5 valign-bottom border-right-1\" style=\"text-align:left;vertical-align:bottom;\">Holding &amp; Other </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-left-1\" style=\"text-align:left;vertical-align:bottom;\">ASR Betalingscentrum B.V.<sup class=\"footnote cShowTooltip\" title=\"These are companies for which a statement of joint and several liability under section 403, Book 2 of the Dutch Civil Code has been issued.\">2 </sup></td><td class=\"startCol-2 endCol-2 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">100.00 </td><td class=\"startCol-3 endCol-3 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">100.00 </td><td class=\"startCol-4 endCol-4 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">Utrecht </td><td class=\"startCol-5 endCol-5 valign-bottom border-right-1\" style=\"text-align:left;vertical-align:bottom;\">Holding &amp; Other </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-left-1\" style=\"text-align:left;vertical-align:bottom;\">ASR Deelnemingen N.V.<sup class=\"footnote cShowTooltip\" title=\"These are companies for which a statement of joint and several liability under section 403, Book 2 of the Dutch Civil Code has been issued.\">2 </sup></td><td class=\"startCol-2 endCol-2 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">100.00 </td><td class=\"startCol-3 endCol-3 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">100.00 </td><td class=\"startCol-4 endCol-4 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">Utrecht </td><td class=\"startCol-5 endCol-5 valign-bottom border-right-1\" style=\"text-align:left;vertical-align:bottom;\">Holding &amp; Other </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-left-1\" style=\"text-align:left;vertical-align:bottom;\">ASR Nederland N.V. </td><td class=\"startCol-2 endCol-2 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">100.00 </td><td class=\"startCol-3 endCol-3 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">100.00 </td><td class=\"startCol-4 endCol-4 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">Utrecht </td><td class=\"startCol-5 endCol-5 valign-bottom border-right-1\" style=\"text-align:left;vertical-align:bottom;\">Holding &amp; Other </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-left-1\" style=\"text-align:left;vertical-align:bottom;\">ASR Service Maatschappij N.V.<sup class=\"footnote cShowTooltip\" title=\"These are companies for which a statement of joint and several liability under section 403, Book 2 of the Dutch Civil Code has been issued.\">2 </sup></td><td class=\"startCol-2 endCol-2 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">100.00 </td><td class=\"startCol-3 endCol-3 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">100.00 </td><td class=\"startCol-4 endCol-4 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">Rotterdam </td><td class=\"startCol-5 endCol-5 valign-bottom border-right-1\" style=\"text-align:left;vertical-align:bottom;\">Holding &amp; Other </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-left-1\" style=\"text-align:left;vertical-align:bottom;\">ASR Vastgoed Projecten B.V. </td><td class=\"startCol-2 endCol-2 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">100.00 </td><td class=\"startCol-3 endCol-3 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">100.00 </td><td class=\"startCol-4 endCol-4 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">Utrecht </td><td class=\"startCol-5 endCol-5 valign-bottom border-right-1\" style=\"text-align:left;vertical-align:bottom;\">Holding &amp; Other </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-left-1\" style=\"text-align:left;vertical-align:bottom;\">ASR Vooruit B.V.<sup class=\"footnote cShowTooltip\" title=\"Other Wft registered companies\">1 </sup></td><td class=\"startCol-2 endCol-2 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">100.00 </td><td class=\"startCol-3 endCol-3 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">100.00 </td><td class=\"startCol-4 endCol-4 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">Utrecht </td><td class=\"startCol-5 endCol-5 valign-bottom border-right-1\" style=\"text-align:left;vertical-align:bottom;\">Holding &amp; Other </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle align-left border-left-1\" style=\"text-align:left;vertical-align:middle;\">Aegon Administratie B.V.<sup class=\"footnote cShowTooltip\" title=\"These are companies for which a statement of joint and several liability under section 403, Book 2 of the Dutch Civil Code has been issued.\">2 </sup></td><td class=\"startCol-2 endCol-2 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">100.00 </td><td class=\"startCol-3 endCol-3 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">100.00 </td><td class=\"startCol-4 endCol-4 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">Den Haag </td><td class=\"startCol-5 endCol-5 valign-bottom border-right-1\" style=\"text-align:left;vertical-align:bottom;\">Holding &amp; Other </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle align-left border-left-1\" style=\"text-align:left;vertical-align:middle;\">Aegon Global Investment Fund B.V.<sup class=\"footnote cShowTooltip\" title=\"These are companies for which a statement of joint and several liability under section 403, Book 2 of the Dutch Civil Code has been issued.\">2 </sup></td><td class=\"startCol-2 endCol-2 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">100.00 </td><td class=\"startCol-3 endCol-3 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">100.00 </td><td class=\"startCol-4 endCol-4 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">Den Haag </td><td class=\"startCol-5 endCol-5 valign-bottom border-right-1\" style=\"text-align:left;vertical-align:bottom;\">Holding &amp; Other </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-left-1\" style=\"text-align:left;vertical-align:bottom;\">Aegon Innovation Investments B.V.<sup class=\"footnote cShowTooltip\" title=\"These are companies for which a statement of joint and several liability under section 403, Book 2 of the Dutch Civil Code has been issued.\">2 </sup></td><td class=\"startCol-2 endCol-2 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">100.00 </td><td class=\"startCol-3 endCol-3 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">100.00 </td><td class=\"startCol-4 endCol-4 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">Den Haag </td><td class=\"startCol-5 endCol-5 valign-bottom border-right-1\" style=\"text-align:left;vertical-align:bottom;\">Holding &amp; Other </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle align-left border-left-1\" style=\"text-align:left;vertical-align:middle;\">Aegon Loans B.V. </td><td class=\"startCol-2 endCol-2 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">100.00 </td><td class=\"startCol-3 endCol-3 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">100.00 </td><td class=\"startCol-4 endCol-4 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">Den Haag </td><td class=\"startCol-5 endCol-5 valign-bottom border-right-1\" style=\"text-align:left;vertical-align:bottom;\">Holding &amp; Other </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-left-1\" style=\"text-align:left;vertical-align:bottom;\">Aegon Administratieve Dienstverlening B.V. </td><td class=\"startCol-2 endCol-2 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">100.00 </td><td class=\"startCol-3 endCol-3 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">100.00 </td><td class=\"startCol-4 endCol-4 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">Den Haag </td><td class=\"startCol-5 endCol-5 valign-bottom border-right-1\" style=\"text-align:left;vertical-align:bottom;\">Holding &amp; Other </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle align-left border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:middle;\">Servicemaatschappij \"De Hoofdpoort\" N.V.<sup class=\"footnote cShowTooltip\" title=\"These are companies for which a statement of joint and several liability under section 403, Book 2 of the Dutch Civil Code has been issued.\">2 </sup></td><td class=\"startCol-2 endCol-2 valign-bottom align-left border-bottom-1\" style=\"text-align:left;vertical-align:bottom;\">100.00 </td><td class=\"startCol-3 endCol-3 valign-bottom align-left border-bottom-1\" style=\"text-align:left;vertical-align:bottom;\">100.00 </td><td class=\"startCol-4 endCol-4 valign-bottom align-left border-bottom-1\" style=\"text-align:left;vertical-align:bottom;\">Utrecht </td><td class=\"startCol-5 endCol-5 valign-bottom border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\">Holding &amp; Other </td></tr></tbody></table><ol class=\"footnotes width-50\"><li> Other Wft registered companies </li><li> These are companies for which a statement of joint and several liability under section 403, Book 2 of the Dutch Civil Code has been issued. </li></ol> <br/>\n<p>The principal group companies are located in the Netherlands. </p>\n<p>For notes to equity interests in associates and joint ventures, see <a href=\"#n1289341\" title=\"Associates and joint ventures\">chapter 7.5.4</a>. The list of equity interests which are required under Sections 379 and 414, Book 2 of the Dutch Civil Code has been filed with the Trade Register of the Chamber of Commerce in Utrecht. </p>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfInterestsInOtherEntitiesExplanatory",
    "language": "en",
    "entity": "scheme:7245000G0HS48PZWUD53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "ixv-632": {
   "value": "\n<h1 class=\"S_PARAGRAPH\" id=\"n1287035\"><span class=\"number\">7.4.1 </span><span class=\"title-text\">Group structure </span></h1>\n<p>The group comprises a number of operating and holding companies. Except where indicated, a.s.r. is 100% shareholder of these companies. </p><img alt=\"\" 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\" style=\"width:1920px;max-width:100%;\"/>\n\n<div class=\"header header-1\">Segment information </div>\n<p>The operations of a.s.r. have been divided into six (2022: five) operating segments. The main segments are the Non-life and Life segment in which all insurance activities are presented. The other activities are presented as four separate segments being Asset Management, Banking, Distribution and Services and Holding and Other. </p>\n<div class=\"header header-1\">Insurance activities </div>\n<p>Insurance entities are entities that accept the transfer of insurance risks from policyholders. The Non-life segment consists of non-life insurance entities and their subsidiaries. These non-life insurance entities offer non-life insurance contracts such as disability insurance and property and casualty insurance. The Life segment comprises the life insurance entities and their subsidiaries. This life insurance entities offer financial products such as life insurance contracts and life insurance contracts on behalf of policyholders. The Life segment also includes ASR Premiepensioeninstelling N.V. (a.s.r. IORP) and Aegon Cappital B.V. (Aegon IORP) which offer investment contracts to policyholders that bear no insurance risk and for which the actual return on investments allocated to the contract is passed on to the policyholder. The Non-life and Life segments have different levels of profitability and growth opportunities, as well as a different outlook and risk profile. See <a href=\"#n1285581\" title=\"List of principal group companies\">chapter 7.7.8</a> for a list of principal group companies and associates in the relevant segments. </p>\n<div class=\"header header-1\">Other activities </div>\n<p>The other activities consist of: </p><ul><li>\n<p>The Asset Management segment involves all activities related to asset management including investment property management. These activities include amongst others ASR Vermogensbeheer N.V., ASR Financieringen B.V., ASR Real Estate B.V., ASR Hypotheken B.V. and AEGON Hypotheken B.V. (Aegon hypotheken); </p></li><li>\n<p>The Banking segment consists of the Knab activities (Aegon Bank N.V.); </p></li><li>\n<p>The Distribution and Services segment includes the activities related to distribution of insurance contracts and include amongst others the financial intermediary business of PoliService B.V., Van Kampen Groep Holding B.V. (and Van Kampen Geld B.V. and Anac Backoffice B.V.), Dutch ID B.V. (and Felison Assuradeuren B.V. and Boval Assuranti\u00ebn B.V.), Supergarant Verzekeringen B.V. (and ZZP Nederland Verzekeringen B.V.), Corins B.V., Nedasco B.V., Robidus Groep B.V., TKP Pensioen B.V., Aegon Advies B.V. and AEGON Bemiddeling B.V.; </p></li><li>\n<p>The segment Holding and Other consists primarily of the holding activities of a.s.r. (including the group related activities), other holding and intermediate holding companies, the real estate development business (ASR Vastgoed Projecten B.V.), ASR Vitaliteit &amp; Preventieve Diensten B.V (Vitality), ASR Vooruit B.V., the investment firm that performs activities related to private investing for customers and the minority participations of ASR Deelnemingen N.V. </p></li></ul>\n<p>The eliminations applied in the reconciliation of the segment information to the consolidated balance sheet and the consolidated income statement are separately presented in <a href=\"#n1287063\" title=\"Segmented balance sheet\">chapter 7.4.2</a> and <a href=\"#n1287085\" title=\"Segmented income statement and operating result\">7.4.3</a>. </p>\n<p>The a.s.r. segment reporting shows the financial performance of each segment. The purpose is to allocate all items in the balance sheet and income statement to the segments that hold full management responsibility for them. </p>\n<p>Segment information has been prepared in accordance with the accounting principles used for the preparation of a.s.r.\u2019s consolidated financial statements (see <a href=\"#n1286070\" title=\"Accounting policies\">chapter 7.3</a>). Goodwill and other intangibles are presented in the related CGU\u2019s segment. Intersegment transactions are conducted at arm\u2019s length conditions. In general, costs related to centralised services are allocated to the segments based on the utilisation of these services. </p>\n<p>The segments are assessed on their operating result as defined in <a href=\"#n1286915\" title=\"Operating result\">chapter 7.10</a>. </p>\n<h1 class=\"S_PARAGRAPH\" id=\"n1285581\"><span class=\"number\">7.7.8 </span><span class=\"title-text\">List of principal group companies </span></h1>\n<h3 class=\"table-title\">List of principal group companies </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:0%;\"/><col style=\"width:7.5%;\"/><col style=\"width:6.5%;\"/><col style=\"width:13%;\"/><col style=\"width:21%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-left-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;\"><b>Company </b></th><th class=\"startCol-2 endCol-2 valign-bottom align-left border-bottom-1 border-left-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;\"><b>Equity interest </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-left border-bottom-1 border-left-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;\"><b>Rate of control </b></th><th class=\"startCol-4 endCol-4 valign-bottom align-left border-bottom-1 border-left-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;\"><b>Seat </b></th><th class=\"startCol-5 endCol-5 valign-bottom align-left border-bottom-1 border-left-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;\"><b>Segment </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-middle align-left border-left-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">ASR Aanvullende Ziektekostenverzekeringen N.V.<sup class=\"footnote cShowTooltip\" title=\"Registered insurance companies\">1 </sup></td><td class=\"startCol-2 endCol-2 valign-bottom align-left border-top-1\" style=\"text-align:left;vertical-align:bottom;\">100.00 </td><td class=\"startCol-3 endCol-3 valign-bottom align-left border-top-1\" style=\"text-align:left;vertical-align:bottom;\">100.00 </td><td class=\"startCol-4 endCol-4 valign-bottom align-left border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Utrecht </td><td class=\"startCol-5 endCol-5 valign-bottom border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Non-life </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle align-left border-left-1\" style=\"text-align:left;vertical-align:middle;\">ASR Basis Ziektekostenverzekeringen N.V.<sup class=\"footnote cShowTooltip\" title=\"Registered insurance companies\">1 </sup></td><td class=\"startCol-2 endCol-2 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">100.00 </td><td class=\"startCol-3 endCol-3 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">100.00 </td><td class=\"startCol-4 endCol-4 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">Utrecht </td><td class=\"startCol-5 endCol-5 valign-bottom border-right-1\" style=\"text-align:left;vertical-align:bottom;\">Non-life </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle align-left border-left-1\" style=\"text-align:left;vertical-align:middle;\">ASR Schadeverzekering N.V.<sup class=\"footnote cShowTooltip\" title=\"Registered insurance companies\">1 </sup></td><td class=\"startCol-2 endCol-2 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">100.00 </td><td class=\"startCol-3 endCol-3 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">100.00 </td><td class=\"startCol-4 endCol-4 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">Utrecht </td><td class=\"startCol-5 endCol-5 valign-bottom border-right-1\" style=\"text-align:left;vertical-align:bottom;\">Non-life </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle align-left border-left-1\" style=\"text-align:left;vertical-align:middle;\">ASR Wlz-uitvoerder B.V. </td><td class=\"startCol-2 endCol-2 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">100.00 </td><td class=\"startCol-3 endCol-3 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">100.00 </td><td class=\"startCol-4 endCol-4 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">Utrecht </td><td class=\"startCol-5 endCol-5 valign-bottom border-right-1\" style=\"text-align:left;vertical-align:bottom;\">Non-life </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-left-1\" style=\"text-align:left;vertical-align:bottom;\">ASR Ziektekostenverzekeringen N.V.<sup class=\"footnote cShowTooltip\" title=\"These are companies for which a statement of joint and several liability under section 403, Book 2 of the Dutch Civil Code has been issued.\">2 </sup></td><td class=\"startCol-2 endCol-2 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">100.00 </td><td class=\"startCol-3 endCol-3 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">100.00 </td><td class=\"startCol-4 endCol-4 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">Utrecht </td><td class=\"startCol-5 endCol-5 valign-bottom border-right-1\" style=\"text-align:left;vertical-align:bottom;\">Non-life </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-left-1\" style=\"text-align:left;vertical-align:bottom;\">ASR Infrastructure Renewables B.V. </td><td class=\"startCol-2 endCol-2 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">100.00 </td><td class=\"startCol-3 endCol-3 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">100.00 </td><td class=\"startCol-4 endCol-4 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">Utrecht </td><td class=\"startCol-5 endCol-5 valign-bottom border-right-1\" style=\"text-align:left;vertical-align:bottom;\">Life </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle align-left border-left-1\" style=\"text-align:left;vertical-align:middle;\">ASR Levensverzekering N.V.<sup class=\"footnote cShowTooltip\" title=\"Registered insurance companies\">1 </sup></td><td class=\"startCol-2 endCol-2 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">100.00 </td><td class=\"startCol-3 endCol-3 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">100.00 </td><td class=\"startCol-4 endCol-4 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">Utrecht </td><td class=\"startCol-5 endCol-5 valign-bottom border-right-1\" style=\"text-align:left;vertical-align:bottom;\">Life </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-left-1\" style=\"text-align:left;vertical-align:bottom;\">ASR Utrecht Real Estate Investments Netherlands B.V. </td><td class=\"startCol-2 endCol-2 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">100.00 </td><td class=\"startCol-3 endCol-3 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">100.00 </td><td class=\"startCol-4 endCol-4 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">Amsterdam </td><td class=\"startCol-5 endCol-5 valign-bottom border-right-1\" style=\"text-align:left;vertical-align:bottom;\">Life </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-left-1\" style=\"text-align:left;vertical-align:bottom;\">ASR Premiepensioeninstelling N.V.<sup class=\"footnote cShowTooltip\" title=\"Other Wft registered companies\">3 </sup></td><td class=\"startCol-2 endCol-2 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">100.00 </td><td class=\"startCol-3 endCol-3 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">100.00 </td><td class=\"startCol-4 endCol-4 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">Amsterdam </td><td class=\"startCol-5 endCol-5 valign-bottom border-right-1\" style=\"text-align:left;vertical-align:bottom;\">Life </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-left-1\" style=\"text-align:left;vertical-align:bottom;\">Aegon Cappital B.V.<sup class=\"footnote cShowTooltip\" title=\"Other Wft registered companies\">3 </sup></td><td class=\"startCol-2 endCol-2 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">100.00 </td><td class=\"startCol-3 endCol-3 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">100.00 </td><td class=\"startCol-4 endCol-4 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">Den Haag </td><td class=\"startCol-5 endCol-5 valign-bottom border-right-1\" style=\"text-align:left;vertical-align:bottom;\">Life </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle align-left border-left-1\" style=\"text-align:left;vertical-align:middle;\">Aegon Levensverzekering N.V.<sup class=\"footnote cShowTooltip\" title=\"Registered insurance companies\">1 </sup></td><td class=\"startCol-2 endCol-2 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">100.00 </td><td class=\"startCol-3 endCol-3 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">100.00 </td><td class=\"startCol-4 endCol-4 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">Den Haag </td><td class=\"startCol-5 endCol-5 valign-bottom border-right-1\" style=\"text-align:left;vertical-align:bottom;\">Life </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle align-left border-left-1\" style=\"text-align:left;vertical-align:middle;\">Aegon Spaarkas N.V.<sup class=\"footnote cShowTooltip\" title=\"Other Wft registered companies\">4 </sup></td><td class=\"startCol-2 endCol-2 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">100.00 </td><td class=\"startCol-3 endCol-3 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">100.00 </td><td class=\"startCol-4 endCol-4 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">Den Haag </td><td class=\"startCol-5 endCol-5 valign-bottom border-right-1\" style=\"text-align:left;vertical-align:bottom;\">Life </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-left-1\" style=\"text-align:left;vertical-align:bottom;\">Aegon DL B.V.<sup class=\"footnote cShowTooltip\" title=\"These are companies for which a statement of joint and several liability under section 403, Book 2 of the Dutch Civil Code has been issued.\">2 </sup></td><td class=\"startCol-2 endCol-2 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">100.00 </td><td class=\"startCol-3 endCol-3 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">100.00 </td><td class=\"startCol-4 endCol-4 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">Den Haag </td><td class=\"startCol-5 endCol-5 valign-bottom border-right-1\" style=\"text-align:left;vertical-align:bottom;\">Life </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-left-1\" style=\"text-align:left;vertical-align:bottom;\">Amvest Home Free B.V.<sup class=\"footnote cShowTooltip\" title=\"These are companies for which a statement of joint and several liability under section 403, Book 2 of the Dutch Civil Code has been issued.\">2 </sup></td><td class=\"startCol-2 endCol-2 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">100.00 </td><td class=\"startCol-3 endCol-3 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">100.00 </td><td class=\"startCol-4 endCol-4 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">Zeist </td><td class=\"startCol-5 endCol-5 valign-bottom border-right-1\" style=\"text-align:left;vertical-align:bottom;\">Life </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-left-1\" style=\"text-align:left;vertical-align:bottom;\">Vastgoedmaatschappij Inpa B.V.<sup class=\"footnote cShowTooltip\" title=\"These are companies for which a statement of joint and several liability under section 403, Book 2 of the Dutch Civil Code has been issued.\">2 </sup></td><td class=\"startCol-2 endCol-2 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">100.00 </td><td class=\"startCol-3 endCol-3 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">100.00 </td><td class=\"startCol-4 endCol-4 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">Den Haag </td><td class=\"startCol-5 endCol-5 valign-bottom border-right-1\" style=\"text-align:left;vertical-align:bottom;\">Life </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-left-1\" style=\"text-align:left;vertical-align:bottom;\">Orcinus 2023 B.V. </td><td class=\"startCol-2 endCol-2 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">100.00 </td><td class=\"startCol-3 endCol-3 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">100.00 </td><td class=\"startCol-4 endCol-4 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">Utrecht </td><td class=\"startCol-5 endCol-5 valign-bottom border-right-1\" style=\"text-align:left;vertical-align:bottom;\">Life </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-left-1\" style=\"text-align:left;vertical-align:bottom;\">Delphinus 2023-I B.V. </td><td class=\"startCol-2 endCol-2 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">100.00 </td><td class=\"startCol-3 endCol-3 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">100.00 </td><td class=\"startCol-4 endCol-4 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">Utrecht </td><td class=\"startCol-5 endCol-5 valign-bottom border-right-1\" style=\"text-align:left;vertical-align:bottom;\">Life </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-left-1\" style=\"text-align:left;vertical-align:bottom;\">Aegon Bank N.V.<sup class=\"footnote cShowTooltip\" title=\"Other Wft registered companies\">3 </sup></td><td class=\"startCol-2 endCol-2 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">100.00 </td><td class=\"startCol-3 endCol-3 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">100.00 </td><td class=\"startCol-4 endCol-4 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">Amsterdam </td><td class=\"startCol-5 endCol-5 valign-bottom border-right-1\" style=\"text-align:left;vertical-align:bottom;\">Bank </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-left-1\" style=\"text-align:left;vertical-align:bottom;\">Orange Loans B.V.<sup class=\"footnote cShowTooltip\" title=\"These are companies for which a statement of joint and several liability under section 403, Book 2 of the Dutch Civil Code has been issued.\">2 </sup></td><td class=\"startCol-2 endCol-2 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">100.00 </td><td class=\"startCol-3 endCol-3 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">100.00 </td><td class=\"startCol-4 endCol-4 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">Amsterdam </td><td class=\"startCol-5 endCol-5 valign-bottom border-right-1\" style=\"text-align:left;vertical-align:bottom;\">Bank </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-left-1\" style=\"text-align:left;vertical-align:bottom;\">ASR Financieringen B.V.<sup class=\"footnote cShowTooltip\" title=\"These are companies for which a statement of joint and several liability under section 403, Book 2 of the Dutch Civil Code has been issued.\">2 </sup></td><td class=\"startCol-2 endCol-2 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">100.00 </td><td class=\"startCol-3 endCol-3 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">100.00 </td><td class=\"startCol-4 endCol-4 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">Utrecht </td><td class=\"startCol-5 endCol-5 valign-bottom border-right-1\" style=\"text-align:left;vertical-align:bottom;\">Asset Management </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-left-1\" style=\"text-align:left;vertical-align:bottom;\">ASR Hypotheken B.V.<sup class=\"footnote cShowTooltip\" title=\"These are companies for which a statement of joint and several liability under section 403, Book 2 of the Dutch Civil Code has been issued.\">2 </sup></td><td class=\"startCol-2 endCol-2 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">100.00 </td><td class=\"startCol-3 endCol-3 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">100.00 </td><td class=\"startCol-4 endCol-4 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">Utrecht </td><td class=\"startCol-5 endCol-5 valign-bottom border-right-1\" style=\"text-align:left;vertical-align:bottom;\">Asset Management </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-left-1\" style=\"text-align:left;vertical-align:bottom;\">ASR Real Estate B.V.<sup class=\"footnote cShowTooltip\" title=\"These are companies for which a statement of joint and several liability under section 403, Book 2 of the Dutch Civil Code has been issued.\">5</sup><sup class=\"footnote cShowTooltip\" title=\"Other Wft registered companies\">3 </sup></td><td class=\"startCol-2 endCol-2 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">100.00 </td><td class=\"startCol-3 endCol-3 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">100.00 </td><td class=\"startCol-4 endCol-4 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">Utrecht </td><td class=\"startCol-5 endCol-5 valign-bottom border-right-1\" style=\"text-align:left;vertical-align:bottom;\">Asset Management </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-left-1\" style=\"text-align:left;vertical-align:bottom;\">ASR Vermogensbeheer N.V.<sup class=\"footnote cShowTooltip\" title=\"These are companies for which a statement of joint and several liability under section 403, Book 2 of the Dutch Civil Code has been issued.\">5</sup><sup class=\"footnote cShowTooltip\" title=\"Other Wft registered companies\">3 </sup></td><td class=\"startCol-2 endCol-2 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">100.00 </td><td class=\"startCol-3 endCol-3 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">100.00 </td><td class=\"startCol-4 endCol-4 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">Utrecht </td><td class=\"startCol-5 endCol-5 valign-bottom border-right-1\" style=\"text-align:left;vertical-align:bottom;\">Asset Management </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-left-1\" style=\"text-align:left;vertical-align:bottom;\">Aegon Hypotheken B.V. </td><td class=\"startCol-2 endCol-2 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">100.00 </td><td class=\"startCol-3 endCol-3 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">100.00 </td><td class=\"startCol-4 endCol-4 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">Den Haag </td><td class=\"startCol-5 endCol-5 valign-bottom border-right-1\" style=\"text-align:left;vertical-align:bottom;\">Asset Management </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle align-left border-left-1\" style=\"text-align:left;vertical-align:middle;\">dRA Exploitatie B.V.<sup class=\"footnote cShowTooltip\" title=\"Other Wft registered companies\">4 </sup></td><td class=\"startCol-2 endCol-2 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">100.00 </td><td class=\"startCol-3 endCol-3 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">100.00 </td><td class=\"startCol-4 endCol-4 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">Lochem </td><td class=\"startCol-5 endCol-5 valign-bottom border-right-1\" style=\"text-align:left;vertical-align:bottom;\">Distribution &amp; Services </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle align-left border-left-1\" style=\"text-align:left;vertical-align:middle;\">Anac, All-Finance Nederland Advies-Combinatie B.V.<sup class=\"footnote cShowTooltip\" title=\"Other Wft registered companies\">4 </sup></td><td class=\"startCol-2 endCol-2 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">100.00 </td><td class=\"startCol-3 endCol-3 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">100.00 </td><td class=\"startCol-4 endCol-4 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">Eindhoven </td><td class=\"startCol-5 endCol-5 valign-bottom border-right-1\" style=\"text-align:left;vertical-align:bottom;\">Distribution &amp; Services </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-left-1\" style=\"text-align:left;vertical-align:bottom;\">ASR Vitaliteit &amp; Preventieve Diensten B.V. </td><td class=\"startCol-2 endCol-2 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">100.00 </td><td class=\"startCol-3 endCol-3 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">100.00 </td><td class=\"startCol-4 endCol-4 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">Utrecht </td><td class=\"startCol-5 endCol-5 valign-bottom border-right-1\" style=\"text-align:left;vertical-align:bottom;\">Distribution &amp; Services </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle align-left border-left-1\" style=\"text-align:left;vertical-align:middle;\">Assurantiekantoor Lodewijk B.V.<sup class=\"footnote cShowTooltip\" title=\"Other Wft registered companies\">4 </sup></td><td class=\"startCol-2 endCol-2 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">100.00 </td><td class=\"startCol-3 endCol-3 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">100.00 </td><td class=\"startCol-4 endCol-4 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">Wezep </td><td class=\"startCol-5 endCol-5 valign-bottom border-right-1\" style=\"text-align:left;vertical-align:bottom;\">Distribution &amp; Services </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-left-1\" style=\"text-align:left;vertical-align:bottom;\">Bedrijfsartsengroep Holding B.V. </td><td class=\"startCol-2 endCol-2 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">100.00 </td><td class=\"startCol-3 endCol-3 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">100.00 </td><td class=\"startCol-4 endCol-4 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">Heerenveen </td><td class=\"startCol-5 endCol-5 valign-bottom border-right-1\" style=\"text-align:left;vertical-align:bottom;\">Distribution &amp; Services </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle align-left border-left-1\" style=\"text-align:left;vertical-align:middle;\">Boval Assuranti\u00ebn B.V.<sup class=\"footnote cShowTooltip\" title=\"Other Wft registered companies\">4 </sup></td><td class=\"startCol-2 endCol-2 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">100.00 </td><td class=\"startCol-3 endCol-3 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">100.00 </td><td class=\"startCol-4 endCol-4 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">Velserbroek </td><td class=\"startCol-5 endCol-5 valign-bottom border-right-1\" style=\"text-align:left;vertical-align:bottom;\">Distribution &amp; Services </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle align-left border-left-1\" style=\"text-align:left;vertical-align:middle;\">Corins B.V.<sup class=\"footnote cShowTooltip\" title=\"Other Wft registered companies\">4 </sup></td><td class=\"startCol-2 endCol-2 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">100.00 </td><td class=\"startCol-3 endCol-3 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">100.00 </td><td class=\"startCol-4 endCol-4 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">Amsterdam </td><td class=\"startCol-5 endCol-5 valign-bottom border-right-1\" style=\"text-align:left;vertical-align:bottom;\">Distribution &amp; Services </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-left-1\" style=\"text-align:left;vertical-align:bottom;\">Dutch ID B.V. </td><td class=\"startCol-2 endCol-2 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">100.00 </td><td class=\"startCol-3 endCol-3 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">100.00 </td><td class=\"startCol-4 endCol-4 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">Velserbroek </td><td class=\"startCol-5 endCol-5 valign-bottom border-right-1\" style=\"text-align:left;vertical-align:bottom;\">Distribution &amp; Services </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle align-left border-left-1\" style=\"text-align:left;vertical-align:middle;\">Felison Assuradeuren B.V.<sup class=\"footnote cShowTooltip\" title=\"Other Wft registered companies\">4 </sup></td><td class=\"startCol-2 endCol-2 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">100.00 </td><td class=\"startCol-3 endCol-3 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">100.00 </td><td class=\"startCol-4 endCol-4 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">Velserbroek </td><td class=\"startCol-5 endCol-5 valign-bottom border-right-1\" style=\"text-align:left;vertical-align:bottom;\">Distribution &amp; Services </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle align-left border-left-1\" style=\"text-align:left;vertical-align:middle;\">Van Helvoort Assuradeuren B.V.<sup class=\"footnote cShowTooltip\" title=\"Other Wft registered companies\">4 </sup></td><td class=\"startCol-2 endCol-2 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">100.00 </td><td class=\"startCol-3 endCol-3 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">100.00 </td><td class=\"startCol-4 endCol-4 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">Gemert </td><td class=\"startCol-5 endCol-5 valign-bottom border-right-1\" style=\"text-align:left;vertical-align:bottom;\">Distribution &amp; Services </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle align-left border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:middle;\">Van Helvoort Registermakelaars in Assuranti\u00ebn B.V.<sup class=\"footnote cShowTooltip\" title=\"Other Wft registered companies\">4 </sup></td><td class=\"startCol-2 endCol-2 valign-bottom align-left border-bottom-1\" style=\"text-align:left;vertical-align:bottom;\">100.00 </td><td class=\"startCol-3 endCol-3 valign-bottom align-left border-bottom-1\" style=\"text-align:left;vertical-align:bottom;\">100.00 </td><td class=\"startCol-4 endCol-4 valign-bottom align-left border-bottom-1\" style=\"text-align:left;vertical-align:bottom;\">Gemert </td><td class=\"startCol-5 endCol-5 valign-bottom border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\">Distribution &amp; Services </td></tr></tbody></table><ol class=\"footnotes width-100\"><li> Registered insurance companies </li><li> These are companies for which a statement of joint and several liability under section 403, Book 2 of the Dutch Civil Code has been issued. </li><li> Other Wft registered companies </li><li> Other Wft registered companies </li><li> These are companies for which a statement of joint and several liability under section 403, Book 2 of the Dutch Civil Code has been issued. </li></ol> <br/>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:0%;\"/><col style=\"width:7.5%;\"/><col style=\"width:6.5%;\"/><col style=\"width:13%;\"/><col style=\"width:21%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-left-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;\"><b>Company </b></th><th class=\"startCol-2 endCol-2 valign-bottom align-left border-bottom-1 border-left-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;\"><b>Equity interest </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-left border-bottom-1 border-left-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;\"><b>Rate of control </b></th><th class=\"startCol-4 endCol-4 valign-bottom align-left border-bottom-1 border-left-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;\"><b>Seat </b></th><th class=\"startCol-5 endCol-5 valign-bottom align-left border-bottom-1 border-left-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;\"><b>Segment </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-middle align-left border-left-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">PoliService B.V.<sup class=\"footnote cShowTooltip\" title=\"Other Wft registered companies\">1 </sup></td><td class=\"startCol-2 endCol-2 valign-bottom align-left border-top-1\" style=\"text-align:left;vertical-align:bottom;\">100.00 </td><td class=\"startCol-3 endCol-3 valign-bottom align-left border-top-1\" style=\"text-align:left;vertical-align:bottom;\">100.00 </td><td class=\"startCol-4 endCol-4 valign-bottom align-left border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Hardinxveld-Giessendam </td><td class=\"startCol-5 endCol-5 valign-bottom border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Distribution &amp; Services </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle align-left border-left-1\" style=\"text-align:left;vertical-align:middle;\">Supergarant Verzekeringen B.V.<sup class=\"footnote cShowTooltip\" title=\"Other Wft registered companies\">1 </sup></td><td class=\"startCol-2 endCol-2 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">100.00 </td><td class=\"startCol-3 endCol-3 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">100.00 </td><td class=\"startCol-4 endCol-4 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">Leidschendam </td><td class=\"startCol-5 endCol-5 valign-bottom border-right-1\" style=\"text-align:left;vertical-align:bottom;\">Distribution &amp; Services </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle align-left border-left-1\" style=\"text-align:left;vertical-align:middle;\">Van Kampen Geld B.V.<sup class=\"footnote cShowTooltip\" title=\"Other Wft registered companies\">1 </sup></td><td class=\"startCol-2 endCol-2 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">100.00 </td><td class=\"startCol-3 endCol-3 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">100.00 </td><td class=\"startCol-4 endCol-4 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">Hoorn </td><td class=\"startCol-5 endCol-5 valign-bottom border-right-1\" style=\"text-align:left;vertical-align:bottom;\">Distribution &amp; Services </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle align-left border-left-1\" style=\"text-align:left;vertical-align:middle;\">Van Kampen Groep Holding B.V.<sup class=\"footnote cShowTooltip\" title=\"Other Wft registered companies\">1 </sup></td><td class=\"startCol-2 endCol-2 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">100.00 </td><td class=\"startCol-3 endCol-3 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">100.00 </td><td class=\"startCol-4 endCol-4 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">Hoorn </td><td class=\"startCol-5 endCol-5 valign-bottom border-right-1\" style=\"text-align:left;vertical-align:bottom;\">Distribution &amp; Services </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-left-1\" style=\"text-align:left;vertical-align:bottom;\">ZZP Nederland Verzekeringen B.V.<sup class=\"footnote cShowTooltip\" title=\"Other Wft registered companies\">1 </sup></td><td class=\"startCol-2 endCol-2 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">100.00 </td><td class=\"startCol-3 endCol-3 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">100.00 </td><td class=\"startCol-4 endCol-4 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">Groningen </td><td class=\"startCol-5 endCol-5 valign-bottom border-right-1\" style=\"text-align:left;vertical-align:bottom;\">Distribution &amp; Services </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-left-1\" style=\"text-align:left;vertical-align:bottom;\">D&amp;S Holding B.V.<sup class=\"footnote cShowTooltip\" title=\"These are companies for which a statement of joint and several liability under section 403, Book 2 of the Dutch Civil Code has been issued.\">2 </sup></td><td class=\"startCol-2 endCol-2 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">100.00 </td><td class=\"startCol-3 endCol-3 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">100.00 </td><td class=\"startCol-4 endCol-4 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">Velserbroek </td><td class=\"startCol-5 endCol-5 valign-bottom border-right-1\" style=\"text-align:left;vertical-align:bottom;\">Distribution &amp; Services </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle align-left border-left-1\" style=\"text-align:left;vertical-align:middle;\">D&amp;S Participaties B.V.<sup class=\"footnote cShowTooltip\" title=\"These are companies for which a statement of joint and several liability under section 403, Book 2 of the Dutch Civil Code has been issued.\">2 </sup></td><td class=\"startCol-2 endCol-2 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">100.00 </td><td class=\"startCol-3 endCol-3 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">100.00 </td><td class=\"startCol-4 endCol-4 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">Velserbroek </td><td class=\"startCol-5 endCol-5 valign-bottom border-right-1\" style=\"text-align:left;vertical-align:bottom;\">Distribution &amp; Services </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-left-1\" style=\"text-align:left;vertical-align:bottom;\">Aegon Advies B.V.<sup class=\"footnote cShowTooltip\" title=\"Other Wft registered companies\">1 </sup></td><td class=\"startCol-2 endCol-2 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">100.00 </td><td class=\"startCol-3 endCol-3 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">100.00 </td><td class=\"startCol-4 endCol-4 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">Den Haag </td><td class=\"startCol-5 endCol-5 valign-bottom border-right-1\" style=\"text-align:left;vertical-align:bottom;\">Distribution &amp; Services </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-left-1\" style=\"text-align:left;vertical-align:bottom;\">Aegon Bemiddeling B.V.<sup class=\"footnote cShowTooltip\" title=\"Other Wft registered companies\">1 </sup></td><td class=\"startCol-2 endCol-2 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">100.00 </td><td class=\"startCol-3 endCol-3 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">100.00 </td><td class=\"startCol-4 endCol-4 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">Den Haag </td><td class=\"startCol-5 endCol-5 valign-bottom border-right-1\" style=\"text-align:left;vertical-align:bottom;\">Distribution &amp; Services </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-left-1\" style=\"text-align:left;vertical-align:bottom;\">Obra Services B.V.<sup class=\"footnote cShowTooltip\" title=\"These are companies for which a statement of joint and several liability under section 403, Book 2 of the Dutch Civil Code has been issued.\">2 </sup></td><td class=\"startCol-2 endCol-2 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">100.00 </td><td class=\"startCol-3 endCol-3 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">100.00 </td><td class=\"startCol-4 endCol-4 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">Zaandam </td><td class=\"startCol-5 endCol-5 valign-bottom border-right-1\" style=\"text-align:left;vertical-align:bottom;\">Distribution &amp; Services </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle align-left border-left-1\" style=\"text-align:left;vertical-align:middle;\">Robidus Risk Consulting B.V.<sup class=\"footnote cShowTooltip\" title=\"These are companies for which a statement of joint and several liability under section 403, Book 2 of the Dutch Civil Code has been issued.\">2 </sup></td><td class=\"startCol-2 endCol-2 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">100.00 </td><td class=\"startCol-3 endCol-3 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">100.00 </td><td class=\"startCol-4 endCol-4 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">Zaanstad </td><td class=\"startCol-5 endCol-5 valign-bottom border-right-1\" style=\"text-align:left;vertical-align:bottom;\">Distribution &amp; Services </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle align-left border-left-1\" style=\"text-align:left;vertical-align:middle;\">Robidus Services B.V.<sup class=\"footnote cShowTooltip\" title=\"These are companies for which a statement of joint and several liability under section 403, Book 2 of the Dutch Civil Code has been issued.\">2 </sup></td><td class=\"startCol-2 endCol-2 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">100.00 </td><td class=\"startCol-3 endCol-3 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">100.00 </td><td class=\"startCol-4 endCol-4 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">Zaanstad </td><td class=\"startCol-5 endCol-5 valign-bottom border-right-1\" style=\"text-align:left;vertical-align:bottom;\">Distribution &amp; Services </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-left-1\" style=\"text-align:left;vertical-align:bottom;\">Robidus Solutions B.V.<sup class=\"footnote cShowTooltip\" title=\"These are companies for which a statement of joint and several liability under section 403, Book 2 of the Dutch Civil Code has been issued.\">2 </sup></td><td class=\"startCol-2 endCol-2 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">100.00 </td><td class=\"startCol-3 endCol-3 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">100.00 </td><td class=\"startCol-4 endCol-4 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">Zaanstad </td><td class=\"startCol-5 endCol-5 valign-bottom border-right-1\" style=\"text-align:left;vertical-align:bottom;\">Distribution &amp; Services </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-left-1\" style=\"text-align:left;vertical-align:bottom;\">Nedasco B.V.<sup class=\"footnote cShowTooltip\" title=\"Other Wft registered companies\">1 </sup></td><td class=\"startCol-2 endCol-2 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">100.00 </td><td class=\"startCol-3 endCol-3 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">100.00 </td><td class=\"startCol-4 endCol-4 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">Amersfoort </td><td class=\"startCol-5 endCol-5 valign-bottom border-right-1\" style=\"text-align:left;vertical-align:bottom;\">Distribution &amp; Services </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-left-1\" style=\"text-align:left;vertical-align:bottom;\">De Regt Adviesgroep B.V.<sup class=\"footnote cShowTooltip\" title=\"Other Wft registered companies\">1 </sup></td><td class=\"startCol-2 endCol-2 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">100.00 </td><td class=\"startCol-3 endCol-3 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">100.00 </td><td class=\"startCol-4 endCol-4 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">Den Haag </td><td class=\"startCol-5 endCol-5 valign-bottom border-right-1\" style=\"text-align:left;vertical-align:bottom;\">Distribution &amp; Services </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-left-1\" style=\"text-align:left;vertical-align:bottom;\">TKP Pensioen B.V. </td><td class=\"startCol-2 endCol-2 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">100.00 </td><td class=\"startCol-3 endCol-3 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">100.00 </td><td class=\"startCol-4 endCol-4 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">Groningen </td><td class=\"startCol-5 endCol-5 valign-bottom border-right-1\" style=\"text-align:left;vertical-align:bottom;\">Distribution &amp; Services </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-left-1\" style=\"text-align:left;vertical-align:bottom;\">Administratie- en Adviesbureau voor Belegging en Krediet (A.B.K.) B.V.<sup class=\"footnote cShowTooltip\" title=\"These are companies for which a statement of joint and several liability under section 403, Book 2 of the Dutch Civil Code has been issued.\">2 </sup></td><td class=\"startCol-2 endCol-2 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">100.00 </td><td class=\"startCol-3 endCol-3 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">100.00 </td><td class=\"startCol-4 endCol-4 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">Amersfoort </td><td class=\"startCol-5 endCol-5 valign-bottom border-right-1\" style=\"text-align:left;vertical-align:bottom;\">Holding &amp; Other </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-left-1\" style=\"text-align:left;vertical-align:bottom;\">ASAM N.V.<sup class=\"footnote cShowTooltip\" title=\"These are companies for which a statement of joint and several liability under section 403, Book 2 of the Dutch Civil Code has been issued.\">2 </sup></td><td class=\"startCol-2 endCol-2 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">100.00 </td><td class=\"startCol-3 endCol-3 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">100.00 </td><td class=\"startCol-4 endCol-4 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">Utrecht </td><td class=\"startCol-5 endCol-5 valign-bottom border-right-1\" style=\"text-align:left;vertical-align:bottom;\">Holding &amp; Other </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-left-1\" style=\"text-align:left;vertical-align:bottom;\">ASR Betalingscentrum B.V.<sup class=\"footnote cShowTooltip\" title=\"These are companies for which a statement of joint and several liability under section 403, Book 2 of the Dutch Civil Code has been issued.\">2 </sup></td><td class=\"startCol-2 endCol-2 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">100.00 </td><td class=\"startCol-3 endCol-3 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">100.00 </td><td class=\"startCol-4 endCol-4 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">Utrecht </td><td class=\"startCol-5 endCol-5 valign-bottom border-right-1\" style=\"text-align:left;vertical-align:bottom;\">Holding &amp; Other </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-left-1\" style=\"text-align:left;vertical-align:bottom;\">ASR Deelnemingen N.V.<sup class=\"footnote cShowTooltip\" title=\"These are companies for which a statement of joint and several liability under section 403, Book 2 of the Dutch Civil Code has been issued.\">2 </sup></td><td class=\"startCol-2 endCol-2 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">100.00 </td><td class=\"startCol-3 endCol-3 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">100.00 </td><td class=\"startCol-4 endCol-4 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">Utrecht </td><td class=\"startCol-5 endCol-5 valign-bottom border-right-1\" style=\"text-align:left;vertical-align:bottom;\">Holding &amp; Other </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-left-1\" style=\"text-align:left;vertical-align:bottom;\">ASR Nederland N.V. </td><td class=\"startCol-2 endCol-2 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">100.00 </td><td class=\"startCol-3 endCol-3 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">100.00 </td><td class=\"startCol-4 endCol-4 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">Utrecht </td><td class=\"startCol-5 endCol-5 valign-bottom border-right-1\" style=\"text-align:left;vertical-align:bottom;\">Holding &amp; Other </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-left-1\" style=\"text-align:left;vertical-align:bottom;\">ASR Service Maatschappij N.V.<sup class=\"footnote cShowTooltip\" title=\"These are companies for which a statement of joint and several liability under section 403, Book 2 of the Dutch Civil Code has been issued.\">2 </sup></td><td class=\"startCol-2 endCol-2 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">100.00 </td><td class=\"startCol-3 endCol-3 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">100.00 </td><td class=\"startCol-4 endCol-4 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">Rotterdam </td><td class=\"startCol-5 endCol-5 valign-bottom border-right-1\" style=\"text-align:left;vertical-align:bottom;\">Holding &amp; Other </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-left-1\" style=\"text-align:left;vertical-align:bottom;\">ASR Vastgoed Projecten B.V. </td><td class=\"startCol-2 endCol-2 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">100.00 </td><td class=\"startCol-3 endCol-3 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">100.00 </td><td class=\"startCol-4 endCol-4 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">Utrecht </td><td class=\"startCol-5 endCol-5 valign-bottom border-right-1\" style=\"text-align:left;vertical-align:bottom;\">Holding &amp; Other </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-left-1\" style=\"text-align:left;vertical-align:bottom;\">ASR Vooruit B.V.<sup class=\"footnote cShowTooltip\" title=\"Other Wft registered companies\">1 </sup></td><td class=\"startCol-2 endCol-2 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">100.00 </td><td class=\"startCol-3 endCol-3 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">100.00 </td><td class=\"startCol-4 endCol-4 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">Utrecht </td><td class=\"startCol-5 endCol-5 valign-bottom border-right-1\" style=\"text-align:left;vertical-align:bottom;\">Holding &amp; Other </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle align-left border-left-1\" style=\"text-align:left;vertical-align:middle;\">Aegon Administratie B.V.<sup class=\"footnote cShowTooltip\" title=\"These are companies for which a statement of joint and several liability under section 403, Book 2 of the Dutch Civil Code has been issued.\">2 </sup></td><td class=\"startCol-2 endCol-2 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">100.00 </td><td class=\"startCol-3 endCol-3 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">100.00 </td><td class=\"startCol-4 endCol-4 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">Den Haag </td><td class=\"startCol-5 endCol-5 valign-bottom border-right-1\" style=\"text-align:left;vertical-align:bottom;\">Holding &amp; Other </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle align-left border-left-1\" style=\"text-align:left;vertical-align:middle;\">Aegon Global Investment Fund B.V.<sup class=\"footnote cShowTooltip\" title=\"These are companies for which a statement of joint and several liability under section 403, Book 2 of the Dutch Civil Code has been issued.\">2 </sup></td><td class=\"startCol-2 endCol-2 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">100.00 </td><td class=\"startCol-3 endCol-3 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">100.00 </td><td class=\"startCol-4 endCol-4 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">Den Haag </td><td class=\"startCol-5 endCol-5 valign-bottom border-right-1\" style=\"text-align:left;vertical-align:bottom;\">Holding &amp; Other </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-left-1\" style=\"text-align:left;vertical-align:bottom;\">Aegon Innovation Investments B.V.<sup class=\"footnote cShowTooltip\" title=\"These are companies for which a statement of joint and several liability under section 403, Book 2 of the Dutch Civil Code has been issued.\">2 </sup></td><td class=\"startCol-2 endCol-2 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">100.00 </td><td class=\"startCol-3 endCol-3 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">100.00 </td><td class=\"startCol-4 endCol-4 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">Den Haag </td><td class=\"startCol-5 endCol-5 valign-bottom border-right-1\" style=\"text-align:left;vertical-align:bottom;\">Holding &amp; Other </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle align-left border-left-1\" style=\"text-align:left;vertical-align:middle;\">Aegon Loans B.V. </td><td class=\"startCol-2 endCol-2 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">100.00 </td><td class=\"startCol-3 endCol-3 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">100.00 </td><td class=\"startCol-4 endCol-4 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">Den Haag </td><td class=\"startCol-5 endCol-5 valign-bottom border-right-1\" style=\"text-align:left;vertical-align:bottom;\">Holding &amp; Other </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-left-1\" style=\"text-align:left;vertical-align:bottom;\">Aegon Administratieve Dienstverlening B.V. </td><td class=\"startCol-2 endCol-2 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">100.00 </td><td class=\"startCol-3 endCol-3 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">100.00 </td><td class=\"startCol-4 endCol-4 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">Den Haag </td><td class=\"startCol-5 endCol-5 valign-bottom border-right-1\" style=\"text-align:left;vertical-align:bottom;\">Holding &amp; Other </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle align-left border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:middle;\">Servicemaatschappij \"De Hoofdpoort\" N.V.<sup class=\"footnote cShowTooltip\" title=\"These are companies for which a statement of joint and several liability under section 403, Book 2 of the Dutch Civil Code has been issued.\">2 </sup></td><td class=\"startCol-2 endCol-2 valign-bottom align-left border-bottom-1\" style=\"text-align:left;vertical-align:bottom;\">100.00 </td><td class=\"startCol-3 endCol-3 valign-bottom align-left border-bottom-1\" style=\"text-align:left;vertical-align:bottom;\">100.00 </td><td class=\"startCol-4 endCol-4 valign-bottom align-left border-bottom-1\" style=\"text-align:left;vertical-align:bottom;\">Utrecht </td><td class=\"startCol-5 endCol-5 valign-bottom border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\">Holding &amp; Other </td></tr></tbody></table><ol class=\"footnotes width-50\"><li> Other Wft registered companies </li><li> These are companies for which a statement of joint and several liability under section 403, Book 2 of the Dutch Civil Code has been issued. </li></ol> <br/>\n<p>The principal group companies are located in the Netherlands. </p>\n<p>For notes to equity interests in associates and joint ventures, see <a href=\"#n1289341\" title=\"Associates and joint ventures\">chapter 7.5.4</a>. The list of equity interests which are required under Sections 379 and 414, Book 2 of the Dutch Civil Code has been filed with the Trade Register of the Chamber of Commerce in Utrecht. </p>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n1287632\"><span class=\"title-text\">7.11.3.6 Subsidiaries </span></h1>\n<h3 class=\"table-title\">Subsidiaries </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:0%;\"/><col style=\"width:14%;\"/><col style=\"width:14%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-top align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:top;\">2023 </th><th class=\"startCol-3 endCol-3 valign-top align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:top;\">2022 </th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">At 1 January </td><td class=\"startCol-2 endCol-2 valign-top align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:top;\">5,781 </td><td class=\"startCol-3 endCol-3 valign-top align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:top;\">7,732 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">Additions </td><td class=\"startCol-2 endCol-2 valign-top align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:top;\">13 </td><td class=\"startCol-3 endCol-3 valign-top align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:top;\">39 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">Share of result </td><td class=\"startCol-2 endCol-2 valign-top align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:top;\">1,115 </td><td class=\"startCol-3 endCol-3 valign-top align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:top;\">-931 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">Dividend received </td><td class=\"startCol-2 endCol-2 valign-top align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:top;\">-1,194 </td><td class=\"startCol-3 endCol-3 valign-top align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:top;\">-753 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">Revaluations </td><td class=\"startCol-2 endCol-2 valign-top align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:top;\">202 </td><td class=\"startCol-3 endCol-3 valign-top align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:top;\">-412 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">Other changes </td><td class=\"startCol-2 endCol-2 valign-top align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:top;\">-9 </td><td class=\"startCol-3 endCol-3 valign-top align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:top;\">106 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">Changes in the composition of the group </td><td class=\"startCol-2 endCol-2 valign-top align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:top;\">5,570 </td><td class=\"startCol-3 endCol-3 valign-top align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:top;\">- </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\"><b>At 31 December </b></td><td class=\"startCol-2 endCol-2 valign-top align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:top;\"><b>11,478 </b></td><td class=\"startCol-3 endCol-3 valign-top align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:top;\"><b>5,781 </b></td></tr></tbody></table> <br/>\n<p>Changes in the composition of the group relates to the assets acquired through the acquisition of Aegon NL, see <a href=\"#n1287134\" title=\"Acquisitions\">chapter 7.4.5</a>. </p>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfSignificantInvestmentsInSubsidiariesExplanatory",
    "language": "en",
    "entity": "scheme:7245000G0HS48PZWUD53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "ixv-636": {
   "value": "\n<div class=\"tanPageBreak start-node\"> </div>\n<h1 class=\"S_PARAGRAPH\" id=\"n1287134\"><span class=\"number\">7.4.5 </span><span class=\"title-text\">Acquisitions </span></h1>\n<p>See accounting policy <a href=\"#n1286465\" title=\"H. Acquisitions (Business combinations)\">H</a>. </p>\n<div class=\"header header-1\">Acquisitions 2023 </div>\n<div class=\"header header-2\">Aegon Nederland </div>\n<p>On 4 July 2023, a.s.r. announced the completion of the business combination between a.s.r. and Aegon Ltd. (formerly known as Aegon N.V.) by acquiring the shares of Aegon NL. The consideration consists out of three elements: </p><ul><li>\n<p>Payment of 63,298,394 newly issued ordinary shares to Aegon Ltd. (29.99% interest in a.s.r. post transaction) with a value of \u20ac\u00a02.6 billion; </p></li><li>\n<p>A cash consideration of \u20ac\u00a02.3 billion which was funded through existing surplus capital, by offering 13,805,720 new ordinary shares (accelerated bookbuild offering) in 2022 and the issuance of a Tier 2 subordinated liability of \u20ac\u00a01 billion in 2022 and; </p></li><li>\n<p>Additionally, certain asset management services have been exchanged between a.s.r. and Aegon Ltd. as part of the business combination (third party mortgage and illiquid funds have moved to Aegon Ltd. while a.s.r. will manage liquid asset categories relating to the general account of Aegon NL). In aggregate, the fair value transferred to Aegon Ltd. in relation to these asset management activities is valued at \u20ac\u00a075 million. </p></li></ul>\n<p>Aegon NL was the group company of a number of entities, the main being Aegon life, Aegon Spaarkas N.V. (Aegon spaarkas), Aegon Schadeverzekering N.V. (Aegon non-life), Knab, Aegon hypotheken, TKP Pensioen B.V. (TKP Pensions), Robidus groep B.V. and Nedasco B.V. Aegon NL and its subsidiaries are active in life insurance and pensions operations, savings and investment products, accident and health insurance, general insurance, banking operations, mortgages, pension administration and intermediary activities. Aegon NL has been legally merged into a.s.r. as per 1 October 2023. Furthermore, Aegon non-life has legally merged into ASR Schadeverzekering N.V. (a.s.r. non-life) on the same date. </p>\n<p>With this business combination, a.s.r. will reinforce its strengths in the Dutch market, significantly enhancing its strategic positioning across both Non-Life and Life and improving its distribution and services capabilities. The Aegon name and brand will continue to exist for a period of two to three years. The main office of Aegon NL will remain located in The Hague until the end of 2024. The full integration of the activities of Aegon NL into a.s.r. will take place in phases and is expected to be largely completed within three years. </p>\n<p>In December 2023, a.s.r. established the final acquisition balance sheet of Aegon NL, in accordance with IFRS 3 business combinations, within twelve months of the closing date. The balance sheet is based on fair value and uses the following techniques and assumptions: </p><ul><li>\n<p>Insurance contract liabilities acquired have been measured under the GMM, VFA and PPA models and were remeasured to fair value as defined in IFRS at the date of acquisition. This resulted in a market value based on the multiple of Solvency II Eligible Own Funds Unrestricted Tier 1 methodology for the Non-Life and Life portfolios; </p></li><li>\n<p>Intangible assets recognised relate to customer and intermediary relationships in the Asset Management and Distribution &amp; Services segments, Aegon NL\u2019s brand names (including Knab, TKP and Robidus) and software in the Distribution &amp; Services segment. The valuation techniques used to measure the fair value are based on either the Multi-period Excess Earnings Method (MEEM) or the Relief from Royalty method; </p></li><li>\n<p>Financial assets and liabilities were remeasured to fair value at the closing date. </p></li></ul>\n<p>The fair value of the asset management services transferred as part of the business combination has been determined using a dividend discount model, taking into account an estimate of market consistent margins, the future development of portfolios in scope as well as related capital requirements. </p>\n<h3 class=\"table-title\">Final fair values of the assets and liabilities acquired on acquisition date </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:0%;\"/><col style=\"width:20%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">Acquisition date balance sheet based on fair value </th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Intangible assets </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">348 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-right-1\" style=\"text-align:left;vertical-align:bottom;\">Property, plant and equipment </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">91 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-right-1\" style=\"text-align:left;vertical-align:bottom;\">Investment property </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,409 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-right-1\" style=\"text-align:left;vertical-align:bottom;\">Associates and joint ventures at equity method </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">207 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-right-1\" style=\"text-align:left;vertical-align:bottom;\">Investments </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">51,862 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-right-1\" style=\"text-align:left;vertical-align:bottom;\">Investments related to direct participating contracts </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">18,249 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-right-1\" style=\"text-align:left;vertical-align:bottom;\">Derivatives </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">8,409 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-right-1\" style=\"text-align:left;vertical-align:bottom;\">Deferred tax assets </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">489 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-right-1\" style=\"text-align:left;vertical-align:bottom;\">Reinsurance contract assets </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">185 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-right-1\" style=\"text-align:left;vertical-align:bottom;\">Other assets </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">607 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\">Cash and cash equivalents </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">4,528 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total assets </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>87,384 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-right-1\" style=\"text-align:left;vertical-align:bottom;\">Insurance contract liabilities </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">30,539 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-right-1\" style=\"text-align:left;vertical-align:bottom;\">Liabilities arising from direct participating insurance contracts </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">23,226 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-right-1\" style=\"text-align:left;vertical-align:bottom;\">Employee benefits </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,340 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-right-1\" style=\"text-align:left;vertical-align:bottom;\">Provisions </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">44 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-right-1\" style=\"text-align:left;vertical-align:bottom;\">Borrowings </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">5,223 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-right-1\" style=\"text-align:left;vertical-align:bottom;\">Derivatives </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">7,987 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-right-1\" style=\"text-align:left;vertical-align:bottom;\">Savings deposits </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">11,258 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-right-1\" style=\"text-align:left;vertical-align:bottom;\">Due to banks </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">900 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\">Other liabilities </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">786 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total liabilities </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>82,304 </b></td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Net assets and liabilities </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>5,080 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-right-1\" style=\"text-align:left;vertical-align:bottom;\">Less consideration paid </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">4,917 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-right-1\" style=\"text-align:left;vertical-align:bottom;\">Less Non-controlling interests </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">10 </td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-right-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Gain as a result of the purchase </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>153 </b></td></tr></tbody></table> <br/>\n<p>The gain as a result of the purchase is directly recognised as other income in the income statement on the acquisition date. The gain mainly reflects the IFRS requirement to identify and value intangible assets which have previously not been recognised on the balance sheet of Aegon NL as these have been internally generated. Through the acquisition accounting under IFRS, these previously unrecognised intangible assets are recognised in the acquisition balance sheet. The gain arose as a result of Aegon Ltd. making a strategic decision to sell Aegon NL, as this fits in the Aegon Ltd\u2019s strategy to accelerate its ambition to create leading businesses outside the Netherlands. The gain as a result of the purchase is tax-exempt, attributed to the acquirer a.s.r. and not allocated to the Non-life, Life or other segments. </p>\n<h3 class=\"table-title\">Cash and cash equivalents related to the acquisition </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:auto;\"/><col style=\"width:13%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">Acquisition date </th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Cash consideration paid </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-2,260 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-right-1\" style=\"text-align:left;vertical-align:bottom;\">Acquired cash and cash equivalents </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">4,528 </td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-right-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Increase in cash and cash equivalents at acquisition date </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>2,268 </b></td></tr></tbody></table> <br/>\n<p>The consolidated statement of comprehensive income of a.s.r. for the first year includes \u20ac\u00a03,298 million revenue and - \u20ac\u00a073 million result after tax relating to Aegon NL for the period commencing 4 July 2023. The revenue and profit of the combined entity for the current period, as though the acquisition date for the business combination of Aegon NL had been as of the beginning of 2023, would have been \u20ac\u00a05.992 million revenue and \u20ac\u00a0164 million profit after tax. The acquisition-related costs recognised as expense amount to \u20ac\u00a015 million including VAT (of which \u20ac\u00a011 million incurred in 2023) and are included in the line-item other expenses in the income statement. </p>\n<div class=\"header header-2\">Other acquisitions </div>\n<p>a.s.r. acquired an entity in segment Non-life and three entities in segment Distribution and Services. </p>\n<div class=\"header header-1\">Acquisitions 2022 </div>\n<div class=\"header header-2\">Wind farms Jaap Rodenburg, Nieuwe Hemweg and Strekdammen and solar park Pesse </div>\n<p>In 2022, ASR Infrastructure Renewables B.V. completed the acquisitions of the assets and liabilities of wind farms Jaap Rodenburg, Nieuwe Hemweg, Strekdammen and solar park Pesse. </p>\n<div class=\"header header-2\">Other acquisitions </div>\n<p>ASR Real Estate B.V. acquired the assets and liabilities of a consultancy company as of 1 May 2022. a.s.r. established the final acquisition balance sheet in the first half year of 2023. VKG acquired a distribution and services company as of 1 July 2022 and a.s.r. established the final acquisition balance sheet in the second half year of 2023. </p>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfBusinessCombinationsExplanatory",
    "language": "en",
    "entity": "scheme:7245000G0HS48PZWUD53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "ixv-637": {
   "value": "\n<h1 class=\"S_PARAGRAPH\" id=\"n1289264\"><span class=\"number\">7.5.1 </span><span class=\"title-text\">Intangible assets </span></h1>\n<p>See accounting <a href=\"#n1286329\" title=\"C. Intangible assets\">policy C</a>. </p>\n<h3 class=\"table-title\">Intangible assets </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:0%;\"/><col style=\"width:20%;\"/><col style=\"width:20%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>31 December 2023 </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>31 December 2022 </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Goodwill </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">234 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">234 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Other intangible assets </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">415 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">89 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total intangible assets </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>649 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>322 </b></td></tr></tbody></table> <br/>\n<h3 class=\"table-title\">Intangible assets </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:35.7%;\"/><col style=\"width:14.9%;\"/><col style=\"width:17%;\"/><col style=\"width:16%;\"/><col style=\"width:16.4%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">Goodwill </th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">Other intangible assets </th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">Total 2023 </th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">Total 2022 </th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Cost price </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">247 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">491 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">738 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">376 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Accumulated amortisation and impairments </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-13 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-76 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-89 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-54 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>At 31 December </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>234 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>415 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>649 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>322 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">At 1 January </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">234 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">89 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">322 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">310 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Acquisition </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">5 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">5 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">11 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Amortisation and impairments </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-13 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-30 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-43 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-11 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Transfer </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-2 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Changes in the composition of the group </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">14 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">350 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">364 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">15 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>At 31 December </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>234 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>415 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>649 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>322 </b></td></tr></tbody></table> <br/>\n<p>Changes in the composition of the group relates to the intangible assets acquired through the acquisition of Aegon NL, see chapter <a href=\"#n1287134\" title=\"Acquisitions\">7.4.5.</a> Intangible assets acquired relates mainly to customer relationships, trade names and software. </p>\n<div class=\"header header-1\">Goodwill </div>\n<p>For the purpose of impairment testing, goodwill is allocated to the CGU's of the relevant operating segment. </p>\n<h3 class=\"table-title\">Goodwill allocation per segment </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:0%;\"/><col style=\"width:20%;\"/><col style=\"width:20%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>31 December 2023 </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>31 December 2022 </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Non-life </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">16 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">13 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Life </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">43 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">43 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Asset Management </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">35 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">35 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Distribution and Services </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">140 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">142 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total goodwill </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>234 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>234 </b></td></tr></tbody></table> <br/>\n<p>Goodwill has an indefinite useful life and is not amortised. a.s.r. performs an impairment test annually, or more frequently if events or circumstances warrant so, to ascertain whether goodwill has been subject to impairment. </p>\n<p>For the CGU's within the Non-life, Life and Asset Management segments, the results of these tests, using updated multiples and discount rates, show excess recoverable values over the book values and no goodwill impairment is recognised. A deterioration within reasonable limits on one of the assumptions in isolation would not lead to an impairment. The buffer is also capable of absorbing a combination of negative factors. However, should circumstances on multiple factors deteriorate significantly, it could lead to a negative outcome for the buffer (the difference between the recoverable value and the book value). </p>\n<div class=\"header header-1\">Segment Distribution and Services </div>\n<p>The goodwill impairment test was conducted at the CGU\u2019s within the Distribution and Services segment. The outcomes of the goodwill tests on step 1 showed that the differences between the recoverable amounts and the carrying values is sufficient to support the amounts of goodwill allocated to the CGU\u2019s for nearly all CGU's. These CGU\u2019s still have a sufficient positive headroom and management believes that any reasonable possible change in the key assumptions on which all CGU\u2019s recoverable amounts are based would not cause the carrying amounts to exceed their recoverable amounts. </p>\n<p>In light of last year's impairment, for one CGU an in depth analysis was performed in order to determine a recoverable amount in a manner that better addresses the specific characteristics of this CGU. The CGU\u2019s operating activities concern those of a distribution partner and service provider. In step 2, future cash flows are based on expected market developments and past experience and on the long-term characteristics of the markets in which the CGU operates. </p>\n<p>The resulting value in use is not sufficient to support the amount of goodwill allocated to that CGU. The increased competitiveness in the market and lower organic growth results in a lower recoverable value. The consequence for this CGU is an impairment loss on the goodwill charged to the income statement amounting to <span style=\"white-space:nowrap;\">\u20ac\u00a013 million</span>. </p>\n<div class=\"header header-1\">Other intangible assets </div>\n<p>The other intangible assets mainly relate to Aegon NL, Distribution and Services, a.s.r. IORP and Loyalis. The other intangible assets mainly relate to customer relationships, trade names and software. The other intangible assets are amortised straight-line over their useful life, which is determined individually (between 5 and 20 years). The amortisation charges on other intangible assets are recorded in the operating and other expenses (see chapter <a href=\"#n1285858\" title=\"Operating and other expenses\">7.6.11</a>). </p>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfGoodwillExplanatory",
    "language": "en",
    "entity": "scheme:7245000G0HS48PZWUD53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "ixv-638": {
   "value": "\n<h1 class=\"S_PARAGRAPH\" id=\"n1289264\"><span class=\"number\">7.5.1 </span><span class=\"title-text\">Intangible assets </span></h1>\n<p>See accounting <a href=\"#n1286329\" title=\"C. Intangible assets\">policy C</a>. </p>\n<h3 class=\"table-title\">Intangible assets </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:0%;\"/><col style=\"width:20%;\"/><col style=\"width:20%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>31 December 2023 </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>31 December 2022 </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Goodwill </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">234 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">234 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Other intangible assets </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">415 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">89 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total intangible assets </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>649 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>322 </b></td></tr></tbody></table> <br/>\n<h3 class=\"table-title\">Intangible assets </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:35.7%;\"/><col style=\"width:14.9%;\"/><col style=\"width:17%;\"/><col style=\"width:16%;\"/><col style=\"width:16.4%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">Goodwill </th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">Other intangible assets </th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">Total 2023 </th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">Total 2022 </th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Cost price </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">247 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">491 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">738 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">376 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Accumulated amortisation and impairments </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-13 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-76 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-89 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-54 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>At 31 December </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>234 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>415 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>649 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>322 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">At 1 January </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">234 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">89 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">322 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">310 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Acquisition </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">5 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">5 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">11 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Amortisation and impairments </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-13 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-30 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-43 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-11 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Transfer </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-2 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Changes in the composition of the group </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">14 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">350 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">364 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">15 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>At 31 December </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>234 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>415 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>649 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>322 </b></td></tr></tbody></table> <br/>\n<p>Changes in the composition of the group relates to the intangible assets acquired through the acquisition of Aegon NL, see chapter <a href=\"#n1287134\" title=\"Acquisitions\">7.4.5.</a> Intangible assets acquired relates mainly to customer relationships, trade names and software. </p>\n<div class=\"header header-1\">Goodwill </div>\n<p>For the purpose of impairment testing, goodwill is allocated to the CGU's of the relevant operating segment. </p>\n<h3 class=\"table-title\">Goodwill allocation per segment </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:0%;\"/><col style=\"width:20%;\"/><col style=\"width:20%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>31 December 2023 </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>31 December 2022 </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Non-life </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">16 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">13 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Life </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">43 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">43 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Asset Management </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">35 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">35 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Distribution and Services </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">140 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">142 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total goodwill </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>234 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>234 </b></td></tr></tbody></table> <br/>\n<p>Goodwill has an indefinite useful life and is not amortised. a.s.r. performs an impairment test annually, or more frequently if events or circumstances warrant so, to ascertain whether goodwill has been subject to impairment. </p>\n<p>For the CGU's within the Non-life, Life and Asset Management segments, the results of these tests, using updated multiples and discount rates, show excess recoverable values over the book values and no goodwill impairment is recognised. A deterioration within reasonable limits on one of the assumptions in isolation would not lead to an impairment. The buffer is also capable of absorbing a combination of negative factors. However, should circumstances on multiple factors deteriorate significantly, it could lead to a negative outcome for the buffer (the difference between the recoverable value and the book value). </p>\n<div class=\"header header-1\">Segment Distribution and Services </div>\n<p>The goodwill impairment test was conducted at the CGU\u2019s within the Distribution and Services segment. The outcomes of the goodwill tests on step 1 showed that the differences between the recoverable amounts and the carrying values is sufficient to support the amounts of goodwill allocated to the CGU\u2019s for nearly all CGU's. These CGU\u2019s still have a sufficient positive headroom and management believes that any reasonable possible change in the key assumptions on which all CGU\u2019s recoverable amounts are based would not cause the carrying amounts to exceed their recoverable amounts. </p>\n<p>In light of last year's impairment, for one CGU an in depth analysis was performed in order to determine a recoverable amount in a manner that better addresses the specific characteristics of this CGU. The CGU\u2019s operating activities concern those of a distribution partner and service provider. In step 2, future cash flows are based on expected market developments and past experience and on the long-term characteristics of the markets in which the CGU operates. </p>\n<p>The resulting value in use is not sufficient to support the amount of goodwill allocated to that CGU. The increased competitiveness in the market and lower organic growth results in a lower recoverable value. The consequence for this CGU is an impairment loss on the goodwill charged to the income statement amounting to <span style=\"white-space:nowrap;\">\u20ac\u00a013 million</span>. </p>\n<div class=\"header header-1\">Other intangible assets </div>\n<p>The other intangible assets mainly relate to Aegon NL, Distribution and Services, a.s.r. IORP and Loyalis. The other intangible assets mainly relate to customer relationships, trade names and software. The other intangible assets are amortised straight-line over their useful life, which is determined individually (between 5 and 20 years). The amortisation charges on other intangible assets are recorded in the operating and other expenses (see chapter <a href=\"#n1285858\" title=\"Operating and other expenses\">7.6.11</a>). </p>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfIntangibleAssetsExplanatory",
    "language": "en",
    "entity": "scheme:7245000G0HS48PZWUD53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "ixv-639": {
   "value": "\n<h1 class=\"S_PARAGRAPH\" id=\"n1289264\"><span class=\"number\">7.5.1 </span><span class=\"title-text\">Intangible assets </span></h1>\n<p>See accounting <a href=\"#n1286329\" title=\"C. Intangible assets\">policy C</a>. </p>\n<h3 class=\"table-title\">Intangible assets </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:0%;\"/><col style=\"width:20%;\"/><col style=\"width:20%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>31 December 2023 </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>31 December 2022 </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Goodwill </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">234 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">234 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Other intangible assets </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">415 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">89 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total intangible assets </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>649 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>322 </b></td></tr></tbody></table> <br/>\n<h3 class=\"table-title\">Intangible assets </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:35.7%;\"/><col style=\"width:14.9%;\"/><col style=\"width:17%;\"/><col style=\"width:16%;\"/><col style=\"width:16.4%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">Goodwill </th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">Other intangible assets </th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">Total 2023 </th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">Total 2022 </th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Cost price </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">247 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">491 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">738 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">376 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Accumulated amortisation and impairments </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-13 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-76 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-89 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-54 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>At 31 December </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>234 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>415 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>649 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>322 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">At 1 January </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">234 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">89 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">322 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">310 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Acquisition </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">5 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">5 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">11 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Amortisation and impairments </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-13 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-30 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-43 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-11 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Transfer </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-2 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Changes in the composition of the group </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">14 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">350 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">364 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">15 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>At 31 December </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>234 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>415 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>649 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>322 </b></td></tr></tbody></table> <br/>\n<p>Changes in the composition of the group relates to the intangible assets acquired through the acquisition of Aegon NL, see chapter <a href=\"#n1287134\" title=\"Acquisitions\">7.4.5.</a> Intangible assets acquired relates mainly to customer relationships, trade names and software. </p>\n<div class=\"header header-1\">Goodwill </div>\n<p>For the purpose of impairment testing, goodwill is allocated to the CGU's of the relevant operating segment. </p>\n<h3 class=\"table-title\">Goodwill allocation per segment </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:0%;\"/><col style=\"width:20%;\"/><col style=\"width:20%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>31 December 2023 </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>31 December 2022 </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Non-life </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">16 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">13 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Life </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">43 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">43 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Asset Management </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">35 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">35 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Distribution and Services </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">140 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">142 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total goodwill </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>234 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>234 </b></td></tr></tbody></table> <br/>\n<p>Goodwill has an indefinite useful life and is not amortised. a.s.r. performs an impairment test annually, or more frequently if events or circumstances warrant so, to ascertain whether goodwill has been subject to impairment. </p>\n<p>For the CGU's within the Non-life, Life and Asset Management segments, the results of these tests, using updated multiples and discount rates, show excess recoverable values over the book values and no goodwill impairment is recognised. A deterioration within reasonable limits on one of the assumptions in isolation would not lead to an impairment. The buffer is also capable of absorbing a combination of negative factors. However, should circumstances on multiple factors deteriorate significantly, it could lead to a negative outcome for the buffer (the difference between the recoverable value and the book value). </p>\n<div class=\"header header-1\">Segment Distribution and Services </div>\n<p>The goodwill impairment test was conducted at the CGU\u2019s within the Distribution and Services segment. The outcomes of the goodwill tests on step 1 showed that the differences between the recoverable amounts and the carrying values is sufficient to support the amounts of goodwill allocated to the CGU\u2019s for nearly all CGU's. These CGU\u2019s still have a sufficient positive headroom and management believes that any reasonable possible change in the key assumptions on which all CGU\u2019s recoverable amounts are based would not cause the carrying amounts to exceed their recoverable amounts. </p>\n<p>In light of last year's impairment, for one CGU an in depth analysis was performed in order to determine a recoverable amount in a manner that better addresses the specific characteristics of this CGU. The CGU\u2019s operating activities concern those of a distribution partner and service provider. In step 2, future cash flows are based on expected market developments and past experience and on the long-term characteristics of the markets in which the CGU operates. </p>\n<p>The resulting value in use is not sufficient to support the amount of goodwill allocated to that CGU. The increased competitiveness in the market and lower organic growth results in a lower recoverable value. The consequence for this CGU is an impairment loss on the goodwill charged to the income statement amounting to <span style=\"white-space:nowrap;\">\u20ac\u00a013 million</span>. </p>\n<div class=\"header header-1\">Other intangible assets </div>\n<p>The other intangible assets mainly relate to Aegon NL, Distribution and Services, a.s.r. IORP and Loyalis. The other intangible assets mainly relate to customer relationships, trade names and software. The other intangible assets are amortised straight-line over their useful life, which is determined individually (between 5 and 20 years). The amortisation charges on other intangible assets are recorded in the operating and other expenses (see chapter <a href=\"#n1285858\" title=\"Operating and other expenses\">7.6.11</a>). </p>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfIntangibleAssetsAndGoodwillExplanatory",
    "language": "en",
    "entity": "scheme:7245000G0HS48PZWUD53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "ixv-640": {
   "value": "\n<h1 class=\"S_PARAGRAPH\" id=\"n1289289\"><span class=\"number\">7.5.2 </span><span class=\"title-text\">Property, plant and equipment </span></h1>\n<p>See accounting policies <a href=\"#n1286642\" title=\"O. Property, plant and equipment\">O</a> and <a href=\"#n1286782\" title=\"U. Leasing\">U</a>. </p>\n<h3 class=\"table-title\">Property, plant and equipment </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:0%;\"/><col style=\"width:14%;\"/><col style=\"width:14%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">31 December 2023 </th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">31 December 2022 </th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Land and buildings for own use </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">168 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">115 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Plant </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">417 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">480 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Equipment </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">63 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">24 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Property, plant and equipment owned </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>648 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>618 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Land and buildings </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">77 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">53 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Vehicles </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">7 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">8 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Right-of-use assets </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>84 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>61 </b></td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total property, plant and equipment </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>732 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>679 </b></td></tr></tbody></table> <br/>\n<h3 class=\"table-title\">Changes in property, plant and equipment </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:0%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:14%;\"/><col style=\"width:14%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">Land and buildings for own use </th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">Plant </th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">Equipment </th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">Right-of-use Assets </th><th class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">Total 2023 </th><th class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">Total 2022 </th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">At 1 January </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">115 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">480 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">24 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">61 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">679 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">556 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Additions </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">23 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">6 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">29 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">179 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Transfers to Investment property </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-18 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Depreciations </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-5 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-22 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-11 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-12 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-50 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-37 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Revaluations through profit of loss </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-26 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-26 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-5 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Revaluations through equity </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">20 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-15 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">5 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">13 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Other </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">3 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">3 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-9 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Changes in the composition of the group </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">37 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">27 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">27 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">91 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>At 31 December </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>168 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>417 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>63 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>84 </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>732 </b></td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>679 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Gross carrying amount as at 31 December </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">285 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">457 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">189 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">129 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1,061 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1\" style=\"text-align:right;vertical-align:bottom;\">859 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Accumulated depreciation as at 31 December </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-118 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-40 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-126 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-45 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-329 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-180 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Net carrying value as at 31 December </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>168 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>417 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>63 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>84 </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>732 </b></td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>679 </b></td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-left-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Revaluation surplus </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">At 1 January </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">30 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">21 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">50 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">38 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Revaluation in the year </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">20 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-15 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">5 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">13 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Other </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-1 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-1 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Changes in the composition of the group </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-1 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-1 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>At 31 December </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>48 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>6 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>54 </b></td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>50 </b></td></tr></tbody></table> <br/>\n<p>Changes in the composition of the group relates to the property acquired through the acquisition of Aegon NL, see <a href=\"#n1287134\" title=\"Acquisitions\">chapter 7.4.5</a>. </p>\n<p>Depreciation of property, plant and equipment is recorded in the operating and other expenses, see chapter <a href=\"#n1285858\" title=\"Operating and other expenses\">7.6.11</a>. </p>\n<p>The fair value of land and buildings for own use is based on the external valuations and the significant inputs for the fair value of plant are disclosed in <a href=\"#n1285306\" title=\"Property (including land and buildings for own use and plant)\">7.7.1.3</a>. </p>\n<p>Property, plant and equipment consists mainly of assets expected to have a useful life of more than one year after the balance sheet date. </p>\n<h1 class=\"S_PARAGRAPH\" id=\"n1289168\"><span class=\"number\">7.5.17 </span><span class=\"title-text\">Borrowings </span></h1>\n<p>See accounting policies <a href=\"#n1286760\" title=\"T. Financing\">T</a> and <a href=\"#n1286782\" title=\"U. Leasing\">U</a>. </p>\n<h3 class=\"table-title\">Borrowings </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:0%;\"/><col style=\"width:16%;\"/><col style=\"width:16%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">31 December 2023 </th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">31 December 2022 </th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Loans </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">6,295 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">126 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Lease liabilities </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">88 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">62 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total borrowings </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>6,384 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>188 </b></td></tr></tbody></table> <br/>\n<p>As at year-end, borrowings had the following terms to maturity: </p>\n<h3 class=\"table-title\">Maturity of borrowings </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:0%;\"/><col style=\"width:16%;\"/><col style=\"width:16%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">31 December 2023 </th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">31 December 2022 </th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Maturity - Falling due within 1 year </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1,233 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">20 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Maturity - Falling due between 1 and 5 years </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">3,204 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">54 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Maturity - Falling due after 5 years </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1,948 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">115 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Maturity borrowings </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>6,384 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>188 </b></td></tr></tbody></table> <br/>\n<p>Borrowings increased mainly due to the acquisition of Aegon NL, of which \u20ac\u00a0933 million are due to banks. At year-end 2023, the fair value of borrowings was \u20ac\u00a06,453 million (2022: \u20ac\u00a0185 million). For information regarding the fair value, see chapter <a href=\"#n1285283\" title=\"Financial assets and liabilities not measured at fair value\">7.7.1.2</a>. The average interest rate payable on loans was 6.01% (2022: 1.40%). The average incremental borrowing rate on the lease liabilities was 1.29% (2022 : 1.48%). </p>\n<p>On 13 July 2023, a.s.r. issued \u20ac\u00a0500 million in Residential Mortgage-Backed Security (RMBS) notes through a newly established securitisation programme called Delphinus 2023-I. The underlying pool consists of residential mortgage loans that are sold by a.s.r. life to Delphinus 2023-I B.V. The Class A notes that are issued under the programme, are rated AAA (sf)/AAA (sf) by Fitch and S&amp;P. They exhibit a weighted average life of 4.9 years and a First Optional Redemption Date (FORD) in September 2029. </p>\n<p>On 6 December 2023, Aegon life restructured \u2018Saecure 17\u2019, by expanding Saecure 17 with new mortgage loans and extending the First Optional Redemption Date (FORD) with no impact on equity and result. The nominal amount of \u20ac\u00a02,055 million of class A notes was increased to \u20ac\u00a04,350 million. The FORD is extended from the Notes Payment Date falling in October 2025 to the Notes Payment Date falling in January 2030, resulting in an expected weighted average lifetime (WAL) at restructuring of approximately 5 years. The fixed coupon of the class A notes remains unchanged at 0.50% till FORD. As all notes have been retained by Aegon life, the notes acquired by Aegon life are not recognised on the balance sheet, as there was no derecognition of the related mortgage loans. </p>\n<p>These notes can be used as collateral for the repurchase facilities (repo\u2019s) and/or reinsurance transactions that Aegon Levensverzekering has entered into with third parties, or alternatively sold to third party investors. At year-end 2023, \u20ac\u00a0375 million has been posted as collateral with respect to the longevity reinsurance contract with Canada Life Reinsurance and \u20ac\u00a0200 million has been posted as collateral with respect to the longevity reinsurance contract with RGA. </p>\n<p>The following structured entities are group companies and have been consolidated: </p><ul><li>\n<p>SAECURE 16 B.V.; </p></li><li>\n<p>SAECURE 17 B.V.; </p></li><li>\n<p>SAECURE 18 NHG B.V.; </p></li><li>\n<p>SAECURE 19 B.V.; </p></li><li>\n<p>SAECURE 20 B.V.; </p></li><li>\n<p>Aegon Hypotheken Financiering B.V.; </p></li><li>\n<p>Aegon Hypotheken Prefunding B.V.; </p></li><li>\n<p>Kigoi 2013 B.V.; </p></li><li>\n<p>Aegon Conditional Pass Through Covered Bond Company B.V.; </p></li><li>\n<p>Soft bullet program Knab; </p></li><li>\n<p>Delphinus 2023-I B.V. </p></li></ul>\n<p>The structured entities relate to the securitisation of mortgage loans or consumer credit loans. The contractual agreements with these entities do not include provisions in which a.s.r. could be required to provide financial support in certain circumstances. a.s.r. has not provided, nor has intentions to provide, financial or other support without having a contractual obligation to do so. </p>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n1285515\"><span class=\"number\">7.7.6.4 </span><span class=\"title-text\">Expected future lease payments </span></h1>\n<p>The following table sets out the expected future lease payments for investment property and plants, showing the undiscounted lease payments to be received after the reporting date. </p>\n<h3 class=\"table-title\">Expected minimum future lease payments on non-cancellable investment property lease and plants </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:0%;\"/><col style=\"width:15%;\"/><col style=\"width:15%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">31 December 2023 </th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">31 December 2022 </th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">To be received within 1 year </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">37 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">33 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-right-1\" style=\"text-align:left;vertical-align:bottom;\">To be received between 1 and 2 years </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">30 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">29 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-right-1\" style=\"text-align:left;vertical-align:bottom;\">To be received between 2 and 3 years </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">25 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">25 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-right-1\" style=\"text-align:left;vertical-align:bottom;\">To be received between 3 and 4 years </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">20 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">21 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-right-1\" style=\"text-align:left;vertical-align:bottom;\">To be received between 4 and 5 years </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">15 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">17 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-right-1\" style=\"text-align:left;vertical-align:bottom;\">To be received after 5 years </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">97 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">89 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-right-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total undiscounted lease payments </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>224 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>214 </b></td></tr></tbody></table> <br/>\n<p>The investments properties, in retail, residential, offices and rural markets are leased to third parties, consisting of various lease terms in a range between shorter than one year and undetermined period with competitive rents mostly indexed to consumer prices. The plants are leased to third parties with lease terms longer than ten years. </p>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfLeasesExplanatory",
    "language": "en",
    "entity": "scheme:7245000G0HS48PZWUD53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "ixv-641": {
   "value": "\n<h1 class=\"S_PARAGRAPH\" id=\"n1289289\"><span class=\"number\">7.5.2 </span><span class=\"title-text\">Property, plant and equipment </span></h1>\n<p>See accounting policies <a href=\"#n1286642\" title=\"O. Property, plant and equipment\">O</a> and <a href=\"#n1286782\" title=\"U. Leasing\">U</a>. </p>\n<h3 class=\"table-title\">Property, plant and equipment </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:0%;\"/><col style=\"width:14%;\"/><col style=\"width:14%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">31 December 2023 </th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">31 December 2022 </th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Land and buildings for own use </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">168 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">115 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Plant </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">417 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">480 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Equipment </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">63 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">24 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Property, plant and equipment owned </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>648 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>618 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Land and buildings </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">77 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">53 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Vehicles </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">7 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">8 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Right-of-use assets </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>84 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>61 </b></td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total property, plant and equipment </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>732 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>679 </b></td></tr></tbody></table> <br/>\n<h3 class=\"table-title\">Changes in property, plant and equipment </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:0%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:14%;\"/><col style=\"width:14%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">Land and buildings for own use </th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">Plant </th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">Equipment </th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">Right-of-use Assets </th><th class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">Total 2023 </th><th class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">Total 2022 </th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">At 1 January </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">115 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">480 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">24 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">61 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">679 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">556 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Additions </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">23 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">6 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">29 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">179 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Transfers to Investment property </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-18 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Depreciations </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-5 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-22 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-11 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-12 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-50 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-37 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Revaluations through profit of loss </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-26 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-26 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-5 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Revaluations through equity </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">20 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-15 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">5 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">13 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Other </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">3 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">3 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-9 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Changes in the composition of the group </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">37 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">27 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">27 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">91 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>At 31 December </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>168 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>417 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>63 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>84 </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>732 </b></td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>679 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Gross carrying amount as at 31 December </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">285 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">457 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">189 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">129 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1,061 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1\" style=\"text-align:right;vertical-align:bottom;\">859 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Accumulated depreciation as at 31 December </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-118 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-40 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-126 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-45 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-329 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-180 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Net carrying value as at 31 December </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>168 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>417 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>63 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>84 </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>732 </b></td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>679 </b></td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-left-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Revaluation surplus </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">At 1 January </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">30 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">21 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">50 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">38 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Revaluation in the year </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">20 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-15 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">5 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">13 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Other </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-1 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-1 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Changes in the composition of the group </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-1 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-1 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>At 31 December </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>48 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>6 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>54 </b></td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>50 </b></td></tr></tbody></table> <br/>\n<p>Changes in the composition of the group relates to the property acquired through the acquisition of Aegon NL, see <a href=\"#n1287134\" title=\"Acquisitions\">chapter 7.4.5</a>. </p>\n<p>Depreciation of property, plant and equipment is recorded in the operating and other expenses, see chapter <a href=\"#n1285858\" title=\"Operating and other expenses\">7.6.11</a>. </p>\n<p>The fair value of land and buildings for own use is based on the external valuations and the significant inputs for the fair value of plant are disclosed in <a href=\"#n1285306\" title=\"Property (including land and buildings for own use and plant)\">7.7.1.3</a>. </p>\n<p>Property, plant and equipment consists mainly of assets expected to have a useful life of more than one year after the balance sheet date. </p>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfPropertyPlantAndEquipmentExplanatory",
    "language": "en",
    "entity": "scheme:7245000G0HS48PZWUD53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "ixv-642": {
   "value": "\n<h1 class=\"S_PARAGRAPH\" id=\"n1289316\"><span class=\"number\">7.5.3 </span><span class=\"title-text\">Investment property </span></h1>\n<p>See accounting policy <a href=\"#n1286351\" title=\"D. Investment property\">D</a>. </p>\n<h3 class=\"table-title\">Changes in investment property </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:0%;\"/><col style=\"width:14%;\"/><col style=\"width:14%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>2023 </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>2022 </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">At 1 January </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">664 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2,052 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Changes in value of investments, realised/unrealised gains and losses: </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">- Fair value gains and losses </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-65 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">122 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Purchases </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">79 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">59 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Issues </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">3 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Disposals </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-36 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-159 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Transferred from property and equipment </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">18 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Transfer of real estate equity funds to investments </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-1,431 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Changes in the composition of the group </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,409 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>At 31 December </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>3,051 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>664 </b></td></tr></tbody></table> <br/>\n<p>Changes in the composition of the group relates to the investment property acquired through the acquisition of Aegon NL, see <a href=\"#n1287134\" title=\"Acquisitions\">chapter 7.4.5</a>. Purchases in 2023 mainly relates to residential (\u20ac\u00a059 million) and offices (\u20ac\u00a017 million). Disposals relates to residential (\u20ac\u00a0-36 million). </p>\n<p>Investment property is leased to third parties and is diversified over the rural, residential, offices and retail sectors and over property under development in the Netherlands. The significant inputs are the net initial yield and market rental value. For more information see chapter <a href=\"#n1285236\" title=\"Fair value of assets and liabilities\">7.7.1</a>. </p>\n<p>Rental income is recognised as direct investment income. In 2023, rentals amounted to \u20ac\u00a091 million (2022: \u20ac\u00a058 million). The rental income has increased due to the acquisition of Aegon NL. </p>\n<p>Direct operating expenses arising from investment property amounted to \u20ac\u00a029 million (2022: \u20ac\u00a09 million). Given the overall low vacancy rate, virtually all direct operating expenses relate to investment properties generating rental income. Direct operating expenses of investment property are classified as operating and other expenses within the investment operating expenses.  <br/></p>\n<p>Investment property consists mainly of assets expected to be recovered after more than one year after the balance sheet date. </p>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfInvestmentPropertyExplanatory",
    "language": "en",
    "entity": "scheme:7245000G0HS48PZWUD53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "ixv-643": {
   "value": "\n<h1 class=\"S_PARAGRAPH\" id=\"n1289316\"><span class=\"number\">7.5.3 </span><span class=\"title-text\">Investment property </span></h1>\n<p>See accounting policy <a href=\"#n1286351\" title=\"D. Investment property\">D</a>. </p>\n<h3 class=\"table-title\">Changes in investment property </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:0%;\"/><col style=\"width:14%;\"/><col style=\"width:14%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>2023 </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>2022 </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">At 1 January </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">664 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2,052 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Changes in value of investments, realised/unrealised gains and losses: </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">- Fair value gains and losses </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-65 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">122 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Purchases </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">79 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">59 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Issues </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">3 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Disposals </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-36 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-159 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Transferred from property and equipment </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">18 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Transfer of real estate equity funds to investments </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-1,431 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Changes in the composition of the group </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,409 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>At 31 December </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>3,051 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>664 </b></td></tr></tbody></table> <br/>\n<p>Changes in the composition of the group relates to the investment property acquired through the acquisition of Aegon NL, see <a href=\"#n1287134\" title=\"Acquisitions\">chapter 7.4.5</a>. Purchases in 2023 mainly relates to residential (\u20ac\u00a059 million) and offices (\u20ac\u00a017 million). Disposals relates to residential (\u20ac\u00a0-36 million). </p>\n<p>Investment property is leased to third parties and is diversified over the rural, residential, offices and retail sectors and over property under development in the Netherlands. The significant inputs are the net initial yield and market rental value. For more information see chapter <a href=\"#n1285236\" title=\"Fair value of assets and liabilities\">7.7.1</a>. </p>\n<p>Rental income is recognised as direct investment income. In 2023, rentals amounted to \u20ac\u00a091 million (2022: \u20ac\u00a058 million). The rental income has increased due to the acquisition of Aegon NL. </p>\n<p>Direct operating expenses arising from investment property amounted to \u20ac\u00a029 million (2022: \u20ac\u00a09 million). Given the overall low vacancy rate, virtually all direct operating expenses relate to investment properties generating rental income. Direct operating expenses of investment property are classified as operating and other expenses within the investment operating expenses.  <br/></p>\n<p>Investment property consists mainly of assets expected to be recovered after more than one year after the balance sheet date. </p>\n<div class=\"tanPageBreak start-node\"> </div>\n<h1 class=\"S_PARAGRAPH\" id=\"n1289368\"><span class=\"number\">7.5.5 </span><span class=\"title-text\">Investments </span></h1>\n<p>See accounting policy <a href=\"#n1286373\" title=\"E. Financial assets and financial liabilities\">E</a>. </p>\n<h3 class=\"table-title\">Investments </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:0%;\"/><col style=\"width:16%;\"/><col style=\"width:16%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-left border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;\"><b>31 December 2023 </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>31 December 2022 </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">At FVTPL </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">74,380 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">39,031 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">At FVOCI </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">3,312 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2,046 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">At amortised cost </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">14,775 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total investments </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>92,466 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>41,077 </b></td></tr></tbody></table> <br/>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n1289414\"><span class=\"number\">7.5.5.1 </span><span class=\"title-text\">Investments at FVTPL </span></h1>\n<h3 class=\"table-title\">Investments at FVTPL </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:0%;\"/><col style=\"width:16%;\"/><col style=\"width:16%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>31 December 2023 </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>31 December 2022 </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Financial investments - transferred under repurchase agreements </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Government bonds </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">213 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">437 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Financial investments - own risk </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Real estate equity funds </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">5,380 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">4,092 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Mortgage equity funds </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">997 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,008 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Debt equity funds </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">772 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Government bonds </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">15,854 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">8,872 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Corporate bonds </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">9,948 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">7,272 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Asset-backed securities </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">3,013 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">413 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Other investment funds </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,153 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,605 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Equities </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">247 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">67 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Mortgage loans </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">24,494 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">9,074 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Private loans </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">11,309 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">6,191 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total investments at FVTPL </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>74,380 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>39,031 </b></td></tr></tbody></table> <br/>\n<p>Investments at FVTPL mainly increased due to the assets acquired through the acquisition of Aegon NL (see <a href=\"#n1287134\" title=\"Acquisitions\">chapter 7.4.5</a>). Government bonds were sold to finance the acquisition of Aegon NL. Private loans increased mainly due to new reverse repurchase agreements. </p>\n<p>Private loans consists for \u20ac\u00a02,285 million (2022: \u20ac\u00a02,293 million) of savings-linked mortgage loans. The claim related to cash collateral paid on derivative instruments, included in private loans, amounts to \u20ac\u00a01,091 million (2022: \u20ac\u00a01,633 million). </p>\n<p>a.s.r. has bonds amounting to \u20ac\u00a03,483 million (2022: \u20ac\u00a03,237 million), shares amounting to \u20ac\u00a024 million (2022: nil) and cash amounting to \u20ac\u00a0750 million (2022: \u20ac\u00a0600 million) (see <a href=\"#n1289562\" title=\"Cash and cash equivalents\">chapter 7.5.10</a>) that have been transferred, but do not qualify for derecognition. The majority of these investments are part of a securities lending programme whereby the investments are lent in exchange for a fee with collateral obtained as a security. The collateral furnished as security representing a fair value of \u20ac\u00a05,067 million (2022: \u20ac\u00a04,914 million) consists of mortgage loans and corporate and government bonds. See accounting policy <a href=\"#n1286598\" title=\"M. Securities lending\">M</a> about securities lending. </p>\n<p>For the real estate equity funds and mortgage equity funds for which a.s.r. has significant influence the exemption of IAS 28 was used, thereby measuring the investments at FVTPL and presenting them as a separate category within the investments at FVTPL. For a breakdown of the real estate equity funds and mortgage equity fund, see <a href=\"#n1289341\" title=\"Associates and joint ventures\">chapter 7.5.4</a>. </p>\n<p>At year-end 2023 and 2022, debt instruments at FVTPL consisted entirely of investments mandatorily measured as such. </p>\n<p>Based on their contractual maturity, an amount of \u20ac\u00a057,936 million (2022: \u20ac\u00a026,993 million) of fixed income investments is expected to be recovered after more than one year after the balance sheet date. For assets without a contractual maturity date, it is expected that they will be recovered after more than one year after the balance sheet date. </p>\n<p>For more detailed information about the fair value valuation of the investments, see <a href=\"#n1285236\" title=\"Fair value of assets and liabilities\">chapter 7.7.1. </a></p>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n1289391\"><span class=\"number\">7.5.5.2 </span><span class=\"title-text\">Investments at FVOCI </span></h1>\n<h3 class=\"table-title\">Investments at FVOCI </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:0%;\"/><col style=\"width:16%;\"/><col style=\"width:16%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>31 December 2023 </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>31 December 2022 </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Government bonds </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">359 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Corporate bonds </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">521 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Equities </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,348 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,743 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Preference shares </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">79 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">297 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Other participating contracts </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">5 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">6 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total investments at FVOCI </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>3,312 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>2,046 </b></td></tr></tbody></table> <br/>\n<p>Investments at FVOCI mainly increased due to the assets acquired through the acquisition of Aegon NL (see <a href=\"#n1287134\" title=\"Acquisitions\">chapter 7.4.5</a>). </p>\n<p>a.s.r. sold equity instruments held at FVOCI for an amount of \u20ac\u00a0953 million (2022: \u20ac\u00a0772 million ) in the ordinary course of business. The sales resulted in a gain of \u20ac\u00a085 million (2022: gain \u20ac\u00a0140 million). </p>\n<p>Based on their contractual maturity, an amount of \u20ac\u00a0522 million (2022: nil) of debt instruments is expected to be recovered after more than one year after the balance sheet date. For assets without a contractual maturity date, it is expected that they will be recovered after more than one year after the balance sheet date. </p>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n1289441\"><span class=\"number\">7.5.5.3 </span><span class=\"title-text\">Investments at amortised cost </span></h1>\n<h3 class=\"table-title\">Investments at amortised cost </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:0%;\"/><col style=\"width:16%;\"/><col style=\"width:16%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>31 December 2023 </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>31 December 2022 </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Mortgage loans </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">14,590 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Private loans </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">185 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total investments at amortised cost </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>14,775 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td></tr></tbody></table> <br/>\n<p>Investments at amortised costs increased due to the assets acquired through the acquisition of Aegon NL (see <a href=\"#n1287134\" title=\"Acquisitions\">chapter 7.4.5</a>). </p>\n<p>Certain mortgage loans shown within the category investments at amortised cost are designated in portfolio fair value interest rate hedging relationships, and are fair valued with respect to the hedged interest rate. For 2023, this resulted in a higher carrying value of \u20ac\u00a0289 million (2022: nil). None of the financial assets has been reclassified during the financial year. </p>\n<p>Based on their contractual maturity, an amount of \u20ac\u00a013,929 million (2022: nil) of debt instruments is expected to be recovered after more than one year after the balance sheet date. For assets without a contractual maturity date, it is expected that they will be recovered after more than one year after the balance sheet date. </p>\n<h1 class=\"S_PARAGRAPH\" id=\"n1289464\"><span class=\"number\">7.5.6 </span><span class=\"title-text\">Investments related to direct participating insurance contracts </span></h1>\n<p>See accounting <a href=\"#n1286373\" title=\"E. Financial assets and financial liabilities\">policy E</a>. </p>\n<h3 class=\"table-title\">Investments related to direct participating insurance contracts </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:0%;\"/><col style=\"width:14%;\"/><col style=\"width:14%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">31 December 2023 </th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">31 December 2022 </th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Real estate equity funds </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">278 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">170 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-right-1\" style=\"text-align:left;vertical-align:bottom;\">Mortgage equity funds </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">271 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">252 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-right-1\" style=\"text-align:left;vertical-align:bottom;\">Debt equity funds </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">18 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-right-1\" style=\"text-align:left;vertical-align:bottom;\">Government bonds </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">6,013 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,543 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-right-1\" style=\"text-align:left;vertical-align:bottom;\">Corporate bonds </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,936 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,386 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-right-1\" style=\"text-align:left;vertical-align:bottom;\">Asset-backed securities </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">351 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-right-1\" style=\"text-align:left;vertical-align:bottom;\">Other investment funds </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1,197 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-right-1\" style=\"text-align:left;vertical-align:bottom;\">Derivatives </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">98 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-right-1\" style=\"text-align:left;vertical-align:bottom;\">Equities </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">14,252 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">6,486 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-right-1\" style=\"text-align:left;vertical-align:bottom;\">Mortgage loans </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1,357 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-right-1\" style=\"text-align:left;vertical-align:bottom;\">Private loans </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">208 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-right-1\" style=\"text-align:left;vertical-align:bottom;\">Other investments </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">3,375 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">76 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-right-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total investments related to direct participating insurance contracts </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>30,352 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>9,912 </b></td></tr></tbody></table> <br/>\n<p>Investments related to direct participating insurance contracts mainly increased due to the assets acquired through the acquisition of Aegon NL, see <a href=\"#n1287134\" title=\"Acquisitions\">chapter 7.4.5</a>. </p>\n<p>Investments related to direct participating insurance contracts are mandatorily measured at FVTPL. </p>\n<p>Direct participating insurance contracts are managed on behalf of policyholders on a fair value basis. Although individual instruments may (or may not) have a maturity depending on their nature, this does not impact the liquidity position <span style=\"white-space:nowrap;\">of a.s.r. </span></p>\n<h1 class=\"S_PARAGRAPH\" id=\"n1289488\"><span class=\"number\">7.5.7 </span><span class=\"title-text\">Derivatives </span></h1>\n<p>See accounting<a href=\"#n1286373\" title=\"E. Financial assets and financial liabilities\">policy E</a>. </p>\n<h3 class=\"table-title\">Derivatives </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:auto;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/></colgroup><thead>\n<tr style=\"border:none;\"><th class=\"startCol-1 endCol-1 valign-top border-right-1 headrow\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 colspan-2 headrow\" colspan=\"2\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;border-bottom:1px solid;\"><b>31 December 2023 </b></th><th class=\"startCol-4 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 colspan-2 headrow\" colspan=\"2\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;border-bottom:1px solid;\"><b>31 December 2022 </b></th></tr>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Asset </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Liability </b></th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Asset </b></th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Liability </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Derivatives not designated in a hedge </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">11,447 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">9,240 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">5,761 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">5,681 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Derivatives designated as fair value hedges </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1,461 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">892 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>12,907 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>10,132 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>5,761 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>5,681 </b></td></tr></tbody></table> <br/>\n<p>Derivatives consist primarily of derivatives used to hedge interest rate movements. Derivatives are classified mandatorily as FVTPL and changes in the fair value of derivatives at FVTPL are recorded in net fair value gains and (losses), see chapter <a href=\"#n1285996\" title=\"Net fair value gains and (losses)\">7.6.5</a>. </p>\n<p>Derivatives held for mortgage loans (Knab and Aegon hypotheken) are designated under fair value hedge accounting using the EU carve-out on hedge accounting, only net accounting ineffectiveness has an impact on the net result (for more information, see below under hedge accounting). </p>\n<p>a.s.r. trades both cleared and non-cleared derivatives on the basis of standardised contracts and exchanges cash variation margin with its counterparties. The derivatives are valued daily and cash collateral is exchanged to reflect the change in mark-to-market (MtM) of the derivatives. Because of this periodic margining process, counterparty risk on derivatives is negligible. </p>\n<p>In addition to the above variation margin obligations, there is also an initial margin obligation for central cleared derivatives which further reduces the risk of a.s.r. and its counterparties that they cannot fulfil their obligations. </p>\n<p>Notional amounts are not recognised as assets or liabilities in the balance sheet, however notional amounts are used in determining the fair value of the derivatives. Notional amounts do not reflect the potential gain or loss on a derivative transaction. </p>\n<h3 class=\"table-title\">Derivatives by type of instrument </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:0%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/></colgroup><thead>\n<tr style=\"border:none;\"><th class=\"startCol-1 endCol-1 valign-top border-right-1 headrow\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 colspan-3 headrow\" colspan=\"3\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;border-bottom:1px solid;\"><b>31 December 2023 </b></th><th class=\"startCol-5 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 colspan-3 headrow\" colspan=\"3\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;border-bottom:1px solid;\"><b>31 December 2022 </b></th></tr>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Asset </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Liability </b></th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Notional amount </b></th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Asset </b></th><th class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Liability </b></th><th class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Notional amount </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Foreign exchange contracts </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">57 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">116 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">4,936 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">80 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">29 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2,924 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Interest rate contracts </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">- Swaps </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">11,655 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">9,766 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">198,897 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">5,116 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">5,653 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">72,854 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">- Options </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">709 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">59 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">8,539 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">275 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2,781 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">- Futures </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">78 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">91 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">3,278 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">215 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,176 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Inflation linked swaps </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">358 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">21 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,794 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">44 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">290 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Equity index contracts </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">49 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">79 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">10,463 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">31 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">643 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Credit default swaps </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">45 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total derivatives </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>12,907 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>10,132 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>228,952 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>5,761 </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>5,681 </b></td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>80,667 </b></td></tr></tbody></table> <br/>\n<p>The derivatives do not include the derivatives relating to direct participating insurance contracts of \u20ac\u00a098 million (2022: nil). </p>\n<p>Derivatives increased due to the derivatives acquired through the acquisition of Aegon NL, see chapter <a href=\"#n1287134\" title=\"Acquisitions\">7.4.5</a>. In addition, derivatives increased primarily as a result of positive revaluations due to decreasing interest rates. </p>\n<p>In addition to the use of swaps and options a.s.r. manages interest rate risk by using bond forwards, included in interest rate contracts futures. </p>\n<p>The notional amounts of both receiver and payer swaps are included in the total notional amounts of foreign exchange contracts. </p>\n<p>The fair value of interest rate contracts is calculated by first determining the cash flows of the floating leg based on the Euribor-curve corresponding the interest reset period (3 months, 6 months or 12 months) of the swap. Then the net present value of the floating and fixed leg is determined by discounting the cash flows with the relevant curve (such as \u20acSTR, SOFR and SONIA). </p>\n<p>The fair value of the interest rate contracts using the above valuation method form the basis for the amount of collateral that is exchanged between a.s.r. and its counterparties in accordance with the underlying contracts. For more information see <a href=\"#n1287835\" title=\"Risk management\">chapter 7.8</a> on risk management. </p>\n<p>Of the derivatives \u20ac\u00a011,638 million assets (2022: \u20ac\u00a04,939 million) and \u20ac\u00a08,967 million liabilities (2022: \u20ac\u00a05,629 million) is expected to be recovered respectively settled more than one year after the balance sheet date. </p>\n<div class=\"header header-2\">Transition </div>\n<p>Throughout the world, a transition is taking place from interbank offered rates (IBORs) to alternative benchmarks. In the EU, the transition to alternative interest-rate benchmarks is governed by the Benchmark Regulation (BMR). Pursuant to the BMR, IBOR based contracts need to be amended to reference alternative rates or to be provided with a fallback option. </p>\n<p>The transition away from IBORs has mainly affected a.s.r.\u2019s derivative book, which is measured at fair value through profit or loss. Although most references under these derivatives remain BMR compliant, the Cash Collateral Interest Rate, and consequently discount rates, have required amendments towards Alternative Reference Rates (ARRs). </p>\n<p>In the past years, all relevant contracts referencing Ibors (except Euribor) have been amended to reflect ARRs. </p>\n<div class=\"header header-2\">Hedge accounting </div>\n<p>Macro fair value hedge accounting under the EU carve-out is applied by subsidiaries Knab and Aegon hypotheken (continuing practice post-acquisition). </p>\n<h3 class=\"table-title\">Derivatives designated as fair value hedges </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:auto;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>2023 </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>2022 </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Fair value changes mortgage loans recognised in profit or loss under EU carve-out </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">329 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><i>- </i></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Offset amount of fair value changes recognised on derivatives used as hedging instrument </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-326 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total accounting ineffectiveness under EU carve-out recognised in profit or loss </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>3 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td></tr></tbody></table> <br/>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfInvestmentsOtherThanInvestmentsAccountedForUsingEquityMethodExplanatory",
    "language": "en",
    "entity": "scheme:7245000G0HS48PZWUD53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "ixv-644": {
   "value": "\n<h1 class=\"S_PARAGRAPH\" id=\"n1289341\"><span class=\"number\">7.5.4 </span><span class=\"title-text\">Associates and joint ventures </span></h1>\n<p>See accounting policy <a href=\"#n1286667\" title=\"P. Associates and joint ventures\">P</a>. </p>\n<h3 class=\"table-title\">Associates and joint ventures </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:0%;\"/><col style=\"width:0%;\"/><col style=\"width:16%;\"/><col style=\"width:16%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">Interest </th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">31 December 2023 </th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">31 December 2022 </th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\"><b>At equity method </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">Associates and joint ventures </td><td class=\"startCol-2 endCol-2 valign-top align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:top;\">ranging between 10 % and 50 % </td><td class=\"startCol-3 endCol-3 valign-top align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:top;\">298 </td><td class=\"startCol-4 endCol-4 valign-top align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:top;\">79 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\"><b>At fair value through profit or loss </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">Real estate equity funds </td><td class=\"startCol-2 endCol-2 valign-top align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:top;\">ranging between 30 % and 85 % </td><td class=\"startCol-3 endCol-3 valign-top align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:top;\">4,689 </td><td class=\"startCol-4 endCol-4 valign-top align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:top;\">3,557 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">Mortgage equity funds </td><td class=\"startCol-2 endCol-2 valign-top align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:top;\">ranging between 5 % and 20 % </td><td class=\"startCol-3 endCol-3 valign-top align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:top;\">688 </td><td class=\"startCol-4 endCol-4 valign-top align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:top;\">705 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">Other equity funds </td><td class=\"startCol-2 endCol-2 valign-top align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:top;\">ranging between 1 % and 10 % </td><td class=\"startCol-3 endCol-3 valign-top align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:top;\">247 </td><td class=\"startCol-4 endCol-4 valign-top align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:top;\">67 </td></tr></tbody></table> <br/>\n<p>The amount of \u20ac\u00a0298 million consists of \u20ac\u00a0254 million associates and \u20ac\u00a044 million joint ventures. </p>\n<p>The joint venture at equity method acquired through the acquisition of Aegon NL, see <a href=\"#n1287134\" title=\"Acquisitions\">chapter 7.4.5</a>, is the real estate company Amvest Vastgoed B.V. </p>\n<p>The main associates at equity method acquired through the acquisition of Aegon NL are OB Capital Cooperatief U.A. and N.V. Levensverzekering-Maatschappij 'De Hoop'. </p>\n<p>The real estate equity funds acquired through the acquisition of Aegon NL are Amvest Residential Core Fund (Amvest RCF), Amvest Living &amp; Care Fund (Amvest LCF) and Amvest Development Fund (Amvest DF). </p>\n<p>The real estate equity funds consist of the ASR Dutch Mobility Office Fund (ASR DMOF), ASR Dutch Prime Retail Fund (ASR DPRF), ASR Dutch Core Residential Fund (ASR DCRF), ASR Dutch Farmland Fund (DFLF), and the real estate equity funds acquired through the acquisition of Aegon NL. <br/><br/>The mortgage equity funds consists of the ASR Mortgage Fund (ASR MF). <br/><br/>The other equity funds consists of five (2022: two) equity funds managed by a.s.r. <br/><br/>The interests in these funds are classified and presented as an investment at FVTPL. For more information, see <a href=\"#n1289368\" title=\"Investments\">chapter 7.5.5</a> and <a href=\"#n1285236\" title=\"Fair value of assets and liabilities\">chapter 7.7.1</a>. </p>\n<p>Investments in associates and joint ventures generally have a duration of more than one year after the balance sheet date. </p>\n<h3 class=\"table-title\">Changes in associates and joint ventures at equity method </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:0%;\"/><col style=\"width:14%;\"/><col style=\"width:14%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">2023 </th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">2022 </th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">At 1 January </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">79 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">102 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Acquisition </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">18 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Disposal </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-8 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Share of profit/(loss) </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">8 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-3 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Impairments </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-1 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Dividend </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-3 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-21 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Other changes </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-3 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Changes in the composition of the group </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">208 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>At 31 December </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>298 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>79 </b></td></tr></tbody></table> <br/>\n<p>Changes in the composition of the group relates to the associates and joint ventures acquired through the acquisition of Aegon NL, see <a href=\"#n1287134\" title=\"Acquisitions\">chapter 7.4.5</a>. </p>\n<p>Some participating interests in which a.s.r. has an interest of less than 20% qualify as associates, because a.s.r. has significant influence as a result of contractual agreements. a.s.r. also has interests of 50% or more in associates at fair value through profit or loss. a.s.r. has no control over these entities as the ability to direct the relevant activities is limited by contractual agreements and therefore does not consolidate these entities. </p>\n<p>The information disclosed in the tables below is based on the most recent financial information available from the associates and joint ventures. This is primarily based on the investee\u2019s financial statements and their accounting policies. If these policies differ from a.s.r.'s accounting policies, carrying amounts in a.s.r.\u2019s consolidated financial statements have been changed to be in line with a.s.r.\u2019s policies. </p>\n<h3 class=\"table-title\">Financial information available from the associates and joint ventures </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:18.2%;\"/><col style=\"width:10.8%;\"/><col style=\"width:7.5%;\"/><col style=\"width:7.5%;\"/><col style=\"width:8%;\"/><col style=\"width:7.5%;\"/><col style=\"width:10.8%;\"/><col style=\"width:7.2%;\"/><col style=\"width:7.5%;\"/><col style=\"width:7.5%;\"/><col style=\"width:7.5%;\"/></colgroup><thead>\n<tr style=\"border:none;\"><th class=\"startCol-1 endCol-1 valign-top headrow\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-6 valign-bottom align-right border-bottom-1 border-right-1 colspan-5 headrow\" colspan=\"5\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;border-bottom:1px solid;\">31 December 2023 </th><th class=\"startCol-7 endCol-11 valign-bottom align-right border-bottom-1 border-left-1 colspan-5 headrow\" colspan=\"5\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;border-bottom:1px solid;\">31 December 2022 </th></tr>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">Associates and joint ventures at equity method </th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">Real estate equity funds </th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">Mortgage equity funds </th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">Other equity funds </th><th class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">Total </th><th class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">Associates and joint ventures at equity method </th><th class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">Real estate equity funds </th><th class=\"startCol-9 endCol-9 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">Mortgage equity funds </th><th class=\"startCol-10 endCol-10 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">Other equity funds </th><th class=\"startCol-11 endCol-11 valign-bottom align-right border-bottom-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">Total </th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Total assets </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">491 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">11,276 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">8,457 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">7,815 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">28,039 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">318 </td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">6,021 </td><td class=\"startCol-9 endCol-9 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">7,885 </td><td class=\"startCol-10 endCol-10 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">4,124 </td><td class=\"startCol-11 endCol-11 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">18,348 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Total liabilities </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">159 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1,518 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">69 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">10 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1,756 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">161 </td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">295 </td><td class=\"startCol-9 endCol-9 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">113 </td><td class=\"startCol-10 endCol-10 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-11 endCol-11 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">569 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Total income </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">223 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">398 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">379 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1,151 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,152 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">194 </td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">211 </td><td class=\"startCol-9 endCol-9 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-1,679 </td><td class=\"startCol-10 endCol-10 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-668 </td><td class=\"startCol-11 endCol-11 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-1,942 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Result </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">19 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-313 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">343 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1,145 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1,194 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-8 </td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">241 </td><td class=\"startCol-9 endCol-9 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-1,714 </td><td class=\"startCol-10 endCol-10 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-670 </td><td class=\"startCol-11 endCol-11 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-2,151 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Total comprehensive income </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">11 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-313 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">343 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1,145 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1,186 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-8 </td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">241 </td><td class=\"startCol-9 endCol-9 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-1,714 </td><td class=\"startCol-10 endCol-10 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-670 </td><td class=\"startCol-11 endCol-11 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-2,151 </td></tr></tbody></table> <br/>\n<p>The increase in assets and liabilities of the real estate equity funds mainly relates to the additions as a result of the acquisition of Aegon NL. The increase in assets and liabilities of other equity funds mainly relates to the investment in three additional funds. </p>\n<p>The total assets of the real estate equity funds consist primarily of investment property, \u20ac\u00a010,723 million (2022: \u20ac\u00a05,777 million). The total assets of the mortgage equity funds consist primarily of mortgages, \u20ac\u00a08,279 million (2022: \u20ac\u00a07,708 million) and \u20ac\u00a07,760 million (2022: \u20ac\u00a04,101 million) of the total assets of the other equity funds consist of equities. </p>\n<p>The interest in the real estate equity funds are as follows: </p>\n<h3 class=\"table-title\">Investments in real estate equity funds </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:0%;\"/><col style=\"width:16%;\"/><col style=\"width:16%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">31 December 2023 </th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">31 December 2022 </th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">ASR DPRF </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">598 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">625 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-right-1\" style=\"text-align:left;vertical-align:bottom;\">ASR DCRF </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-left-1 border-right-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">957 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,066 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\">ASR DMOF </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">123 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1\" style=\"text-align:right;vertical-align:bottom;\">138 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">ASR DFLF </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1,679 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,728 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Amvest RCF </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-left-1 border-right-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">928 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-left-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Amvest LCF </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-left-1 border-right-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">276 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-left-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Amvest DF </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">127 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>4,689 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>3,557 </b></td></tr></tbody></table> <br/>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfSignificantInvestmentsInAssociatesExplanatory",
    "language": "en",
    "entity": "scheme:7245000G0HS48PZWUD53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "ixv-646": {
   "value": "\n<h1 class=\"S_PARAGRAPH\" id=\"n1289341\"><span class=\"number\">7.5.4 </span><span class=\"title-text\">Associates and joint ventures </span></h1>\n<p>See accounting policy <a href=\"#n1286667\" title=\"P. Associates and joint ventures\">P</a>. </p>\n<h3 class=\"table-title\">Associates and joint ventures </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:0%;\"/><col style=\"width:0%;\"/><col style=\"width:16%;\"/><col style=\"width:16%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">Interest </th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">31 December 2023 </th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">31 December 2022 </th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\"><b>At equity method </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">Associates and joint ventures </td><td class=\"startCol-2 endCol-2 valign-top align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:top;\">ranging between 10 % and 50 % </td><td class=\"startCol-3 endCol-3 valign-top align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:top;\">298 </td><td class=\"startCol-4 endCol-4 valign-top align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:top;\">79 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\"><b>At fair value through profit or loss </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">Real estate equity funds </td><td class=\"startCol-2 endCol-2 valign-top align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:top;\">ranging between 30 % and 85 % </td><td class=\"startCol-3 endCol-3 valign-top align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:top;\">4,689 </td><td class=\"startCol-4 endCol-4 valign-top align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:top;\">3,557 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">Mortgage equity funds </td><td class=\"startCol-2 endCol-2 valign-top align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:top;\">ranging between 5 % and 20 % </td><td class=\"startCol-3 endCol-3 valign-top align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:top;\">688 </td><td class=\"startCol-4 endCol-4 valign-top align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:top;\">705 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">Other equity funds </td><td class=\"startCol-2 endCol-2 valign-top align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:top;\">ranging between 1 % and 10 % </td><td class=\"startCol-3 endCol-3 valign-top align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:top;\">247 </td><td class=\"startCol-4 endCol-4 valign-top align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:top;\">67 </td></tr></tbody></table> <br/>\n<p>The amount of \u20ac\u00a0298 million consists of \u20ac\u00a0254 million associates and \u20ac\u00a044 million joint ventures. </p>\n<p>The joint venture at equity method acquired through the acquisition of Aegon NL, see <a href=\"#n1287134\" title=\"Acquisitions\">chapter 7.4.5</a>, is the real estate company Amvest Vastgoed B.V. </p>\n<p>The main associates at equity method acquired through the acquisition of Aegon NL are OB Capital Cooperatief U.A. and N.V. Levensverzekering-Maatschappij 'De Hoop'. </p>\n<p>The real estate equity funds acquired through the acquisition of Aegon NL are Amvest Residential Core Fund (Amvest RCF), Amvest Living &amp; Care Fund (Amvest LCF) and Amvest Development Fund (Amvest DF). </p>\n<p>The real estate equity funds consist of the ASR Dutch Mobility Office Fund (ASR DMOF), ASR Dutch Prime Retail Fund (ASR DPRF), ASR Dutch Core Residential Fund (ASR DCRF), ASR Dutch Farmland Fund (DFLF), and the real estate equity funds acquired through the acquisition of Aegon NL. <br/><br/>The mortgage equity funds consists of the ASR Mortgage Fund (ASR MF). <br/><br/>The other equity funds consists of five (2022: two) equity funds managed by a.s.r. <br/><br/>The interests in these funds are classified and presented as an investment at FVTPL. For more information, see <a href=\"#n1289368\" title=\"Investments\">chapter 7.5.5</a> and <a href=\"#n1285236\" title=\"Fair value of assets and liabilities\">chapter 7.7.1</a>. </p>\n<p>Investments in associates and joint ventures generally have a duration of more than one year after the balance sheet date. </p>\n<h3 class=\"table-title\">Changes in associates and joint ventures at equity method </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:0%;\"/><col style=\"width:14%;\"/><col style=\"width:14%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">2023 </th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">2022 </th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">At 1 January </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">79 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">102 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Acquisition </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">18 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Disposal </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-8 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Share of profit/(loss) </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">8 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-3 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Impairments </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-1 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Dividend </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-3 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-21 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Other changes </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-3 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Changes in the composition of the group </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">208 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>At 31 December </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>298 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>79 </b></td></tr></tbody></table> <br/>\n<p>Changes in the composition of the group relates to the associates and joint ventures acquired through the acquisition of Aegon NL, see <a href=\"#n1287134\" title=\"Acquisitions\">chapter 7.4.5</a>. </p>\n<p>Some participating interests in which a.s.r. has an interest of less than 20% qualify as associates, because a.s.r. has significant influence as a result of contractual agreements. a.s.r. also has interests of 50% or more in associates at fair value through profit or loss. a.s.r. has no control over these entities as the ability to direct the relevant activities is limited by contractual agreements and therefore does not consolidate these entities. </p>\n<p>The information disclosed in the tables below is based on the most recent financial information available from the associates and joint ventures. This is primarily based on the investee\u2019s financial statements and their accounting policies. If these policies differ from a.s.r.'s accounting policies, carrying amounts in a.s.r.\u2019s consolidated financial statements have been changed to be in line with a.s.r.\u2019s policies. </p>\n<h3 class=\"table-title\">Financial information available from the associates and joint ventures </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:18.2%;\"/><col style=\"width:10.8%;\"/><col style=\"width:7.5%;\"/><col style=\"width:7.5%;\"/><col style=\"width:8%;\"/><col style=\"width:7.5%;\"/><col style=\"width:10.8%;\"/><col style=\"width:7.2%;\"/><col style=\"width:7.5%;\"/><col style=\"width:7.5%;\"/><col style=\"width:7.5%;\"/></colgroup><thead>\n<tr style=\"border:none;\"><th class=\"startCol-1 endCol-1 valign-top headrow\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-6 valign-bottom align-right border-bottom-1 border-right-1 colspan-5 headrow\" colspan=\"5\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;border-bottom:1px solid;\">31 December 2023 </th><th class=\"startCol-7 endCol-11 valign-bottom align-right border-bottom-1 border-left-1 colspan-5 headrow\" colspan=\"5\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;border-bottom:1px solid;\">31 December 2022 </th></tr>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">Associates and joint ventures at equity method </th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">Real estate equity funds </th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">Mortgage equity funds </th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">Other equity funds </th><th class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">Total </th><th class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">Associates and joint ventures at equity method </th><th class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">Real estate equity funds </th><th class=\"startCol-9 endCol-9 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">Mortgage equity funds </th><th class=\"startCol-10 endCol-10 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">Other equity funds </th><th class=\"startCol-11 endCol-11 valign-bottom align-right border-bottom-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">Total </th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Total assets </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">491 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">11,276 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">8,457 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">7,815 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">28,039 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">318 </td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">6,021 </td><td class=\"startCol-9 endCol-9 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">7,885 </td><td class=\"startCol-10 endCol-10 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">4,124 </td><td class=\"startCol-11 endCol-11 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">18,348 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Total liabilities </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">159 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1,518 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">69 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">10 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1,756 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">161 </td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">295 </td><td class=\"startCol-9 endCol-9 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">113 </td><td class=\"startCol-10 endCol-10 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-11 endCol-11 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">569 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Total income </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">223 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">398 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">379 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1,151 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,152 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">194 </td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">211 </td><td class=\"startCol-9 endCol-9 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-1,679 </td><td class=\"startCol-10 endCol-10 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-668 </td><td class=\"startCol-11 endCol-11 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-1,942 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Result </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">19 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-313 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">343 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1,145 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1,194 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-8 </td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">241 </td><td class=\"startCol-9 endCol-9 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-1,714 </td><td class=\"startCol-10 endCol-10 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-670 </td><td class=\"startCol-11 endCol-11 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-2,151 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Total comprehensive income </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">11 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-313 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">343 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1,145 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1,186 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-8 </td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">241 </td><td class=\"startCol-9 endCol-9 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-1,714 </td><td class=\"startCol-10 endCol-10 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-670 </td><td class=\"startCol-11 endCol-11 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-2,151 </td></tr></tbody></table> <br/>\n<p>The increase in assets and liabilities of the real estate equity funds mainly relates to the additions as a result of the acquisition of Aegon NL. The increase in assets and liabilities of other equity funds mainly relates to the investment in three additional funds. </p>\n<p>The total assets of the real estate equity funds consist primarily of investment property, \u20ac\u00a010,723 million (2022: \u20ac\u00a05,777 million). The total assets of the mortgage equity funds consist primarily of mortgages, \u20ac\u00a08,279 million (2022: \u20ac\u00a07,708 million) and \u20ac\u00a07,760 million (2022: \u20ac\u00a04,101 million) of the total assets of the other equity funds consist of equities. </p>\n<p>The interest in the real estate equity funds are as follows: </p>\n<h3 class=\"table-title\">Investments in real estate equity funds </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:0%;\"/><col style=\"width:16%;\"/><col style=\"width:16%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">31 December 2023 </th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">31 December 2022 </th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">ASR DPRF </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">598 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">625 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-right-1\" style=\"text-align:left;vertical-align:bottom;\">ASR DCRF </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-left-1 border-right-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">957 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,066 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\">ASR DMOF </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">123 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1\" style=\"text-align:right;vertical-align:bottom;\">138 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">ASR DFLF </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1,679 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,728 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Amvest RCF </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-left-1 border-right-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">928 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-left-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Amvest LCF </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-left-1 border-right-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">276 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-left-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Amvest DF </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">127 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>4,689 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>3,557 </b></td></tr></tbody></table> <br/>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfInvestmentsAccountedForUsingEquityMethodExplanatory",
    "language": "en",
    "entity": "scheme:7245000G0HS48PZWUD53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "ixv-647": {
   "value": "\n<h1 class=\"S_PARAGRAPH\" id=\"n1289341\"><span class=\"number\">7.5.4 </span><span class=\"title-text\">Associates and joint ventures </span></h1>\n<p>See accounting policy <a href=\"#n1286667\" title=\"P. Associates and joint ventures\">P</a>. </p>\n<h3 class=\"table-title\">Associates and joint ventures </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:0%;\"/><col style=\"width:0%;\"/><col style=\"width:16%;\"/><col style=\"width:16%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">Interest </th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">31 December 2023 </th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">31 December 2022 </th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\"><b>At equity method </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">Associates and joint ventures </td><td class=\"startCol-2 endCol-2 valign-top align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:top;\">ranging between 10 % and 50 % </td><td class=\"startCol-3 endCol-3 valign-top align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:top;\">298 </td><td class=\"startCol-4 endCol-4 valign-top align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:top;\">79 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\"><b>At fair value through profit or loss </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">Real estate equity funds </td><td class=\"startCol-2 endCol-2 valign-top align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:top;\">ranging between 30 % and 85 % </td><td class=\"startCol-3 endCol-3 valign-top align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:top;\">4,689 </td><td class=\"startCol-4 endCol-4 valign-top align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:top;\">3,557 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">Mortgage equity funds </td><td class=\"startCol-2 endCol-2 valign-top align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:top;\">ranging between 5 % and 20 % </td><td class=\"startCol-3 endCol-3 valign-top align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:top;\">688 </td><td class=\"startCol-4 endCol-4 valign-top align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:top;\">705 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">Other equity funds </td><td class=\"startCol-2 endCol-2 valign-top align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:top;\">ranging between 1 % and 10 % </td><td class=\"startCol-3 endCol-3 valign-top align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:top;\">247 </td><td class=\"startCol-4 endCol-4 valign-top align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:top;\">67 </td></tr></tbody></table> <br/>\n<p>The amount of \u20ac\u00a0298 million consists of \u20ac\u00a0254 million associates and \u20ac\u00a044 million joint ventures. </p>\n<p>The joint venture at equity method acquired through the acquisition of Aegon NL, see <a href=\"#n1287134\" title=\"Acquisitions\">chapter 7.4.5</a>, is the real estate company Amvest Vastgoed B.V. </p>\n<p>The main associates at equity method acquired through the acquisition of Aegon NL are OB Capital Cooperatief U.A. and N.V. Levensverzekering-Maatschappij 'De Hoop'. </p>\n<p>The real estate equity funds acquired through the acquisition of Aegon NL are Amvest Residential Core Fund (Amvest RCF), Amvest Living &amp; Care Fund (Amvest LCF) and Amvest Development Fund (Amvest DF). </p>\n<p>The real estate equity funds consist of the ASR Dutch Mobility Office Fund (ASR DMOF), ASR Dutch Prime Retail Fund (ASR DPRF), ASR Dutch Core Residential Fund (ASR DCRF), ASR Dutch Farmland Fund (DFLF), and the real estate equity funds acquired through the acquisition of Aegon NL. <br/><br/>The mortgage equity funds consists of the ASR Mortgage Fund (ASR MF). <br/><br/>The other equity funds consists of five (2022: two) equity funds managed by a.s.r. <br/><br/>The interests in these funds are classified and presented as an investment at FVTPL. For more information, see <a href=\"#n1289368\" title=\"Investments\">chapter 7.5.5</a> and <a href=\"#n1285236\" title=\"Fair value of assets and liabilities\">chapter 7.7.1</a>. </p>\n<p>Investments in associates and joint ventures generally have a duration of more than one year after the balance sheet date. </p>\n<h3 class=\"table-title\">Changes in associates and joint ventures at equity method </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:0%;\"/><col style=\"width:14%;\"/><col style=\"width:14%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">2023 </th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">2022 </th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">At 1 January </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">79 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">102 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Acquisition </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">18 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Disposal </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-8 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Share of profit/(loss) </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">8 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-3 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Impairments </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-1 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Dividend </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-3 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-21 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Other changes </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-3 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Changes in the composition of the group </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">208 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>At 31 December </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>298 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>79 </b></td></tr></tbody></table> <br/>\n<p>Changes in the composition of the group relates to the associates and joint ventures acquired through the acquisition of Aegon NL, see <a href=\"#n1287134\" title=\"Acquisitions\">chapter 7.4.5</a>. </p>\n<p>Some participating interests in which a.s.r. has an interest of less than 20% qualify as associates, because a.s.r. has significant influence as a result of contractual agreements. a.s.r. also has interests of 50% or more in associates at fair value through profit or loss. a.s.r. has no control over these entities as the ability to direct the relevant activities is limited by contractual agreements and therefore does not consolidate these entities. </p>\n<p>The information disclosed in the tables below is based on the most recent financial information available from the associates and joint ventures. This is primarily based on the investee\u2019s financial statements and their accounting policies. If these policies differ from a.s.r.'s accounting policies, carrying amounts in a.s.r.\u2019s consolidated financial statements have been changed to be in line with a.s.r.\u2019s policies. </p>\n<h3 class=\"table-title\">Financial information available from the associates and joint ventures </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:18.2%;\"/><col style=\"width:10.8%;\"/><col style=\"width:7.5%;\"/><col style=\"width:7.5%;\"/><col style=\"width:8%;\"/><col style=\"width:7.5%;\"/><col style=\"width:10.8%;\"/><col style=\"width:7.2%;\"/><col style=\"width:7.5%;\"/><col style=\"width:7.5%;\"/><col style=\"width:7.5%;\"/></colgroup><thead>\n<tr style=\"border:none;\"><th class=\"startCol-1 endCol-1 valign-top headrow\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-6 valign-bottom align-right border-bottom-1 border-right-1 colspan-5 headrow\" colspan=\"5\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;border-bottom:1px solid;\">31 December 2023 </th><th class=\"startCol-7 endCol-11 valign-bottom align-right border-bottom-1 border-left-1 colspan-5 headrow\" colspan=\"5\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;border-bottom:1px solid;\">31 December 2022 </th></tr>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">Associates and joint ventures at equity method </th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">Real estate equity funds </th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">Mortgage equity funds </th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">Other equity funds </th><th class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">Total </th><th class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">Associates and joint ventures at equity method </th><th class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">Real estate equity funds </th><th class=\"startCol-9 endCol-9 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">Mortgage equity funds </th><th class=\"startCol-10 endCol-10 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">Other equity funds </th><th class=\"startCol-11 endCol-11 valign-bottom align-right border-bottom-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">Total </th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Total assets </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">491 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">11,276 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">8,457 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">7,815 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">28,039 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">318 </td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">6,021 </td><td class=\"startCol-9 endCol-9 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">7,885 </td><td class=\"startCol-10 endCol-10 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">4,124 </td><td class=\"startCol-11 endCol-11 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">18,348 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Total liabilities </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">159 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1,518 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">69 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">10 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1,756 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">161 </td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">295 </td><td class=\"startCol-9 endCol-9 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">113 </td><td class=\"startCol-10 endCol-10 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-11 endCol-11 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">569 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Total income </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">223 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">398 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">379 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1,151 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,152 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">194 </td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">211 </td><td class=\"startCol-9 endCol-9 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-1,679 </td><td class=\"startCol-10 endCol-10 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-668 </td><td class=\"startCol-11 endCol-11 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-1,942 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Result </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">19 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-313 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">343 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1,145 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1,194 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-8 </td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">241 </td><td class=\"startCol-9 endCol-9 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-1,714 </td><td class=\"startCol-10 endCol-10 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-670 </td><td class=\"startCol-11 endCol-11 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-2,151 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Total comprehensive income </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">11 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-313 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">343 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1,145 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1,186 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-8 </td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">241 </td><td class=\"startCol-9 endCol-9 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-1,714 </td><td class=\"startCol-10 endCol-10 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-670 </td><td class=\"startCol-11 endCol-11 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-2,151 </td></tr></tbody></table> <br/>\n<p>The increase in assets and liabilities of the real estate equity funds mainly relates to the additions as a result of the acquisition of Aegon NL. The increase in assets and liabilities of other equity funds mainly relates to the investment in three additional funds. </p>\n<p>The total assets of the real estate equity funds consist primarily of investment property, \u20ac\u00a010,723 million (2022: \u20ac\u00a05,777 million). The total assets of the mortgage equity funds consist primarily of mortgages, \u20ac\u00a08,279 million (2022: \u20ac\u00a07,708 million) and \u20ac\u00a07,760 million (2022: \u20ac\u00a04,101 million) of the total assets of the other equity funds consist of equities. </p>\n<p>The interest in the real estate equity funds are as follows: </p>\n<h3 class=\"table-title\">Investments in real estate equity funds </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:0%;\"/><col style=\"width:16%;\"/><col style=\"width:16%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">31 December 2023 </th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">31 December 2022 </th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">ASR DPRF </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">598 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">625 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-right-1\" style=\"text-align:left;vertical-align:bottom;\">ASR DCRF </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-left-1 border-right-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">957 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,066 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\">ASR DMOF </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">123 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1\" style=\"text-align:right;vertical-align:bottom;\">138 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">ASR DFLF </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1,679 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,728 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Amvest RCF </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-left-1 border-right-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">928 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-left-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Amvest LCF </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-left-1 border-right-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">276 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-left-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Amvest DF </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">127 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>4,689 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>3,557 </b></td></tr></tbody></table> <br/>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfJointVenturesExplanatory",
    "language": "en",
    "entity": "scheme:7245000G0HS48PZWUD53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "ixv-648": {
   "value": "\n<div class=\"tanPageBreak start-node\"> </div>\n<h1 class=\"S_PARAGRAPH\" id=\"n1289368\"><span class=\"number\">7.5.5 </span><span class=\"title-text\">Investments </span></h1>\n<p>See accounting policy <a href=\"#n1286373\" title=\"E. Financial assets and financial liabilities\">E</a>. </p>\n<h3 class=\"table-title\">Investments </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:0%;\"/><col style=\"width:16%;\"/><col style=\"width:16%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-left border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;\"><b>31 December 2023 </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>31 December 2022 </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">At FVTPL </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">74,380 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">39,031 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">At FVOCI </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">3,312 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2,046 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">At amortised cost </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">14,775 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total investments </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>92,466 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>41,077 </b></td></tr></tbody></table> <br/>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n1289414\"><span class=\"number\">7.5.5.1 </span><span class=\"title-text\">Investments at FVTPL </span></h1>\n<h3 class=\"table-title\">Investments at FVTPL </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:0%;\"/><col style=\"width:16%;\"/><col style=\"width:16%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>31 December 2023 </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>31 December 2022 </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Financial investments - transferred under repurchase agreements </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Government bonds </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">213 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">437 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Financial investments - own risk </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Real estate equity funds </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">5,380 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">4,092 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Mortgage equity funds </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">997 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,008 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Debt equity funds </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">772 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Government bonds </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">15,854 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">8,872 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Corporate bonds </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">9,948 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">7,272 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Asset-backed securities </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">3,013 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">413 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Other investment funds </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,153 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,605 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Equities </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">247 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">67 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Mortgage loans </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">24,494 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">9,074 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Private loans </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">11,309 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">6,191 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total investments at FVTPL </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>74,380 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>39,031 </b></td></tr></tbody></table> <br/>\n<p>Investments at FVTPL mainly increased due to the assets acquired through the acquisition of Aegon NL (see <a href=\"#n1287134\" title=\"Acquisitions\">chapter 7.4.5</a>). Government bonds were sold to finance the acquisition of Aegon NL. Private loans increased mainly due to new reverse repurchase agreements. </p>\n<p>Private loans consists for \u20ac\u00a02,285 million (2022: \u20ac\u00a02,293 million) of savings-linked mortgage loans. The claim related to cash collateral paid on derivative instruments, included in private loans, amounts to \u20ac\u00a01,091 million (2022: \u20ac\u00a01,633 million). </p>\n<p>a.s.r. has bonds amounting to \u20ac\u00a03,483 million (2022: \u20ac\u00a03,237 million), shares amounting to \u20ac\u00a024 million (2022: nil) and cash amounting to \u20ac\u00a0750 million (2022: \u20ac\u00a0600 million) (see <a href=\"#n1289562\" title=\"Cash and cash equivalents\">chapter 7.5.10</a>) that have been transferred, but do not qualify for derecognition. The majority of these investments are part of a securities lending programme whereby the investments are lent in exchange for a fee with collateral obtained as a security. The collateral furnished as security representing a fair value of \u20ac\u00a05,067 million (2022: \u20ac\u00a04,914 million) consists of mortgage loans and corporate and government bonds. See accounting policy <a href=\"#n1286598\" title=\"M. Securities lending\">M</a> about securities lending. </p>\n<p>For the real estate equity funds and mortgage equity funds for which a.s.r. has significant influence the exemption of IAS 28 was used, thereby measuring the investments at FVTPL and presenting them as a separate category within the investments at FVTPL. For a breakdown of the real estate equity funds and mortgage equity fund, see <a href=\"#n1289341\" title=\"Associates and joint ventures\">chapter 7.5.4</a>. </p>\n<p>At year-end 2023 and 2022, debt instruments at FVTPL consisted entirely of investments mandatorily measured as such. </p>\n<p>Based on their contractual maturity, an amount of \u20ac\u00a057,936 million (2022: \u20ac\u00a026,993 million) of fixed income investments is expected to be recovered after more than one year after the balance sheet date. For assets without a contractual maturity date, it is expected that they will be recovered after more than one year after the balance sheet date. </p>\n<p>For more detailed information about the fair value valuation of the investments, see <a href=\"#n1285236\" title=\"Fair value of assets and liabilities\">chapter 7.7.1. </a></p>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n1289391\"><span class=\"number\">7.5.5.2 </span><span class=\"title-text\">Investments at FVOCI </span></h1>\n<h3 class=\"table-title\">Investments at FVOCI </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:0%;\"/><col style=\"width:16%;\"/><col style=\"width:16%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>31 December 2023 </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>31 December 2022 </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Government bonds </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">359 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Corporate bonds </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">521 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Equities </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,348 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,743 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Preference shares </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">79 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">297 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Other participating contracts </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">5 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">6 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total investments at FVOCI </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>3,312 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>2,046 </b></td></tr></tbody></table> <br/>\n<p>Investments at FVOCI mainly increased due to the assets acquired through the acquisition of Aegon NL (see <a href=\"#n1287134\" title=\"Acquisitions\">chapter 7.4.5</a>). </p>\n<p>a.s.r. sold equity instruments held at FVOCI for an amount of \u20ac\u00a0953 million (2022: \u20ac\u00a0772 million ) in the ordinary course of business. The sales resulted in a gain of \u20ac\u00a085 million (2022: gain \u20ac\u00a0140 million). </p>\n<p>Based on their contractual maturity, an amount of \u20ac\u00a0522 million (2022: nil) of debt instruments is expected to be recovered after more than one year after the balance sheet date. For assets without a contractual maturity date, it is expected that they will be recovered after more than one year after the balance sheet date. </p>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n1289441\"><span class=\"number\">7.5.5.3 </span><span class=\"title-text\">Investments at amortised cost </span></h1>\n<h3 class=\"table-title\">Investments at amortised cost </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:0%;\"/><col style=\"width:16%;\"/><col style=\"width:16%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>31 December 2023 </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>31 December 2022 </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Mortgage loans </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">14,590 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Private loans </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">185 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total investments at amortised cost </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>14,775 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td></tr></tbody></table> <br/>\n<p>Investments at amortised costs increased due to the assets acquired through the acquisition of Aegon NL (see <a href=\"#n1287134\" title=\"Acquisitions\">chapter 7.4.5</a>). </p>\n<p>Certain mortgage loans shown within the category investments at amortised cost are designated in portfolio fair value interest rate hedging relationships, and are fair valued with respect to the hedged interest rate. For 2023, this resulted in a higher carrying value of \u20ac\u00a0289 million (2022: nil). None of the financial assets has been reclassified during the financial year. </p>\n<p>Based on their contractual maturity, an amount of \u20ac\u00a013,929 million (2022: nil) of debt instruments is expected to be recovered after more than one year after the balance sheet date. For assets without a contractual maturity date, it is expected that they will be recovered after more than one year after the balance sheet date. </p>\n<h1 class=\"S_PARAGRAPH\" id=\"n1289488\"><span class=\"number\">7.5.7 </span><span class=\"title-text\">Derivatives </span></h1>\n<p>See accounting<a href=\"#n1286373\" title=\"E. Financial assets and financial liabilities\">policy E</a>. </p>\n<h3 class=\"table-title\">Derivatives </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:auto;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/></colgroup><thead>\n<tr style=\"border:none;\"><th class=\"startCol-1 endCol-1 valign-top border-right-1 headrow\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 colspan-2 headrow\" colspan=\"2\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;border-bottom:1px solid;\"><b>31 December 2023 </b></th><th class=\"startCol-4 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 colspan-2 headrow\" colspan=\"2\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;border-bottom:1px solid;\"><b>31 December 2022 </b></th></tr>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Asset </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Liability </b></th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Asset </b></th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Liability </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Derivatives not designated in a hedge </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">11,447 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">9,240 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">5,761 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">5,681 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Derivatives designated as fair value hedges </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1,461 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">892 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>12,907 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>10,132 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>5,761 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>5,681 </b></td></tr></tbody></table> <br/>\n<p>Derivatives consist primarily of derivatives used to hedge interest rate movements. Derivatives are classified mandatorily as FVTPL and changes in the fair value of derivatives at FVTPL are recorded in net fair value gains and (losses), see chapter <a href=\"#n1285996\" title=\"Net fair value gains and (losses)\">7.6.5</a>. </p>\n<p>Derivatives held for mortgage loans (Knab and Aegon hypotheken) are designated under fair value hedge accounting using the EU carve-out on hedge accounting, only net accounting ineffectiveness has an impact on the net result (for more information, see below under hedge accounting). </p>\n<p>a.s.r. trades both cleared and non-cleared derivatives on the basis of standardised contracts and exchanges cash variation margin with its counterparties. The derivatives are valued daily and cash collateral is exchanged to reflect the change in mark-to-market (MtM) of the derivatives. Because of this periodic margining process, counterparty risk on derivatives is negligible. </p>\n<p>In addition to the above variation margin obligations, there is also an initial margin obligation for central cleared derivatives which further reduces the risk of a.s.r. and its counterparties that they cannot fulfil their obligations. </p>\n<p>Notional amounts are not recognised as assets or liabilities in the balance sheet, however notional amounts are used in determining the fair value of the derivatives. Notional amounts do not reflect the potential gain or loss on a derivative transaction. </p>\n<h3 class=\"table-title\">Derivatives by type of instrument </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:0%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/></colgroup><thead>\n<tr style=\"border:none;\"><th class=\"startCol-1 endCol-1 valign-top border-right-1 headrow\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 colspan-3 headrow\" colspan=\"3\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;border-bottom:1px solid;\"><b>31 December 2023 </b></th><th class=\"startCol-5 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 colspan-3 headrow\" colspan=\"3\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;border-bottom:1px solid;\"><b>31 December 2022 </b></th></tr>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Asset </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Liability </b></th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Notional amount </b></th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Asset </b></th><th class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Liability </b></th><th class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Notional amount </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Foreign exchange contracts </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">57 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">116 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">4,936 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">80 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">29 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2,924 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Interest rate contracts </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">- Swaps </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">11,655 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">9,766 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">198,897 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">5,116 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">5,653 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">72,854 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">- Options </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">709 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">59 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">8,539 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">275 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2,781 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">- Futures </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">78 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">91 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">3,278 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">215 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,176 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Inflation linked swaps </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">358 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">21 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,794 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">44 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">290 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Equity index contracts </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">49 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">79 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">10,463 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">31 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">643 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Credit default swaps </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">45 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total derivatives </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>12,907 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>10,132 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>228,952 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>5,761 </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>5,681 </b></td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>80,667 </b></td></tr></tbody></table> <br/>\n<p>The derivatives do not include the derivatives relating to direct participating insurance contracts of \u20ac\u00a098 million (2022: nil). </p>\n<p>Derivatives increased due to the derivatives acquired through the acquisition of Aegon NL, see chapter <a href=\"#n1287134\" title=\"Acquisitions\">7.4.5</a>. In addition, derivatives increased primarily as a result of positive revaluations due to decreasing interest rates. </p>\n<p>In addition to the use of swaps and options a.s.r. manages interest rate risk by using bond forwards, included in interest rate contracts futures. </p>\n<p>The notional amounts of both receiver and payer swaps are included in the total notional amounts of foreign exchange contracts. </p>\n<p>The fair value of interest rate contracts is calculated by first determining the cash flows of the floating leg based on the Euribor-curve corresponding the interest reset period (3 months, 6 months or 12 months) of the swap. Then the net present value of the floating and fixed leg is determined by discounting the cash flows with the relevant curve (such as \u20acSTR, SOFR and SONIA). </p>\n<p>The fair value of the interest rate contracts using the above valuation method form the basis for the amount of collateral that is exchanged between a.s.r. and its counterparties in accordance with the underlying contracts. For more information see <a href=\"#n1287835\" title=\"Risk management\">chapter 7.8</a> on risk management. </p>\n<p>Of the derivatives \u20ac\u00a011,638 million assets (2022: \u20ac\u00a04,939 million) and \u20ac\u00a08,967 million liabilities (2022: \u20ac\u00a05,629 million) is expected to be recovered respectively settled more than one year after the balance sheet date. </p>\n<div class=\"header header-2\">Transition </div>\n<p>Throughout the world, a transition is taking place from interbank offered rates (IBORs) to alternative benchmarks. In the EU, the transition to alternative interest-rate benchmarks is governed by the Benchmark Regulation (BMR). Pursuant to the BMR, IBOR based contracts need to be amended to reference alternative rates or to be provided with a fallback option. </p>\n<p>The transition away from IBORs has mainly affected a.s.r.\u2019s derivative book, which is measured at fair value through profit or loss. Although most references under these derivatives remain BMR compliant, the Cash Collateral Interest Rate, and consequently discount rates, have required amendments towards Alternative Reference Rates (ARRs). </p>\n<p>In the past years, all relevant contracts referencing Ibors (except Euribor) have been amended to reflect ARRs. </p>\n<div class=\"header header-2\">Hedge accounting </div>\n<p>Macro fair value hedge accounting under the EU carve-out is applied by subsidiaries Knab and Aegon hypotheken (continuing practice post-acquisition). </p>\n<h3 class=\"table-title\">Derivatives designated as fair value hedges </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:auto;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>2023 </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>2022 </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Fair value changes mortgage loans recognised in profit or loss under EU carve-out </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">329 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><i>- </i></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Offset amount of fair value changes recognised on derivatives used as hedging instrument </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-326 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total accounting ineffectiveness under EU carve-out recognised in profit or loss </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>3 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td></tr></tbody></table> <br/>\n<h1 class=\"S_PARAGRAPH\" id=\"n1289562\"><span class=\"number\">7.5.10 </span><span class=\"title-text\">Cash and cash equivalents </span></h1>\n<p>See <a href=\"#n1286711\" title=\"R. Cash and cash equivalents\">accounting policy R</a>. </p>\n<h3 class=\"table-title\">Cash and cash equivalents </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:0%;\"/><col style=\"width:14%;\"/><col style=\"width:14%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>31 December 2023 </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>31 December 2022 </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Due from banks </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">4,681 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,645 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Due from banks falling due within three months </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">3,229 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">601 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total cash and cash equivalents </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>7,910 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>2,246 </b></td></tr></tbody></table> <br/>\n<p>a.s.r. has cash amounting to \u20ac\u00a03.229 million (2022: \u20ac\u00a0601 million) that has been transferred as part of a securities lending programme, but does not qualify for derecognition. For more information see <a href=\"#n1289391\" title=\"Investments at FVOCI\">chapter 7.5.5.1</a>. </p>\n<p>Cash and cash equivalents include cash and demand balances held at DNB. DNB requires Knab to place 1% of their deposits with agreed maturity or the savings accounts (without restrictions to withdraw their money) in an account with DNB. These deposits are not freely available. This so-called minimum reserve is renewed each maintenance period consisting of approximately 6 weeks. An interest of 2,2% is received on this minimum reserve (2022: 2,5%). </p>\n<h3 class=\"table-title\">Deposit with DNB </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:auto;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>2023 </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>2022 </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Average balance on deposit with DNB at year-end </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">70 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">198 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Average minimum required balance on deposit by DNB for year-end </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">84 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">82 </td></tr></tbody></table> <br/>\n<p>All other cash and cash equivalents are freely available. The cash components include \u20ac\u00a02,824 million (2022: \u20ac\u00a0249 million) related to cash collateral received on derivative instruments and is managed separately from other cash equivalents. </p>\n<p>The claim related to cash collateral paid on derivative instruments is included in the amount loans to credit institutions (see <a href=\"#n1289414\" title=\"Investments at FVTPL\">chapter 7.5.5.2</a>). Debt related to cash collateral received on derivatives instruments is included in the amount due to banks (see <a href=\"#n1289216\" title=\"Due to banks\">chapter 7.5.19</a>). </p>\n<p>Interest expenses on cash collateral is mainly based on \u20acSTR (2022: \u20acSTR). </p>\n<div class=\"tanPageBreak newPage\"> </div>\n<h1 class=\"S_PARAGRAPH\" id=\"n1289216\"><span class=\"number\">7.5.19 </span><span class=\"title-text\">Due to banks </span></h1>\n<p>See accounting <a href=\"#n1286373\" title=\"E. Financial assets and financial liabilities\">policy E</a>. </p>\n<p>The amounts due to banks increased from \u20ac\u00a02,264 million to \u20ac\u00a04,512 million primarily as a result of the acquisition of Aegon NL. There is no significant difference between the carrying amount and the fair value of these liabilities (see chapter <a href=\"#n1285283\" title=\"Financial assets and liabilities not measured at fair value\">7.7.1.2</a>). The average interest rate for the cash collateral received in 2023 is 3.21% and based on \u20acSTR (2022: -0.01% (EONIA / \u20acSTR)). </p>\n<p>\u20ac\u00a0383 million (2022: \u20ac\u00a0450 million) of cash on the balance sheet has been borrowed by entering into repurchase agreements. The asset recognised for cash collateral paid on repurchase agreements is presented under investments. The liability recognised for cash collateral received on repurchase agreements is presented under due to banks. The entire amount due to banks is expected to be settled less than or equal to twelve months after the balance sheet date. The liability related to cash collateral received on derivate instruments is also included in due to banks. </p>\n<p>a.s.r.'s unsecured Revolving Credit Facility (RCF) amounts to \u20ac\u00a0600 million (2022: \u20ac\u00a0400 million). The RCF can be used for multiple purposes including investment purposes, balance sheet management and short-term cash flow management. As per the year - end 2023 the RCF is undrawn and fully available. </p>\n<p>An amount of \u20ac\u00a04,507 million (2022: \u20ac\u00a02,264 million) of due to banks is expected to be settled within twelve months after the balance sheet date. </p>\n<h1 class=\"S_PARAGRAPH\" id=\"n1285236\"><span class=\"number\">7.7.1 </span><span class=\"title-text\">Fair value of assets and liabilities </span></h1>\n<p>See accounting <a href=\"#n1286252\" title=\"Key accounting policies\">policy B</a>. </p>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n1285259\"><span class=\"number\">7.7.1.1 </span><span class=\"title-text\">Financial assets and liabilities measured at fair value </span></h1>\n<h3 class=\"table-title\">Breakdown of financial assets measured at fair value </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:auto;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/></colgroup><thead>\n<tr style=\"border:none;\"><th class=\"startCol-1 endCol-1 valign-top border-right-1 headrow\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;border-bottom:1px solid;\"><b>Fair value based on quoted prices in an active market </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;border-bottom:1px solid;\"><b>Fair value based on observable market data </b></th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 headrow\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;border-bottom:1px solid;\"><b>Fair value not based on observable market data </b></th><th class=\"startCol-5 endCol-5 valign-top headrow\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th></tr>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top align-left border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\"><b>31 December 2023 </b></th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Level 1 </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Level 2 </b></th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Level 3 </b></th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Total fair value </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Investments at FVTPL </b></td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Investments - transferred under repurchase agreements </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Government bonds </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">213 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">213 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>213 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>213 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Investments - own risk </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Real estate equity funds </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">5,380 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">5,380 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Mortgage equity funds </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">997 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">997 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Debt equity funds </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">19 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">70 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">684 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">772 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Government bonds </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">15,109 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">745 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">15,854 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Corporate bonds </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">9,204 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">744 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">9,948 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Asset-backed securities </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">3,013 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">3,013 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Other investment funds </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">606 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">974 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">572 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,153 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Equities </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">247 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">247 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Mortgage loans </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">24,494 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">24,494 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Private loans </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,365 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">8,932 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">12 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">11,309 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>27,550 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>11,465 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>35,152 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>74,167 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Investments related to direct participating insurance contracts </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Real estate equity funds </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">278 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">278 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Mortgage equity funds </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">271 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">271 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Debt equity funds </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">18 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">18 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Government bonds </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">6,013 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">6,013 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Corporate bonds </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,936 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,936 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Asset-backed securities </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">351 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">351 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Other investment funds </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">518 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">258 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">421 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1,197 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Derivatives </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">12 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">86 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">98 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Equities </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">14,252 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">14,252 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Mortgage loans </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1,357 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1,357 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Private loans </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">208 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">208 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Other investments </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1,989 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1,386 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">3,375 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>26,016 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>1,937 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>2,400 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>30,352 </b></td></tr></tbody></table> <br/>\n<h3 class=\"table-title\">Breakdown of financial assets measured at fair value </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:auto;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/></colgroup><thead>\n<tr style=\"border:none;\"><th class=\"startCol-1 endCol-1 valign-top border-right-1 headrow\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;border-bottom:1px solid;\"><b>Fair value based on quoted prices in an active market </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;border-bottom:1px solid;\"><b>Fair value based on observable market data </b></th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 headrow\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;border-bottom:1px solid;\"><b>Fair value not based on observable market data </b></th><th class=\"startCol-5 endCol-5 valign-top headrow\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th></tr>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top align-left border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\"><b>31 December 2023 </b></th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Level 1 </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Level 2 </b></th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Level 3 </b></th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Total fair value </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Investments at FVOCI </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Government bonds </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">280 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">79 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">359 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Corporate bonds </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">461 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">60 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">521 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Equities </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,291 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">58 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,348 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Preference shares </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">75 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">4 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">79 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Other participating contracts </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">5 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">5 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>3,036 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>214 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>62 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>3,312 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Derivatives </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Foreign exchange contracts </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">57 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">57 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Interest rate contracts </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">- Swaps </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">11,655 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">11,655 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">- Options </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">709 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">709 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">- Futures </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">77 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">78 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Equity index contracts </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">29 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">21 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">49 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Inflation linked swaps </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">358 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">358 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>29 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>12,878 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>12,907 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Cash and cash equivalents </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">7,910 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">7,910 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total financial assets measured at fair value </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>64,755 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>26,493 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>37,613 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>128,861 </b></td></tr></tbody></table> <br/>\n<h3 class=\"table-title\">Breakdown of financial liabilities measured at fair value </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:0%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:14%;\"/></colgroup><thead>\n<tr style=\"border:none;\"><th class=\"startCol-1 endCol-1 valign-top border-right-1 headrow\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;border-bottom:1px solid;\"><b>Fair value based on quoted prices in an active market </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;border-bottom:1px solid;\"><b>Fair value based on observable market data </b></th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 headrow\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;border-bottom:1px solid;\"><b>Fair value not based on observable market data </b></th><th class=\"startCol-5 endCol-5 valign-top headrow\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th></tr>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top align-left border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\"><b>31 December 2023 </b></th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Level 1 </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Level 2 </b></th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Level 3 </b></th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Total fair value </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Financial liabilities </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Derivatives </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Foreign exchange contracts </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">116 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">116 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Interest rate contracts </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">- Swaps </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">9,766 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">9,766 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">- Options </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">59 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">59 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">- Futures </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">90 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">91 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Equity index contracts </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">79 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">79 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Inflation linked swaps </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">21 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">21 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>90 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>10,041 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>10,132 </b></td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total financial liabilities measured at fair value </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>90 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>10,041 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>10,132 </b></td></tr></tbody></table> <br/>\n<h3 class=\"table-title\">Breakdown of financial assets measured at fair value </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:auto;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/></colgroup><thead>\n<tr style=\"border:none;\"><th class=\"startCol-1 endCol-1 valign-top border-right-1 headrow\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;border-bottom:1px solid;\"><b>Fair value based on quoted prices in an active market </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;border-bottom:1px solid;\"><b>Fair value based on observable market data </b></th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 headrow\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;border-bottom:1px solid;\"><b>Fair value not based on observable market data </b></th><th class=\"startCol-5 endCol-5 valign-top headrow\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th></tr>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top align-left border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\"><b>31 December 2022 </b></th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Level 1 </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Level 2 </b></th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Level 3 </b></th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Total fair value </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Investments at FVTPL </b></td><td class=\"startCol-2 endCol-2 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\"><b>Investments - transferred under repurchase agreements </b></td><td class=\"startCol-2 endCol-2 valign-top\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\">Government bonds </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1\" style=\"text-align:right;vertical-align:bottom;\">437 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1\" style=\"text-align:right;vertical-align:bottom;\">437 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>437 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>437 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Investments - own risk </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Real estate equity funds </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">4,092 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">4,092 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Mortgage equity funds </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,008 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,008 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Government bonds </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">8,646 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">204 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">22 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">8,872 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Corporate bonds </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">7,149 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">117 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">6 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">7,272 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Asset-backed securities </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">6 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">407 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">413 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Other investment funds </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">759 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">705 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">141 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,605 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Equities </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">67 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">67 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Mortgage loans </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">9,074 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">9,074 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Private loans </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,668 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">4,507 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">15 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">6,191 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>18,296 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>5,534 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>14,765 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>38,594 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Investments related to direct participating insurance contracts </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Real estate equity funds </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">170 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">170 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Mortgage equity funds </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">252 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">252 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Government bonds </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,543 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,543 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Corporate bonds </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,386 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,386 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Equities </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">6,486 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">6,486 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Other investments </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">72 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">4 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">76 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>9,657 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>4 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>252 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>9,912 </b></td></tr></tbody></table> <br/>\n<h3 class=\"table-title\">Breakdown of financial assets measured at fair value </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:auto;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/></colgroup><thead>\n<tr style=\"border:none;\"><th class=\"startCol-1 endCol-1 valign-top border-right-1 headrow\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;border-bottom:1px solid;\"><b>Fair value based on quoted prices in an active market </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;border-bottom:1px solid;\"><b>Fair value based on observable market data </b></th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 headrow\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;border-bottom:1px solid;\"><b>Fair value not based on observable market data </b></th><th class=\"startCol-5 endCol-5 valign-top headrow\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th></tr>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top align-left border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\"><b>31 December 2022 </b></th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Level 1 </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Level 2 </b></th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Level 3 </b></th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Total fair value </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Investments at FVOCI </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Equities </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,676 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">67 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,743 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Preference shares </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">293 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">5 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">297 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Other participating contracts </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">6 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">6 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>1,683 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>293 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>71 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>2,046 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Derivatives </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Foreign exchange contracts </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">80 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">80 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Interest rate contracts </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">- Swaps </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">5,116 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">5,116 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">- Options </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">275 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">275 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">- Futures </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">102 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">113 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">215 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Equity index contracts </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">31 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">31 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Inflation linked swaps </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">44 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">44 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>133 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>5,628 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>5,761 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Cash and cash equivalents </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1\" style=\"text-align:right;vertical-align:bottom;\">2,246 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1\" style=\"text-align:right;vertical-align:bottom;\">2,246 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total financial assets measured at fair value </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>32,451 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>11,458 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>15,088 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>58,996 </b></td></tr></tbody></table> <br/>\n<h3 class=\"table-title\">Breakdown of financial liabilities measured at fair value </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:0%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:14%;\"/></colgroup><thead>\n<tr style=\"border:none;\"><th class=\"startCol-1 endCol-1 valign-top border-right-1 headrow\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;border-bottom:1px solid;\"><b>Fair value based on quoted prices in an active market </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;border-bottom:1px solid;\"><b>Fair value based on observable market data </b></th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 headrow\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;border-bottom:1px solid;\"><b>Fair value not based on observable market data </b></th><th class=\"startCol-5 endCol-5 valign-top headrow\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th></tr>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top align-left border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\"><b>31 December 2022 </b></th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Level 1 </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Level 2 </b></th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Level 3 </b></th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Total fair value </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Financial liabilities </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Derivatives </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Foreign exchange contracts </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">29 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">29 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Interest rate contracts </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">- Swaps </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">5,653 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">5,653 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>5,681 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>5,681 </b></td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total financial liabilities measured at fair value </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>5,681 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>5,681 </b></td></tr></tbody></table> <br/>\n<p>Cash and cash equivalents are classified as level 1 when not subject to restrictions. </p>\n<h3 class=\"table-title\">Reclassification between categories </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:0%;\"/><col style=\"width:12%;\"/><col style=\"width:12%;\"/><col style=\"width:12%;\"/><col style=\"width:12%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;\"><b>2023 </b></th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>To level 1 </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>To level 2 </b></th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>To level 3 </b></th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Total </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>From </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Level 1: Fair value based on quoted prices in active market </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">125 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>125 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Level 2: Fair value based on observable market data </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">145 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>145 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Level 3: Fair value not based on observable market data </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td></tr></tbody></table> <br/>\n<p>Debt instrument funds are adjusted from level 2 to level 1 (\u20ac\u00a0145 million) and from level 1 to level 2 (\u20ac\u00a0125 million). Those movements are based respectively on increased and decreased observability of the inputs during the period. </p>\n<h3 class=\"table-title\">Reclassification between categories </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:0%;\"/><col style=\"width:12%;\"/><col style=\"width:12%;\"/><col style=\"width:12%;\"/><col style=\"width:12%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;\"><b>2022 </b></th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>To level 1 </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>To level 2 </b></th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>To level 3 </b></th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Total </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>From </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Level 1: Fair value based on quoted prices in active market </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">51 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">35 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>85 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Level 2: Fair value based on observable market data </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Level 3: Fair value not based on observable market data </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td></tr></tbody></table> <br/>\n<p>Debt instrument funds are adjusted from level 1 to level 2 (\u20ac\u00a051 million) and from level 1 to level 3 (\u20ac\u00a035 million). Those movements are based on decreased observability of the inputs during the period. </p>\n<p>The following two tables show the movement in financial assets measured at fair value including investments relating to direct participating insurance contracts and investment property that are categorised within level 3. </p>\n<h3 class=\"table-title\">Changes in financial assets classified as FVOCI categorised within level 3 </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:0%;\"/><col style=\"width:14%;\"/><col style=\"width:14%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>2023 </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>2022 </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">At 1 January </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">71 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">66 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Unrealised gains and losses recognised in other comprehensive income </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-9 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">6 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>At 31 December </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>62 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>71 </b></td></tr></tbody></table> <br/>\n<h3 class=\"table-title\">Changes in financial assets at FVTPL categorised within level 3 </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:0%;\"/><col style=\"width:14%;\"/><col style=\"width:14%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>2023 </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>2022 </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">At 1 January </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">15,016 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">15,361 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Changes in value of investments, realised/unrealised gains and losses: </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">- Fair value gains and losses </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">161 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-2,388 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Purchases </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">5,735 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">5,676 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Disposals </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-3,400 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-3,988 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Repayments </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-1,357 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-1,137 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Reclassification of investments from/to level 3 valuation technique </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">35 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Net transfer of real estate equity funds </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,456 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Exchange rate differences </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-6 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Other changes </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-170 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Changes in the composition of the group </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">21,571 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>At 31 December </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>37,551 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>15,016 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total revaluations of investments, held at end of period, recognised in the income statement </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>220 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-2,207 </b></td></tr></tbody></table> <br/>\n<p>Changes in the composition of the group relate to the acquisition of Aegon NL, see <a href=\"#n1287134\" title=\"Acquisitions\">chapter 7.4.5</a>. </p>\n<div class=\"header header-2\">Unobservable inputs used in determining the fair value for financial assets measured at fair value (recurring basis) that are categorised within level 3 </div>\n<div class=\"header header-4\">Investments at FVOCI </div>\n<p>The main non-observable market input for the equities classified as level 3 is the net asset value as published by the investee. It is estimated that a 10% increase in valuation of these equities would have no impact on net result due to the non-recycling nature of equity treatment, but would increase equity by \u20ac\u00a06 million (2022: \u20ac\u00a07 million), being approximately 0.1% (before tax) (2022: 0.1% (before tax)) of total equity. </p>\n<div class=\"header header-4\">Investments at FVTPL </div>\n<p>The mortgage loan portfolio is classified as level 3 'not measured on the basis of market observable market data'. Non-observable market inputs are used in the valuation methods, in addition to the observable market inputs. The valuation method used to determine the fair value of the mortgage loan portfolio is based on the mortgage spread of the risk-free interest rate curve and assumptions for unexpected full prepayments, originating costs, and the options related to early redemption and moving. A slight increase in the mortgage spread used would result in a significant decrease in fair value, and vice versa. </p>\n<p>The mortgage loan portfolio consists of high quality mortgages with a relatively fixed return, limited arrears. The mortgage loan portfolio consists only of Dutch mortgages with a limited counterparty default risk in line with the strategic investment plan, see <a href=\"#n1288197\" title=\"Counterparty default risk\">chapter 7.8.4</a>. </p>\n<p>The fair value of asset-backed securities is based on quotes retrieved from brokers or data vendors. The quotes are validated monthly and challenged if deemed necessary. The fair value of securitizations are determined based on a discounted cash flow model in case market quotes are insufficiently liquid. </p>\n<p>The main non-observable market input for the other investment funds classified as level 3 is the net asset value as published by the investee. It is estimated that a 10% increase in valuation of these equities would increase result before tax and equity by \u20ac\u00a057 million (2022: \u20ac\u00a014 million), being approximately 0.6% (before tax) (2022: 0.2% (before tax)) of total equity. </p>\n<p>The method of determining the fair value of the mortgage equity funds is based on the valuation of the underlying mortgage loans. The discounting curve used in this valuation is based on the two lowest tariffs in the market, excluding a.s.r.'s. </p>\n<p>The table below discloses the sensitivities to non-observable market inputs for the real estate equity funds. </p>\n<h3 class=\"table-title\">Unobservable and observable inputs used in determination of fair value </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:0%;\"/><col style=\"width:7%;\"/><col style=\"width:9.5%;\"/><col style=\"width:6.5%;\"/><col style=\"width:12%;\"/><col style=\"width:6.5%;\"/><col style=\"width:8%;\"/><col style=\"width:8%;\"/><col style=\"width:6%;\"/><col style=\"width:6%;\"/><col style=\"width:6%;\"/></colgroup><thead>\n<tr style=\"border:none;\"><th class=\"startCol-1 endCol-8 valign-bottom align-left border-right-1 colspan-8 headrow\" colspan=\"8\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;border-bottom:1px solid;\"><b>31 December 2023 </b></th><th class=\"startCol-9 endCol-11 valign-bottom align-right border-left-1 border-right-1 colspan-3 headrow\" colspan=\"3\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;border-bottom:1px solid;\">Change in theoretical rental value </th></tr>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Fair value </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Valuation technique </b></th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Gross </b></th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b> <br/>Gross theoretical rental value (\u20ac) </b></th><th class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Gross </b></th><th class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Gross yield (%) </b></th><th class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Change in yield </b></th><th class=\"startCol-9 endCol-9 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>-5% </b></th><th class=\"startCol-10 endCol-10 valign-bottom align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>0% </b></th><th class=\"startCol-11 endCol-11 valign-bottom align-right border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>5% </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\"><b>Investments at fair value through profit or loss </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-8 endCol-8 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-9 endCol-9 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-10 endCol-10 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-11 endCol-11 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">Real estate equity funds associates </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">3,357 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">DCF </td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-middle align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">116,418,080 </td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-middle align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">3.5% </td><td class=\"startCol-8 endCol-8 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">-5% </td><td class=\"startCol-9 endCol-9 valign-middle align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-10 endCol-10 valign-middle align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">177 </td><td class=\"startCol-11 endCol-11 valign-middle align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">353 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-8 endCol-8 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">0% </td><td class=\"startCol-9 endCol-9 valign-middle align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">-168 </td><td class=\"startCol-10 endCol-10 valign-middle align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-11 endCol-11 valign-middle align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">168 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-8 endCol-8 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">5% </td><td class=\"startCol-9 endCol-9 valign-middle align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">-320 </td><td class=\"startCol-10 endCol-10 valign-middle align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">-160 </td><td class=\"startCol-11 endCol-11 valign-middle align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">Real estate equity funds third parties </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">2,023 </td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-8 endCol-8 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-9 endCol-9 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-10 endCol-10 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-11 endCol-11 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total real estate equity funds </b></td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\"><b>5,380 </b></td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-8 endCol-8 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-9 endCol-9 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-10 endCol-10 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-11 endCol-11 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr></tbody></table><br/>\n<p>In this table, the real estate equity funds associates acquired through the acquisition of Aegon NL are classified as real estate equity funds third parties. </p>\n<h3 class=\"table-title\">Unobservable and observable inputs used in determination of fair value </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:0%;\"/><col style=\"width:7%;\"/><col style=\"width:9.5%;\"/><col style=\"width:6.5%;\"/><col style=\"width:12%;\"/><col style=\"width:6.5%;\"/><col style=\"width:8%;\"/><col style=\"width:8%;\"/><col style=\"width:6%;\"/><col style=\"width:6%;\"/><col style=\"width:6%;\"/></colgroup><thead>\n<tr style=\"border:none;\"><th class=\"startCol-1 endCol-8 valign-bottom align-left border-right-1 colspan-8 headrow\" colspan=\"8\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;border-bottom:1px solid;\"><b>31 December 2022 </b></th><th class=\"startCol-9 endCol-11 valign-bottom align-right border-left-1 border-right-1 colspan-3 headrow\" colspan=\"3\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;border-bottom:1px solid;\">Change in theoretical rental value </th></tr>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Fair value </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Valuation technique </b></th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Gross </b></th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b> <br/>Gross theoretical rental value (\u20ac) </b></th><th class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Gross </b></th><th class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Gross yield (%) </b></th><th class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Change in yield </b></th><th class=\"startCol-9 endCol-9 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>-5% </b></th><th class=\"startCol-10 endCol-10 valign-bottom align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>0% </b></th><th class=\"startCol-11 endCol-11 valign-bottom align-right border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>5% </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\"><b>Investments at fair value through profit or loss </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-8 endCol-8 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-9 endCol-9 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-10 endCol-10 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-11 endCol-11 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">Real estate equity funds associates </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">3,557 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">DCF </td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-middle align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">110,918,322 </td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-middle align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">3.1% </td><td class=\"startCol-8 endCol-8 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">-5% </td><td class=\"startCol-9 endCol-9 valign-middle align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-10 endCol-10 valign-middle align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">187 </td><td class=\"startCol-11 endCol-11 valign-middle align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">374 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-8 endCol-8 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">0% </td><td class=\"startCol-9 endCol-9 valign-middle align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">-178 </td><td class=\"startCol-10 endCol-10 valign-middle align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-11 endCol-11 valign-middle align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">178 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-8 endCol-8 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">5% </td><td class=\"startCol-9 endCol-9 valign-middle align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">-339 </td><td class=\"startCol-10 endCol-10 valign-middle align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">-169 </td><td class=\"startCol-11 endCol-11 valign-middle align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">Real estate equity funds third parties </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">535 </td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-8 endCol-8 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-9 endCol-9 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-10 endCol-10 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-11 endCol-11 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total real estate equity funds </b></td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>4,092 </b></td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-8 endCol-8 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-9 endCol-9 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-10 endCol-10 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-11 endCol-11 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr></tbody></table><br/>\n<p>The main non-observable market input for the real estate equity funds third parties is the net asset value as published by the investee. An increase or decrease in the net asset value of equities classified as level 3 will have a direct proportional impact on the fair value of the investment. </p>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n1285283\"><span class=\"number\">7.7.1.2 </span><span class=\"title-text\">Financial assets and liabilities not measured at fair value </span></h1>\n<h3 class=\"table-title\">Breakdown of financial assets and liabilities not measured at fair value </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:0%;\"/><col style=\"width:14%;\"/><col style=\"width:14%;\"/><col style=\"width:14%;\"/><col style=\"width:14%;\"/><col style=\"width:14%;\"/></colgroup><thead>\n<tr style=\"border:none;\"><th class=\"startCol-1 endCol-1 valign-top border-right-1 headrow\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;border-bottom:1px solid;\"><b>Fair value based on quoted prices in an active market </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;border-bottom:1px solid;\"><b>Fair value based on observable market data </b></th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 headrow\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;border-bottom:1px solid;\"><b>Fair value not based on observable market data </b></th><th class=\"startCol-5 endCol-5 valign-top headrow\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-6 endCol-6 valign-top headrow\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th></tr>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;\"><b>31 December 2023 </b></th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Level 1 </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Level 2 </b></th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Level 3 </b></th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Total fair value </b></th><th class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Total carrying value </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Financial assets </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Mortgage loans </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">14,308 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">14,308 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">14,590 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Private loans </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">178 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">178 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">185 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Other financial assets </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">494 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">599 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1,093 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1,092 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total financial assets not measured at fair value </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>494 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>599 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>14,485 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>15,578 </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>15,867 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Financial liabilities </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Subordinated liabilities </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,118 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,118 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,005 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Borrowings </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">6,365 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">88 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">6,453 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">6,384 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Savings deposits </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">12,121 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">12,121 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">11,967 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Due to banks </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">4,312 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">200 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">4,512 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">4,512 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Other financial liabilities </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">54 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">189 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">243 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">237 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total financial liabilities not measured at fair value </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>4,366 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>8,872 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>12,209 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>25,447 </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>25,104 </b></td></tr></tbody></table> <br/>\n<h3 class=\"table-title\">Breakdown of financial assets and liabilities not measured at fair value </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:0%;\"/><col style=\"width:14%;\"/><col style=\"width:14%;\"/><col style=\"width:14%;\"/><col style=\"width:14%;\"/><col style=\"width:14%;\"/></colgroup><thead>\n<tr style=\"border:none;\"><th class=\"startCol-1 endCol-1 valign-top border-right-1 headrow\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;border-bottom:1px solid;\"><b>Fair value based on quoted prices in an active market </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;border-bottom:1px solid;\"><b>Fair value based on observable market data </b></th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 headrow\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;border-bottom:1px solid;\"><b>Fair value not based on observable market data </b></th><th class=\"startCol-5 endCol-5 valign-top headrow\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-6 endCol-6 valign-top headrow\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th></tr>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;\"><b>31 December 2022 </b></th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Level 1 </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Level 2 </b></th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Level 3 </b></th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Total fair value </b></th><th class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Total carrying value </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Financial assets </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Other financial assets </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">27 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">220 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">247 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">247 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total financial assets not measured at fair value </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>27 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>220 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>247 </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>247 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Financial liabilities </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Subordinated liabilities </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,950 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,950 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2,005 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Borrowings </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">123 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">62 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">185 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">188 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Due to banks </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2,189 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">75 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2,264 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2,264 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Other financial liabilities </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">9 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">46 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">55 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">55 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total financial liabilities not measured at fair value </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>2,198 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>2,194 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>62 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>4,454 </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>4,512 </b></td></tr></tbody></table> <br/>\n<p>The method of determining the fair value of the mortgage loans at amortised cost is the same to that of mortgage loans held at FVTPL. For information regarding the measurement of the fair value of the mortgage loans, see <a href=\"#n1285259\" title=\"Financial assets and liabilities measured at fair value\">chapter 7.7.1.1</a>. </p>\n<p>Amounts due to banks classified as level 1 primarily comprise the liability recognised for the cash collateral received. </p>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n1285306\"><span class=\"number\">7.7.1.3 </span><span class=\"title-text\">Property (including land and buildings for own use and plant) </span></h1>\n<h3 class=\"table-title\">Breakdown of the fair value of the investment property, land and buildings for own use and plant </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:auto;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/></colgroup><thead>\n<tr style=\"border:none;\"><th class=\"startCol-1 endCol-1 valign-top border-right-1 headrow\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;border-bottom:1px solid;\"><b>Fair value based on quoted prices in an active market </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;border-bottom:1px solid;\"><b>Fair value based on observable market data </b></th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 headrow\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;border-bottom:1px solid;\"><b>Fair value not based on observable market data </b></th><th class=\"startCol-5 endCol-5 valign-top headrow\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th></tr>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;\">31 December 2023 </th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Level 1 </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Level 2 </b></th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Level 3 </b></th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Total fair value </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Investment property </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">3,051 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">3,051 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Land and buildings for own use </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">168 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">168 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Plants </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">417 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">417 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>3,636 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>3,636 </b></td></tr></tbody></table> <br/>\n<h3 class=\"table-title\">Breakdown of the fair value of the investment property, land and buildings for own use and plant </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:auto;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/></colgroup><thead>\n<tr style=\"border:none;\"><th class=\"startCol-1 endCol-1 valign-top border-right-1 headrow\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;border-bottom:1px solid;\"><b>Fair value based on quoted prices in an active market </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;border-bottom:1px solid;\"><b>Fair value based on observable market data </b></th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 headrow\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;border-bottom:1px solid;\"><b>Fair value not based on observable market data </b></th><th class=\"startCol-5 endCol-5 valign-top headrow\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th></tr>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;\">31 December 2022 </th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Level 1 </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Level 2 </b></th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Level 3 </b></th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Total fair value </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Investment property </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">664 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">664 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Land and buildings for own use </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">115 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">115 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Plants </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">480 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">480 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>1,259 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>1,259 </b></td></tr></tbody></table> <br/>\n<p>The property portfolio are classified as a level 3 \u2018not measured on the basis of market observable market data\u2019. Non- observable market inputs are used in the valuation methods, in addition to the observable market inputs. The fair value measurement at reporting date is based on valuations by independent professional appraisers. These valuations have been performed annually, with quarterly updates, for the entire portfolio of investment property, buildings for own use and plant. Independent professional appraisers use reference transactions of comparable properties, in combination with the DCF and income capitalisation method, to determine the fair value of the property or plant. The reference transactions of comparable objects of the property portfolio are generally based on observable data consisting of the land register \u2018Kadaster\u2019 and the rural land price monitor as published by the Dutch Government \u2018Grondprijsmonitor\u2019 in an active property market. </p>\n<p>The property has a relatively fixed return. The property portfolio is well diversified and consists of residential, retail, offices and rural property, throughout the Netherlands. The retail portfolio focusses on high street locations with relative low vacancy rates. The following table shows a breakdown of the fair value and vacancy rates of the portfolio of investment property. </p>\n<h3 class=\"table-title\">Breakdown of investment property </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:0%;\"/><col style=\"width:17%;\"/><col style=\"width:17%;\"/><col style=\"width:14%;\"/><col style=\"width:14%;\"/></colgroup><thead>\n<tr style=\"border:none;\"><th class=\"startCol-1 endCol-1 valign-top headrow\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 colspan-2 headrow\" colspan=\"2\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;border-bottom:1px solid;\">Fair value </th><th class=\"startCol-4 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 colspan-2 headrow\" colspan=\"2\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;border-bottom:1px solid;\">Vacancy rate </th></tr>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">31 December 2023 </th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">31 December 2022 </th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">2023 </th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">2022 </th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Retail </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">155 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">159 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">3.9% </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">3.1% </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-right-1\" style=\"text-align:left;vertical-align:bottom;\">Residential </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-left-1 border-right-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,347 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:bottom;\">1 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-left-1 border-right-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1.7% </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-left-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-right-1\" style=\"text-align:left;vertical-align:bottom;\">Rural </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-left-1 border-right-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">207 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:bottom;\">202 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-left-1 border-right-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-left-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-right-1\" style=\"text-align:left;vertical-align:bottom;\">Offices </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-left-1 border-right-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">287 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:bottom;\">290 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-left-1 border-right-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">10.4% </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-left-1\" style=\"text-align:right;vertical-align:bottom;\">8.4% </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-right-1\" style=\"text-align:left;vertical-align:bottom;\">Property under development </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-left-1 border-right-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">43 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-left-1 border-right-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">100.0% </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-left-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-right-1\" style=\"text-align:left;vertical-align:bottom;\">Parking </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">13 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1\" style=\"text-align:right;vertical-align:bottom;\">13 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>3,051 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>664 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>3.9% </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>3.5% </b></td></tr></tbody></table> <br/>\n<p>The movements in plant and investment property measured at fair value (recurring basis) that are categorised within level 3 are presented in <a href=\"#n1289289\" title=\"Property, plant and equipment\">chapter 7.5.2</a> and <a href=\"#n1289316\" title=\"Investment property\">chapter 7.5.3</a>. </p>\n<p>Significant inputs to the Level 3 values of investment property are the net initial yield and market rental value. These inputs are verified with the following market observable data: </p><ul><li>\n<p>Market rent per square meter for renewals and their respective re-letting rates; </p></li><li>\n<p>Reviewed rent per square meter; </p></li><li>\n<p>Investment transaction of comparable objects; </p></li><li>\n<p>The 10 year Dutch Government Bond Yield (%) rate as published by the DNB. </p></li></ul>\n<p>The significant unobservable and observable inputs to the Level 3 values of plant are the energy prices and market interest rates. An increase (decrease) of the discount rate will lead to a lower (higher) fair value measurement </p>\n<p>The table below discloses the sensitivities to non-observable market inputs for the property portfolio (excluding property under development, parking and plant). </p>\n<h3 class=\"table-title\">Unobservable and observable inputs used in determination of fair value </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:0%;\"/><col style=\"width:7%;\"/><col style=\"width:8%;\"/><col style=\"width:6%;\"/><col style=\"width:12%;\"/><col style=\"width:6%;\"/><col style=\"width:7%;\"/><col style=\"width:7%;\"/><col style=\"width:5.5%;\"/><col style=\"width:5.5%;\"/><col style=\"width:5.5%;\"/></colgroup><thead>\n<tr style=\"border:none;\"><th class=\"startCol-1 endCol-8 valign-bottom align-left border-right-1 colspan-8 headrow\" colspan=\"8\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;border-bottom:1px solid;\"><b>31 December 2023 </b></th><th class=\"startCol-9 endCol-11 valign-bottom align-right border-left-1 border-right-1 colspan-3 headrow\" colspan=\"3\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;border-bottom:1px solid;\">Change in theoretical rental value </th></tr>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Fair value </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Valuation technique </b></th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Gross </b></th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b> <br/>Gross theoretical rental value (\u20ac) </b></th><th class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Gross </b></th><th class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Gross yield (%) </b></th><th class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Change in yield </b></th><th class=\"startCol-9 endCol-9 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>-5% </b></th><th class=\"startCol-10 endCol-10 valign-bottom align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>0% </b></th><th class=\"startCol-11 endCol-11 valign-bottom align-right border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>5% </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\"><b>Investment property - Fair value model </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-8 endCol-8 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-9 endCol-9 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-10 endCol-10 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-11 endCol-11 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">Retail </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">155 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">DCF </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">total </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">11,834,440 </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">mean </td><td class=\"startCol-7 endCol-7 valign-middle align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">7.6% </td><td class=\"startCol-8 endCol-8 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">-5% </td><td class=\"startCol-9 endCol-9 valign-middle align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-10 endCol-10 valign-middle align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">8 </td><td class=\"startCol-11 endCol-11 valign-middle align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">16 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-middle align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">max </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">1,775,241 </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">max </td><td class=\"startCol-7 endCol-7 valign-middle align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">10.4% </td><td class=\"startCol-8 endCol-8 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">0% </td><td class=\"startCol-9 endCol-9 valign-middle align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">-8 </td><td class=\"startCol-10 endCol-10 valign-middle align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-11 endCol-11 valign-middle align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">8 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-middle align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">min </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">9,149 </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">min </td><td class=\"startCol-7 endCol-7 valign-middle align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">3.6% </td><td class=\"startCol-8 endCol-8 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">5% </td><td class=\"startCol-9 endCol-9 valign-middle align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">-15 </td><td class=\"startCol-10 endCol-10 valign-middle align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">-7 </td><td class=\"startCol-11 endCol-11 valign-middle align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">Residential </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">2,347 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">DCF </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">total </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">107,232,363 </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">mean </td><td class=\"startCol-7 endCol-7 valign-middle align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">4.6% </td><td class=\"startCol-8 endCol-8 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">-5% </td><td class=\"startCol-9 endCol-9 valign-middle align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-10 endCol-10 valign-middle align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">124 </td><td class=\"startCol-11 endCol-11 valign-middle align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">247 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-middle align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">max </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">5,277,404 </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">max </td><td class=\"startCol-7 endCol-7 valign-middle align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">25.9% </td><td class=\"startCol-8 endCol-8 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">0% </td><td class=\"startCol-9 endCol-9 valign-middle align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">-117 </td><td class=\"startCol-10 endCol-10 valign-middle align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-11 endCol-11 valign-middle align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">117 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-middle align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">min </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">4,807 </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">min </td><td class=\"startCol-7 endCol-7 valign-middle align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">2.6% </td><td class=\"startCol-8 endCol-8 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">5% </td><td class=\"startCol-9 endCol-9 valign-middle align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">-223 </td><td class=\"startCol-10 endCol-10 valign-middle align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">-112 </td><td class=\"startCol-11 endCol-11 valign-middle align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">Rural </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">207 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">DCF </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">total </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">5,675,431 </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">mean </td><td class=\"startCol-7 endCol-7 valign-middle align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">2.7% </td><td class=\"startCol-8 endCol-8 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">-5% </td><td class=\"startCol-9 endCol-9 valign-middle align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-10 endCol-10 valign-middle align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">11 </td><td class=\"startCol-11 endCol-11 valign-middle align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">22 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-middle align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">max </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">733,743 </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">max </td><td class=\"startCol-7 endCol-7 valign-middle align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">7.1% </td><td class=\"startCol-8 endCol-8 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">0% </td><td class=\"startCol-9 endCol-9 valign-middle align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">-10 </td><td class=\"startCol-10 endCol-10 valign-middle align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-11 endCol-11 valign-middle align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">10 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-middle align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">min </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">3,578 </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">min </td><td class=\"startCol-7 endCol-7 valign-middle align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">0.5% </td><td class=\"startCol-8 endCol-8 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">5% </td><td class=\"startCol-9 endCol-9 valign-middle align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">-20 </td><td class=\"startCol-10 endCol-10 valign-middle align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">-10 </td><td class=\"startCol-11 endCol-11 valign-middle align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">Offices </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">287 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">DCF </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">total </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">19,006,243 </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">mean </td><td class=\"startCol-7 endCol-7 valign-middle align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">6.6% </td><td class=\"startCol-8 endCol-8 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">-5% </td><td class=\"startCol-9 endCol-9 valign-middle align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-10 endCol-10 valign-middle align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">15 </td><td class=\"startCol-11 endCol-11 valign-middle align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">30 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-middle align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">max </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">6,246,961 </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">max </td><td class=\"startCol-7 endCol-7 valign-middle align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">9.6% </td><td class=\"startCol-8 endCol-8 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">0% </td><td class=\"startCol-9 endCol-9 valign-middle align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">-14 </td><td class=\"startCol-10 endCol-10 valign-middle align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-11 endCol-11 valign-middle align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">14 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-middle align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">min </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">58,024 </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">min </td><td class=\"startCol-7 endCol-7 valign-middle align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">3.9% </td><td class=\"startCol-8 endCol-8 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">5% </td><td class=\"startCol-9 endCol-9 valign-middle align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">-27 </td><td class=\"startCol-10 endCol-10 valign-middle align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">-14 </td><td class=\"startCol-11 endCol-11 valign-middle align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">Property under development </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">42 </td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-8 endCol-8 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-9 endCol-9 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-10 endCol-10 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-11 endCol-11 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-8 endCol-8 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-9 endCol-9 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-10 endCol-10 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-11 endCol-11 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">Parking </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">13 </td><td class=\"startCol-3 endCol-3 valign-top border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-8 endCol-8 valign-top border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-9 endCol-9 valign-top border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-10 endCol-10 valign-top border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-11 endCol-11 valign-top border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-8 endCol-8 valign-top border-left-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-9 endCol-9 valign-top border-left-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-10 endCol-10 valign-top format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-11 endCol-11 valign-top format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-left-1 border-right-1\" style=\"text-align:left;vertical-align:middle;\"><b>Land and buildings for own use </b></td><td class=\"startCol-2 endCol-2 valign-middle align-right border-left-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\"><b>167 </b></td><td class=\"startCol-3 endCol-3 valign-middle align-right format-highlight\" style=\"text-align:right;vertical-align:middle;\">DCF </td><td class=\"startCol-4 endCol-4 valign-middle align-right format-highlight\" style=\"text-align:right;vertical-align:middle;\">total </td><td class=\"startCol-5 endCol-5 valign-middle align-right format-highlight\" style=\"text-align:right;vertical-align:middle;\">14,446,774 </td><td class=\"startCol-6 endCol-6 valign-middle align-right format-highlight\" style=\"text-align:right;vertical-align:middle;\">mean </td><td class=\"startCol-7 endCol-7 valign-middle align-right border-right-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">8.9% </td><td class=\"startCol-8 endCol-8 valign-middle align-right border-left-1 border-right-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">-5% </td><td class=\"startCol-9 endCol-9 valign-middle align-right border-left-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-10 endCol-10 valign-middle align-right format-highlight\" style=\"text-align:right;vertical-align:middle;\">9 </td><td class=\"startCol-11 endCol-11 valign-middle align-right format-highlight\" style=\"text-align:right;vertical-align:middle;\">17 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-middle align-right border-bottom-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">max </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-bottom-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">8,645,359 </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-bottom-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">max </td><td class=\"startCol-7 endCol-7 valign-middle align-right border-bottom-1 border-right-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">17.4% </td><td class=\"startCol-8 endCol-8 valign-middle align-right border-bottom-1 border-left-1 border-right-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">0% </td><td class=\"startCol-9 endCol-9 valign-middle align-right border-bottom-1 border-left-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">-8 </td><td class=\"startCol-10 endCol-10 valign-middle align-right border-bottom-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-11 endCol-11 valign-middle align-right border-bottom-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">8 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-middle align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">min </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">1,542,905 </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">min </td><td class=\"startCol-7 endCol-7 valign-middle align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">6.9% </td><td class=\"startCol-8 endCol-8 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">5% </td><td class=\"startCol-9 endCol-9 valign-middle align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">-15 </td><td class=\"startCol-10 endCol-10 valign-middle align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">-8 </td><td class=\"startCol-11 endCol-11 valign-middle align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-8 endCol-8 valign-top border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-9 endCol-9 valign-top border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-10 endCol-10 valign-top border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-11 endCol-11 valign-top border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:middle;\"><b>Plant </b></td><td class=\"startCol-2 endCol-2 valign-middle align-right border-left-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\"><b>417 </b></td><td class=\"startCol-3 endCol-3 valign-top format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-8 endCol-8 valign-top border-left-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-9 endCol-9 valign-top border-left-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-10 endCol-10 valign-top format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-11 endCol-11 valign-top format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-8 endCol-8 valign-top border-bottom-1 border-left-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-9 endCol-9 valign-top border-bottom-1 border-left-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-10 endCol-10 valign-top border-bottom-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-11 endCol-11 valign-top border-bottom-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>3,636 </b></td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-8 endCol-8 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-9 endCol-9 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-10 endCol-10 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-11 endCol-11 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr></tbody></table><br/>\n<h3 class=\"table-title\">Unobservable and observable inputs used in determination of fair value </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:0%;\"/><col style=\"width:7%;\"/><col style=\"width:8%;\"/><col style=\"width:6%;\"/><col style=\"width:12%;\"/><col style=\"width:6%;\"/><col style=\"width:7%;\"/><col style=\"width:7%;\"/><col style=\"width:5.5%;\"/><col style=\"width:5.5%;\"/><col style=\"width:5.5%;\"/></colgroup><thead>\n<tr style=\"border:none;\"><th class=\"startCol-1 endCol-8 valign-bottom align-left border-right-1 colspan-8 headrow\" colspan=\"8\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;border-bottom:1px solid;\"><b>31 December 2022 </b></th><th class=\"startCol-9 endCol-11 valign-bottom align-right border-left-1 border-right-1 colspan-3 headrow\" colspan=\"3\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;border-bottom:1px solid;\">Change in theoretical rental value </th></tr>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Fair value </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Valuation technique </b></th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Gross </b></th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b> <br/>Gross theoretical rental value (\u20ac) </b></th><th class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Gross </b></th><th class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Gross yield (%) </b></th><th class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Change in yield </b></th><th class=\"startCol-9 endCol-9 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>-5% </b></th><th class=\"startCol-10 endCol-10 valign-bottom align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>0% </b></th><th class=\"startCol-11 endCol-11 valign-bottom align-right border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>5% </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\"><b>Investment property - Fair value model </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-8 endCol-8 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-9 endCol-9 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-10 endCol-10 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-11 endCol-11 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">Retail </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">159 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">DCF </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">total </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">11,340,229 </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">mean </td><td class=\"startCol-7 endCol-7 valign-middle align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">7.1% </td><td class=\"startCol-8 endCol-8 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">-5% </td><td class=\"startCol-9 endCol-9 valign-middle align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-10 endCol-10 valign-middle align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">8 </td><td class=\"startCol-11 endCol-11 valign-middle align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">17 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-middle align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">max </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">1,641,470 </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">max </td><td class=\"startCol-7 endCol-7 valign-middle align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">9.6% </td><td class=\"startCol-8 endCol-8 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">0% </td><td class=\"startCol-9 endCol-9 valign-middle align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">-8 </td><td class=\"startCol-10 endCol-10 valign-middle align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-11 endCol-11 valign-middle align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">8 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-middle align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">min </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">14,940 </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">min </td><td class=\"startCol-7 endCol-7 valign-middle align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">3.7% </td><td class=\"startCol-8 endCol-8 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">5% </td><td class=\"startCol-9 endCol-9 valign-middle align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">-15 </td><td class=\"startCol-10 endCol-10 valign-middle align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">-8 </td><td class=\"startCol-11 endCol-11 valign-middle align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">Residential </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">1 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">DCF </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">total </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">76,600 </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">mean </td><td class=\"startCol-7 endCol-7 valign-middle align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">7.9% </td><td class=\"startCol-8 endCol-8 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">-5% </td><td class=\"startCol-9 endCol-9 valign-middle align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-10 endCol-10 valign-middle align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-11 endCol-11 valign-middle align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-middle align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">max </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">76,600 </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">max </td><td class=\"startCol-7 endCol-7 valign-middle align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">7.9% </td><td class=\"startCol-8 endCol-8 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">0% </td><td class=\"startCol-9 endCol-9 valign-middle align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-10 endCol-10 valign-middle align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-11 endCol-11 valign-middle align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-middle align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">min </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">76,600 </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">min </td><td class=\"startCol-7 endCol-7 valign-middle align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">7.9% </td><td class=\"startCol-8 endCol-8 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">5% </td><td class=\"startCol-9 endCol-9 valign-middle align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-10 endCol-10 valign-middle align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-11 endCol-11 valign-middle align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">Rural </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">202 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">DCF </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">total </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">4,754,747 </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">mean </td><td class=\"startCol-7 endCol-7 valign-middle align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">2.4% </td><td class=\"startCol-8 endCol-8 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">-5% </td><td class=\"startCol-9 endCol-9 valign-middle align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-10 endCol-10 valign-middle align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">11 </td><td class=\"startCol-11 endCol-11 valign-middle align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">21 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-middle align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">max </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">1,776,687 </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">max </td><td class=\"startCol-7 endCol-7 valign-middle align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">3.8% </td><td class=\"startCol-8 endCol-8 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">0% </td><td class=\"startCol-9 endCol-9 valign-middle align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">-10 </td><td class=\"startCol-10 endCol-10 valign-middle align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-11 endCol-11 valign-middle align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">10 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-middle align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">min </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">500 </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">min </td><td class=\"startCol-7 endCol-7 valign-middle align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">0.5% </td><td class=\"startCol-8 endCol-8 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">5% </td><td class=\"startCol-9 endCol-9 valign-middle align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">-19 </td><td class=\"startCol-10 endCol-10 valign-middle align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">-10 </td><td class=\"startCol-11 endCol-11 valign-middle align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">Offices </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">290 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">DCF </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">total </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">19,406,800 </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">mean </td><td class=\"startCol-7 endCol-7 valign-middle align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">6.7% </td><td class=\"startCol-8 endCol-8 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">-5% </td><td class=\"startCol-9 endCol-9 valign-middle align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-10 endCol-10 valign-middle align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">15 </td><td class=\"startCol-11 endCol-11 valign-middle align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">30 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-middle align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">max </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">5,280,212 </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">max </td><td class=\"startCol-7 endCol-7 valign-middle align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">9.8% </td><td class=\"startCol-8 endCol-8 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">0% </td><td class=\"startCol-9 endCol-9 valign-middle align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">-14 </td><td class=\"startCol-10 endCol-10 valign-middle align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-11 endCol-11 valign-middle align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">14 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-middle align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">min </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">52,513 </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">min </td><td class=\"startCol-7 endCol-7 valign-middle align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">4.4% </td><td class=\"startCol-8 endCol-8 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">5% </td><td class=\"startCol-9 endCol-9 valign-middle align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">-28 </td><td class=\"startCol-10 endCol-10 valign-middle align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">-14 </td><td class=\"startCol-11 endCol-11 valign-middle align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">Property under development </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-8 endCol-8 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-9 endCol-9 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-10 endCol-10 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-11 endCol-11 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-8 endCol-8 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-9 endCol-9 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-10 endCol-10 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-11 endCol-11 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">Parking </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">13 </td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-8 endCol-8 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-9 endCol-9 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-10 endCol-10 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-11 endCol-11 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-8 endCol-8 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-9 endCol-9 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-10 endCol-10 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-11 endCol-11 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-left-1 border-right-1\" style=\"text-align:left;vertical-align:middle;\"><b>Land and buildings for own use </b></td><td class=\"startCol-2 endCol-2 valign-middle align-right border-left-1\" style=\"text-align:right;vertical-align:middle;\"><b>115 </b></td><td class=\"startCol-3 endCol-3 valign-middle align-right\" style=\"text-align:right;vertical-align:middle;\">DCF </td><td class=\"startCol-4 endCol-4 valign-middle align-right\" style=\"text-align:right;vertical-align:middle;\">total </td><td class=\"startCol-5 endCol-5 valign-middle align-right\" style=\"text-align:right;vertical-align:middle;\">8,273,071 </td><td class=\"startCol-6 endCol-6 valign-middle align-right\" style=\"text-align:right;vertical-align:middle;\">mean </td><td class=\"startCol-7 endCol-7 valign-middle align-right border-right-1\" style=\"text-align:right;vertical-align:middle;\">7.5% </td><td class=\"startCol-8 endCol-8 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">-5% </td><td class=\"startCol-9 endCol-9 valign-middle align-right border-left-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-10 endCol-10 valign-middle align-right\" style=\"text-align:right;vertical-align:middle;\">6 </td><td class=\"startCol-11 endCol-11 valign-middle align-right\" style=\"text-align:right;vertical-align:middle;\">12 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-middle align-right border-bottom-1\" style=\"text-align:right;vertical-align:middle;\">max </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-bottom-1\" style=\"text-align:right;vertical-align:middle;\">8,273,071 </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-bottom-1\" style=\"text-align:right;vertical-align:middle;\">max </td><td class=\"startCol-7 endCol-7 valign-middle align-right border-bottom-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">7.5% </td><td class=\"startCol-8 endCol-8 valign-middle align-right border-bottom-1 border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">0% </td><td class=\"startCol-9 endCol-9 valign-middle align-right border-bottom-1 border-left-1\" style=\"text-align:right;vertical-align:middle;\">-5 </td><td class=\"startCol-10 endCol-10 valign-middle align-right border-bottom-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-11 endCol-11 valign-middle align-right border-bottom-1\" style=\"text-align:right;vertical-align:middle;\">5 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-middle align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">min </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">8,273,071 </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">min </td><td class=\"startCol-7 endCol-7 valign-middle align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">7.5% </td><td class=\"startCol-8 endCol-8 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">5% </td><td class=\"startCol-9 endCol-9 valign-middle align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">-10 </td><td class=\"startCol-10 endCol-10 valign-middle align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">-5 </td><td class=\"startCol-11 endCol-11 valign-middle align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-8 endCol-8 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-9 endCol-9 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-10 endCol-10 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-11 endCol-11 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:middle;\"><b>Plant </b></td><td class=\"startCol-2 endCol-2 valign-middle align-right\" style=\"text-align:right;vertical-align:middle;\"><b>480 </b></td><td class=\"startCol-3 endCol-3 valign-top\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-8 endCol-8 valign-top border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-9 endCol-9 valign-top border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-10 endCol-10 valign-top\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-11 endCol-11 valign-top\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-8 endCol-8 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-9 endCol-9 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-10 endCol-10 valign-top border-bottom-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-11 endCol-11 valign-top border-bottom-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>1,259 </b></td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-8 endCol-8 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-9 endCol-9 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-10 endCol-10 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-11 endCol-11 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr></tbody></table><br/>\n<h1 class=\"S_PARAGRAPH\" id=\"n1285330\"><span class=\"number\">7.7.2 </span><span class=\"title-text\">Offsetting of financial assets and liabilities </span></h1>\n<p>The following tables include information about rights to offset and the related arrangements. The amounts included consist of all recognised financial instruments that are presented net in the balance sheet under the IFRS-EU offsetting requirements (legal right to offset and intention to settle on a net basis) and amounts presented gross in the balance sheet but subject to enforceable master netting arrangements or similar arrangements. </p>\n<p>a.s.r. mitigates credit risk in derivative contracts by entering into collateral agreements, where practical, and in ISDA master netting agreements for each of the legal entities of a.s.r. to facilitate a.s.r.\u2019s right to offset credit risk exposure. The credit support agreement will normally dictate the threshold over which collateral needs to be pledged by a.s.r. or its counterparty. Transactions requiring a.s.r. or its counterparty to post collateral are typically the result of over-the-counter derivative trades, comprised mostly of interest rate swaps, currency swaps and credit swaps. These transactions are conducted under terms that are usual and customary to standard borrowing, derivative, securities lending and securities borrowing activities, as well as requirements determined by exchanges where the bank acts as intermediary. </p>\n<h3 class=\"table-title\">Offsetting of financial assets </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:0%;\"/><col style=\"width:12%;\"/><col style=\"width:14%;\"/><col style=\"width:14%;\"/><col style=\"width:12%;\"/><col style=\"width:14%;\"/><col style=\"width:12%;\"/></colgroup><thead>\n<tr style=\"border:none;\"><th class=\"startCol-1 endCol-1 valign-top headrow\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 headrow\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;border-bottom:1px solid;\"><b>Gross amounts of recognised financial assets </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 headrow\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;border-bottom:1px solid;\"><b>Gross amounts of recognised financial liabilities set off in the statement of financial position </b></th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 headrow\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;border-bottom:1px solid;\"><b>Net amounts of financial assets presented in the statement of financial position </b></th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 headrow\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;border-bottom:1px solid;\"><b>Related amounts not set off in the statement of financial position </b></th><th class=\"startCol-6 endCol-7 valign-bottom align-right border-bottom-1 colspan-2 headrow\" colspan=\"2\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;border-bottom:1px solid;\"><b>Net amount </b></th></tr>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;\"><b>Financial assets subject to offsetting, enforceable master netting arrangements and similar agreements </b></th><th class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Financial instruments </b></th><th class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b> <br/>Cash Collateral received (excluding surplus) </b></th><th class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>31 December 2023 </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Derivatives </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">12,821 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">12,821 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">9,210 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">3,579 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">32 </td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total financial assets </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>12,821 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>12,821 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>9,210 </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>3,579 </b></td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>32 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\"><b>31 December 2022 </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Derivatives </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">5,722 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">5,722 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">4,114 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,608 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total financial assets </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>5,722 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>5,722 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>4,114 </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>1,608 </b></td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td></tr></tbody></table> <br/>\n<h3 class=\"table-title\">Offsetting of financial liabilities </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:0%;\"/><col style=\"width:12%;\"/><col style=\"width:14%;\"/><col style=\"width:14%;\"/><col style=\"width:12%;\"/><col style=\"width:14%;\"/><col style=\"width:12%;\"/></colgroup><thead>\n<tr style=\"border:none;\"><th class=\"startCol-1 endCol-1 valign-top headrow\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 headrow\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;border-bottom:1px solid;\"><b>Gross amounts of recognised financial liabilities </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 headrow\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;border-bottom:1px solid;\"><b>Gross amounts of recognised financial assets set off in the statement of financial position </b></th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 headrow\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;border-bottom:1px solid;\"><b>Net amounts of financial liabilities presented in the statement of financial position </b></th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 headrow\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;border-bottom:1px solid;\"><b>Related amounts not set off in the statement of financial position </b></th><th class=\"startCol-6 endCol-7 valign-bottom align-right border-bottom-1 colspan-2 headrow\" colspan=\"2\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;border-bottom:1px solid;\"><b>Net amount </b></th></tr>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;\"><b>Financial liabilities subject to offsetting, enforceable master netting arrangements and similar agreements </b></th><th class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Financial instruments </b></th><th class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b> <br/>Cash Collateral pledged (excluding surplus) </b></th><th class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>31 December 2023 </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Derivatives </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">10,131 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">10,131 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">9,210 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">833 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">88 </td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total financial liabilities </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>10,131 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>10,131 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>9,210 </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>833 </b></td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>88 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\"><b>31 December 2022 </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Derivatives </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">5,681 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">5,681 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">4,114 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,567 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total financial liabilities </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>5,681 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>5,681 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>4,114 </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>1,567 </b></td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td></tr></tbody></table> <br/>\n<h1 class=\"S_PARAGRAPH\" id=\"n1288197\"><span class=\"number\">7.8.4 </span><span class=\"title-text\">Counterparty default risk </span></h1>\n<p>Counterparty default risk reflects possible losses due to unexpected default or deterioration in the credit standing of counterparties and debtors. Counterparty default risk affects several types of assets: </p><ul><li>\n<p>mortgages </p></li><li>\n<p>savings-linked mortgage loans </p></li><li>\n<p>derivatives </p></li><li>\n<p>reinsurance </p></li><li>\n<p>receivables </p></li><li>\n<p>cash and deposits </p></li><li>\n<p>expected credit loss </p></li></ul>\n<p>Assets that are in scope of spread risk are, by definition, not in scope of counterparty default risk and vice versa. The Solvency II regime makes a distinction between two types of exposures: </p><ul><li>\n<p>Type 1: These counterparties generally have a rating (reinsurance, derivatives, current account balances, deposits with ceding companies and issued guarantee (letter of credit). The exposures are not diversified. </p></li><li>\n<p>Type 2: These counterparties are normally unrated (receivables from intermediaries and policyholders, mortgages with private individuals or SMEs). The exposures are generally diversified. </p></li></ul>\n<p>The total capital requirement for counterparty risk is an aggregation of the capital requirement for type 1 exposure and the capital requirement for type 2 exposure by taking 75% correlation. </p>\n<h3 class=\"table-title\">Counterparty default risk - required capital </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:0%;\"/><col style=\"width:14%;\"/><col style=\"width:14%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>31 December 2023 </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>31 December 2022 </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Type 1 </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">190 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">103 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Type 2 </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">136 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">138 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Diversification (negative) </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-20 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-15 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>305 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>226 </b></td></tr></tbody></table> <br/>\n<p>In 2023 the Solvency II SF Counterparty default has increased with \u20ac\u00a079 million. The main reason for this increase is the acquisition of Aegon NL which lead to an increase of Type 1 risk of \u20ac\u00a086 million. </p>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n1288287\"><span class=\"number\">7.8.4.1 </span><span class=\"title-text\">Mortgages </span></h1>\n<p>Mortgages are granted for the account and risk of third parties and for a.s.r.\u2019s own account. The a.s.r. portfolio consists only of Dutch mortgages with a limited counterparty default risk. The fair value of a.s.r.\u2019s mortgage portfolio was \u20ac\u00a09,975 million at year-end 2023 (2022: \u20ac\u00a09,534 million). The increase in 2023 (\u20ac\u00a0441 million) was almost entirely the result of the acquisition of Aegon NL. Please note that only the mortgages of former Aegon non-life are in scope of Counterparty default risk. The mortgage portfolios of both Aegon life and Aegon spaarkas are in scope of Solvency II IM spread risk. </p>\n<h3 class=\"chart-title width-50\">Composition mortgage portfolio </h3>\n<div class=\"chart width-50 \"><img alt=\"\" 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\" style=\"width:100%;\"/>\n</div>\n<p>The Loan-to-Value ratio is based on the value of the mortgage according to Solvency II principals with respect to the a.s.r. calculated collateral. The percentage of mortgages which are in arrears for over three months has increased from 0.03% in December 2022 to 0.04% in December 2023. </p>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n1288317\"><span class=\"number\">7.8.4.2 </span><span class=\"title-text\">Savings-linked mortgage loans </span></h1>\n<p>The counterparty default risk of the savings-linked mortgage loans ('Spaarlossen') depends on the counterparty. For 11% of the portfolio, the counterparties are Special Purpose Vehicles. The risk is limited due to the robust quality of the mortgages in the Special Purpose Vehicles in combination with the tranching. a.s.r. has a cession-retrocession agreement with the counterparty for 86% of the portfolio, for which the risk is limited. Effectively, a.s.r. recognises the underlying receivable from the counterparty (or in the case of insolvency of the counterparty the mortgage loans transfers as collateral), mitigating the counterparty default risk of the savings-linked mortgage loans. </p>\n<p>On September 1, 2021 DNB issued the Q&amp;A and Good Practices document on the treatment of saving mortgages and in December, the Dutch Association of Insurers shared its additional guidance on this subject. These documents provide further requirements and guidelines on the valuation, risk calculations and balance sheet classification. Saving deposits without collateral agreement are considered in the SCR Spread Risk Module. The saving deposits with collateral are treated in the Counterparty Risk Module. Furthermore the collaterised deposits are split in two: a) the outstanding part and corresponding interest are considered in the SCR Counterparty risk type 2 (zero risk); b) the future premiums and corresponding interest are treated as the uncollaterised derivative contract of SCR Counterparty Risk Type 1. </p>\n<h3 class=\"chart-title width-50\">Composition savings-linked mortgage loans portfolio </h3>\n<div class=\"chart width-50 \"><img alt=\"\" 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\" style=\"width:100%;\"/>\n</div>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n1288407\"><span class=\"number\">7.8.4.3 </span><span class=\"title-text\">Derivatives </span></h1>\n<p>Over the Counter (OTC) derivatives are primarily used by a.s.r. to manage the interest-rate risks incorporated into the insurance liabilities. Interest-rate derivatives are traded with a well-diversified and qualitative dealer panel with whom there is an established International Swaps and Derivatives Association (ISDA) contract and a Credit Support Annex (CSA) in place. These CSAs include specific agreements on the exchange of collateral limiting market and counterparty risk. The outstanding value of the interest rate derivative positions is matched by collateral received from eligible counterparties, minimising the net counterparty default risk. </p>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n1288377\"><span class=\"number\">7.8.4.4 </span><span class=\"title-text\">Reinsurance </span></h1>\n<p>a.s.r. collaborates with reinsurers for fire and catastrophe risk. When entering into reinsurance contracts for fire and catastrophe, a.s.r. requires the counterparty to be rated at least single A. With respect to long-tail business and other sectors, the minimum permitted rating is single A. </p>\n<p>The table below shows the exposure to reinsurers per rating. The total exposure to reinsurers at year-end 2023 was \u20ac\u00a0-90 million (2022: \u20ac\u00a0309 million). The negative exposure in 2023 was entirely the result of the exposure of Aegon NL (\u20ac\u00a0-445 million) and the exposure of other entities (\u20ac\u00a0355 million). The table below does not include Aegon NL. </p>\n<h3 class=\"table-title\">Composition reinsurance counterparties by rating </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:0%;\"/><col style=\"width:14%;\"/><col style=\"width:14%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:middle;\"><b>31 December 2023 </b></th><th class=\"startCol-3 endCol-3 valign-middle align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:middle;\"><b>31 December 2022 </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-top-1\" style=\"text-align:left;vertical-align:bottom;\">AAA </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">0% </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-top-1\" style=\"text-align:right;vertical-align:bottom;\">0% </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom\" style=\"text-align:left;vertical-align:bottom;\">AA </td><td class=\"startCol-2 endCol-2 valign-bottom align-right format-highlight\" style=\"text-align:right;vertical-align:bottom;\">87% </td><td class=\"startCol-3 endCol-3 valign-bottom align-right\" style=\"text-align:right;vertical-align:bottom;\">86% </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom\" style=\"text-align:left;vertical-align:bottom;\">A </td><td class=\"startCol-2 endCol-2 valign-bottom align-right format-highlight\" style=\"text-align:right;vertical-align:bottom;\">10% </td><td class=\"startCol-3 endCol-3 valign-bottom align-right\" style=\"text-align:right;vertical-align:bottom;\">14% </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1\" style=\"text-align:left;vertical-align:bottom;\">NR </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">0% </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1\" style=\"text-align:right;vertical-align:bottom;\">0% </td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>100% </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>100% </b></td></tr></tbody></table> <br/>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n1288347\"><span class=\"number\">7.8.4.5 </span><span class=\"title-text\">Receivables </span></h1>\n<p>The receivables with a counterparty default risk amounted to \u20ac\u00a02,404 million at year-end 2023. This mainly consits of insurance and intermediaries receivables (\u20ac\u00a0229 million), reinsurance receivables (\u20ac\u00a031 million), health insurance fund (\u20ac\u00a0159 million) and other (non-insurance) receivables (\u20ac\u00a01,985 million). </p>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n1288227\"><span class=\"number\">7.8.4.6 </span><span class=\"title-text\">Cash and cash equivalents </span></h1>\n<p>The current accounts on the balance sheet amounted \u20ac\u00a04,303 million in 2023 (2022: \u20ac\u00a01,756 million). The increase in 2023 (\u20ac\u00a02,548 million) was almost entirely the result of the acquisition of Aegon NL. </p>\n<h3 class=\"table-title\">Composition cash accounts by rating </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:0%;\"/><col style=\"width:14%;\"/><col style=\"width:14%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:middle;\"><b>31 December 2023 </b></th><th class=\"startCol-3 endCol-3 valign-middle align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:middle;\"><b>31 December 2022 </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-top-1\" style=\"text-align:left;vertical-align:bottom;\">AAA </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">773 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-top-1\" style=\"text-align:right;vertical-align:bottom;\">0 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom\" style=\"text-align:left;vertical-align:bottom;\">AA </td><td class=\"startCol-2 endCol-2 valign-bottom align-right format-highlight\" style=\"text-align:right;vertical-align:bottom;\">514 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right\" style=\"text-align:right;vertical-align:bottom;\">0 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom\" style=\"text-align:left;vertical-align:bottom;\">A </td><td class=\"startCol-2 endCol-2 valign-bottom align-right format-highlight\" style=\"text-align:right;vertical-align:bottom;\">3,017 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right\" style=\"text-align:right;vertical-align:bottom;\">1,744 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1\" style=\"text-align:left;vertical-align:bottom;\">Lower than A </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">0 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1\" style=\"text-align:right;vertical-align:bottom;\">11 </td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>4,303 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>1,756 </b></td></tr></tbody></table> <br/>\n<p>a.s.r. has no deposits in scope of counterparty default risk. </p>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n1288257\"><span class=\"number\">7.8.4.7 </span><span class=\"title-text\">Expected credit loss </span></h1>\n<p>The recognition and measurement of impairments is forward-looking, and apply to all financial assets measured at amortised cost and at FVOCI. Initially, a provision is required for credit losses expected within the next 12 months. This is referred to as \u2018Stage 1\u2019. If there is a significant increase in credit risk between the moment of origination and the reporting date, but the exposure is not in default, the exposure is in \u2018Stage 2\u2019. If the exposure is in default, this is referred to as \u2018Stage 3\u2019. For both \u2018Stage 2\u2019 and \u2018Stage 3\u2019, a provision is required for expected credit losses over the remaining lifetime of the financial asset. </p>\n<div class=\"header header-2\">Expected credit loss measurement </div>\n<p>The impairment requirements outline a \u2018three-stage\u2019 model for impairment based on changes in credit quality since initial recognition as summarised below: </p><ol><li>\n<p>A financial instrument that is not credit-impaired on initial recognition is classified into \u2018Stage 1\u2019 and has its credit risk continuously monitored by a.s.r.: <br/>a) If a significant increase in credit risk (\u2018SICR\u2019) since initial recognition is identified, the financial instrument is moved to \u2018Stage 2\u2019 but is not yet deemed to be credit impaired. <br/>b) If the financial instrument is credit-impaired, the financial instrument is then moved to \u2018Stage 3\u2019. </p></li><li>\n<p>Financial instruments in Stage 1 have their ECL measured at a 12-month expected credit losses that result from default events possible within the next 12 months. </p></li><li>\n<p>Financial instruments in Stages 2 or 3 have their ECL measured based on expected credit losses on a lifetime basis. </p></li></ol>\n<p>ECL is measured on either a 12-month basis (Stage 1) or lifetime basis (Stages 2/3) depending on whether a significant increase in credit risk has occurred since initial recognition or whether an asset is considered to be credit-impaired. </p>\n<p>Expected credit losses are the discounted product of the Probability of Default (PD), Exposure at Default (EAD), and Loss Given Default (LGD), defined as follows: </p><ul><li>\n<p>PD represents the likelihood of a borrower defaulting on its financial obligation, either over the next 12 months (12-month PD), or over the remaining lifetime (lifetime PD) of the obligation; </p></li><li>\n<p>EAD is based on the amounts a.s.r. expects to be owed at the time of default, over the next 12 months (12-month EAD) or over the remaining lifetime (lifetime EAD); </p></li><li>\n<p>LGD represents a.s.r.\u2019s expectation of the extent of the loss on a defaulted exposure. LGD varies by type of counterparty, type and seniority of the claim, and availability of collateral or other credit support. LGD is expressed as a percentage loss per unit of exposure at the time of default (EAD). LGD is calculated on a 12-month or lifetime basis, where the 12-month LGD is the percentage of loss expected to be made if the default occurs in the next 12 months, and the lifetime LGD is the percentage of loss expected to be made if the default occurs over the remaining expected lifetime of the loan. </p></li></ul>\n<p>A pervasive concept in measuring ECL is that it should consider forward-looking information. a.s.r. has performed historical analyses to identify the key economic variables impacting credit risk and expected credit losses for each portfolio. Expert judgment was also applied in this process. </p>\n<p>a.s.r. employs separate models to calculate ECL on the following asset classes: </p><ul><li>\n<p>Mortgage loans; </p></li><li>\n<p>Consumer loans; </p></li><li>\n<p>SME loans; and </p></li><li>\n<p>Debt securities. </p></li></ul>\n<p>Debt securities are covered by a single model because these portfolios are all managed in a similar fashion. Asset classes not covered by the ECL calculations are considered either to have immaterial credit risk or to be short-term in nature. Given the need to adapt the models to the different portfolio characteristics, all ECL models use different key judgments and assumptions. </p>\n<p>The following tables show the changes in the loss allowance between the beginning and end of the year due to these factors (excluding Other financial assets at amortised cost): </p>\n<h3 class=\"table-title\">Government and corporate bonds measured at FVOCI </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:auto;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;\"><b>2023 </b></th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Stage 1 <br/>(12-month ECL) </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Stage 2 <br/>(Lifetime ECL) </b></th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Stage 3 <br/>(Lifetime ECL) </b></th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Total </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">At 1 January </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Changes in the composition of the group </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Loss allowance at 31 December </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>1 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>1 </b></td></tr></tbody></table> <br/>\n<h3 class=\"table-title\">Mortgage loans measured at amortised cost </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:auto;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;\"><b>2023 </b></th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Stage 1 <br/>(12-month ECL) </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Stage 2 <br/>(Lifetime ECL) </b></th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Stage 3 <br/>(Lifetime ECL) </b></th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Total </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">At 1 January </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Stage transfers </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-1 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-1 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Changes in models/risk parameters </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-1 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Changes in the composition of the group </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">3 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">4 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Loss allowance at 31 December </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>1 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>1 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>3 </b></td></tr></tbody></table> <br/>\n<h3 class=\"table-title\">Private loans measured at amortised cost </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:auto;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;\"><b>2023 </b></th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Stage 1 <br/>(12-month ECL) </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Stage 2 <br/>(Lifetime ECL) </b></th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Stage 3 <br/>(Lifetime ECL) </b></th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Purchased or Originated Credit-Impaired </b></th><th class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Total </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">At 1 January </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Stage transfers </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-4 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">3 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Net remeasurement of loss allowance </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">3 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Repayments </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-1 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-1 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-1 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-3 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Changes in models/risk parameters </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-1 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-1 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-1 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Changes in the composition of the group </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">6 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">6 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Other changes </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-1 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-1 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Loss allowance at 31 December </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>2 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>1 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>2 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>5 </b></td></tr></tbody></table> <br/>\n<p>The total of undiscounted ECL at initial recognition for purchased or originated credit-impaired financial assets recognised during 2023 amounts to \u20ac\u00a00 million. </p>\n<p>The following tables further specify the changes in gross carrying amounts to help explain their significance for the changes in the loss allowance for the same portfolios as discussed above. The gross carrying amounts in these tables are the clean values, thus excluding the accrued interest. </p>\n<h3 class=\"table-title\">Government and corporate bonds measured at FVOCI </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:auto;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;\"><b>2023 </b></th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Stage 1 <br/>(12-month ECL) </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Stage 2 <br/>(Lifetime ECL) </b></th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Stage 3 <br/>(Lifetime ECL) </b></th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Total </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">At 1 January </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Repayments </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-70 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-70 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Disposals </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-45 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-45 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Changes in the composition of the group </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">970 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">970 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Other changes </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">18 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">18 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Gross carrying amount at 31 December </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>874 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>874 </b></td></tr></tbody></table> <br/>\n<h3 class=\"table-title\">Mortgage loans measured at amortised cost </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:auto;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;\"><b>2023 </b></th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Stage 1 <br/>(12-month ECL) </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Stage 2 <br/>(Lifetime ECL) </b></th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Stage 3 <br/>(Lifetime ECL) </b></th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Total </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">At 1 January </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Stage transfers </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">506 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-510 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">4 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Purchases and originations </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">964 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">14 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">979 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Repayments </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-538 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-48 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-1 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-586 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Changes in the composition of the group </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">12,763 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">957 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">14 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">13,734 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Other changes </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">425 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">425 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Gross carrying amount at 31 December </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>14,121 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>414 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>18 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>14,552 </b></td></tr></tbody></table> <br/>\n<h3 class=\"table-title\">Private loans measured at amortised cost </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:auto;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;\"><b>2023 </b></th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Stage 1 <br/>(12-month ECL) </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Stage 2 <br/>(Lifetime ECL) </b></th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Stage 3 <br/>(Lifetime ECL) </b></th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Purchased or Originated Credit-Impaired </b></th><th class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Total </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">At 1 January </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Stage transfers </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-33 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">29 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">4 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Purchases and originations </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">5 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">5 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Repayments </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-42 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-14 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">3 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-7 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-60 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Changes in the composition of the group </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">236 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">10 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">246 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Other changes </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-1 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-1 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-2 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Gross carrying amount at 31 December </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>164 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>15 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>6 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>3 </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>188 </b></td></tr></tbody></table> <br/>\n<h1 class=\"S_PARAGRAPH\" id=\"n1288437\"><span class=\"number\">7.8.5 </span><span class=\"title-text\">Liquidity risk </span></h1>\n<p>Liquidity risk is the risk that a.s.r. is not able to meet its financial obligations to policyholders and other creditors when they become due and payable, at a reasonable cost and in a timely manner. Liquidity risk is not quantified in the SCR of a.s.r. and is therefore separately discussed. </p>\n<p>a.s.r. recognises different levels of liquidity management. First, short-term liquidity management which covers the day-to-day cash requirements and aims to meet short term liquidity risk targets. Second level covers the long-term liquidity management. This, among others, considers the strategic matching of liquidity &amp; funding needs in different business conditions in which market liquidity risk could materialise. Finally stress liquidity management refers to the ability to respond to a potential crisis situation as a result of a market event and/or an a.s.r.-specific event. </p>\n<p>Since market interest rates started rising in 2022, a.s.r. experienced liquidity outflow as a result of cash variation margin outflow related to the ISDA/CSA- and Clearing agreements of derivatives. The cash outflow was financed by returning earlier received cash collateral to counterparties and by liquidating assets. As at 31 December 2023 a.s.r. is a net receiver of cash collateral. Other sources of liquidity risk are (unexpected) lapses in the insurance portfolios and catastrophe risk. a.s.r. monitors its liquidity risk via different risk reporting and monitoring processes including cash management reports, cash flow forecasts, liquidity stress tests and liquidity dashboards in which liquidity outflows are calculated for different (stress) scenarios. For long-term liquidity management purposes, liquidity is also taken into account in the asset allocation process. </p>\n<p>a.s.r.\u2019s liquidity management principle consists of three components. First, a well-diversified funding base in order to provide liquidity for cash management purposes. A portion of assets must be held in cash and invested in unencumbered marketable securities so it can be used for collateralised borrowing or asset sales. In order to cover liquidity needs in stress events a.s.r. has committed repo-facilities in place to ensure liquidity under all market circumstances. Second, the strategic asset allocation should reflect the expected and contingent liquidity needs of liabilities. Finally, an adequate and up-to-date liquidity policy and contingency plan are in place to enable management to act effectively and efficiently in times of crisis. </p>\n<p>In managing the liquidity risk from financial liabilities, a.s.r. relies on holding liquid assets comprising cash and cash equivalents and investment grade securities for which there is an active and liquid market. These assets can be readily sold or lend to meet liquidity requirements. As at 31 December 2023, a.s.r. had cash (\u20ac\u00a04,140 million), short-term secured deposits (\u20ac\u00a0882 million) and liquid government bonds (\u20ac\u00a016,068 million). </p>\n<p>The following table shows the contractual undiscounted cash flows of the insurance liabilities based on Solvency II. All other line items as well as the total carrying value are based on IFRS principles. </p>\n<p>The insurance liabilities include the impact of expected lapses and mortality as well as non profit sharing cash flows. Profit sharing cash flows of insurance liabilities are not taken into account, nor are equities, property and swaptions. Furthermore, cash flows of the pension benefit obligations are taken into account. </p>\n<h3 class=\"table-title\">Contractual cash flows </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:auto;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Payable on demand </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>&lt; 1 years </b></th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>1-5 years </b></th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>5-10 years </b></th><th class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>&gt; 10 years </b></th><th class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Carrying value </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>31 December 2023 </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Insurance liabilities </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">621 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">4,752 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">27,817 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">23,555 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">78,211 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">99,384 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Pension Benefit Obligation </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">122 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">999 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1,289 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">6,388 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">5,218 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Derivatives liabilities </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1,520 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,508 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,802 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">4,630 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">10,132 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Savings deposits </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">9,160 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">820 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1,048 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">525 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">470 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">12,022 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Financial liabilities </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,074 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">3,914 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">3,205 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1,422 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,544 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">13,137 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Future interest payments </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">100 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">537 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">563 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1,278 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>11,856 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>11,228 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>36,114 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>30,156 </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>93,521 </b></td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>139,894 </b></td></tr></tbody></table> <br/>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:auto;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Payable on demand </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>&lt; 1 years </b></th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>1-5 years </b></th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>5-10 years </b></th><th class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>&gt; 10 years </b></th><th class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Carrying value </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>31 December 2022 </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Insurance liabilities </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">5,234 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">10,236 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">9,845 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">34,294 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">42,103 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Pension Benefit Obligation </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">64 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">540 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">725 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">3,594 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2,742 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Derivatives liabilities </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">459 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2,608 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2,006 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,310 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">5,681 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Financial liabilities </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,770 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">576 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">53 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">74 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2,059 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">4,512 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Future interest payments </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">90 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">450 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">563 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,390 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>1,770 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>6,423 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>13,887 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>13,213 </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>42,647 </b></td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>55,039 </b></td></tr></tbody></table> <br/>\n<p>The insurance contract liabilities contractual cash flows for the period 1-5 years can be split into: 1-2 years \u20ac\u00a011,688 mln (2022 \u20ac\u00a03,188 million), 2-3 years \u20ac\u00a05,523 mln (2022 \u20ac\u00a02,450 million), 3-4 years \u20ac\u00a05,346 mln (2022 \u20ac\u00a02,381 million) and 4-5 years \u20ac\u00a05,260 mln (2022 \u20ac\u00a02,216 million). </p>\n<p>When the amount payable is not fixed the amount reported is determined by reference to the conditions existing at the reporting date. </p>\n<p>Financial liabilities payable on demand include the liability recognised for cash collateral received under ISDAs, concluded with counterparties. The related cash collateral received is recognised as cash and cash equivalents, and not part of the liquidity risk exposure table. </p>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfCollateralExplanatory",
    "language": "en",
    "entity": "scheme:7245000G0HS48PZWUD53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "ixv-649": {
   "value": "\n<div class=\"tanPageBreak start-node\"> </div>\n<h1 class=\"S_PARAGRAPH\" id=\"n1289368\"><span class=\"number\">7.5.5 </span><span class=\"title-text\">Investments </span></h1>\n<p>See accounting policy <a href=\"#n1286373\" title=\"E. Financial assets and financial liabilities\">E</a>. </p>\n<h3 class=\"table-title\">Investments </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:0%;\"/><col style=\"width:16%;\"/><col style=\"width:16%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-left border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;\"><b>31 December 2023 </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>31 December 2022 </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">At FVTPL </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">74,380 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">39,031 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">At FVOCI </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">3,312 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2,046 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">At amortised cost </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">14,775 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total investments </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>92,466 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>41,077 </b></td></tr></tbody></table> <br/>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n1289414\"><span class=\"number\">7.5.5.1 </span><span class=\"title-text\">Investments at FVTPL </span></h1>\n<h3 class=\"table-title\">Investments at FVTPL </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:0%;\"/><col style=\"width:16%;\"/><col style=\"width:16%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>31 December 2023 </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>31 December 2022 </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Financial investments - transferred under repurchase agreements </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Government bonds </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">213 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">437 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Financial investments - own risk </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Real estate equity funds </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">5,380 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">4,092 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Mortgage equity funds </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">997 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,008 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Debt equity funds </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">772 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Government bonds </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">15,854 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">8,872 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Corporate bonds </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">9,948 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">7,272 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Asset-backed securities </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">3,013 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">413 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Other investment funds </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,153 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,605 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Equities </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">247 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">67 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Mortgage loans </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">24,494 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">9,074 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Private loans </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">11,309 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">6,191 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total investments at FVTPL </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>74,380 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>39,031 </b></td></tr></tbody></table> <br/>\n<p>Investments at FVTPL mainly increased due to the assets acquired through the acquisition of Aegon NL (see <a href=\"#n1287134\" title=\"Acquisitions\">chapter 7.4.5</a>). Government bonds were sold to finance the acquisition of Aegon NL. Private loans increased mainly due to new reverse repurchase agreements. </p>\n<p>Private loans consists for \u20ac\u00a02,285 million (2022: \u20ac\u00a02,293 million) of savings-linked mortgage loans. The claim related to cash collateral paid on derivative instruments, included in private loans, amounts to \u20ac\u00a01,091 million (2022: \u20ac\u00a01,633 million). </p>\n<p>a.s.r. has bonds amounting to \u20ac\u00a03,483 million (2022: \u20ac\u00a03,237 million), shares amounting to \u20ac\u00a024 million (2022: nil) and cash amounting to \u20ac\u00a0750 million (2022: \u20ac\u00a0600 million) (see <a href=\"#n1289562\" title=\"Cash and cash equivalents\">chapter 7.5.10</a>) that have been transferred, but do not qualify for derecognition. The majority of these investments are part of a securities lending programme whereby the investments are lent in exchange for a fee with collateral obtained as a security. The collateral furnished as security representing a fair value of \u20ac\u00a05,067 million (2022: \u20ac\u00a04,914 million) consists of mortgage loans and corporate and government bonds. See accounting policy <a href=\"#n1286598\" title=\"M. Securities lending\">M</a> about securities lending. </p>\n<p>For the real estate equity funds and mortgage equity funds for which a.s.r. has significant influence the exemption of IAS 28 was used, thereby measuring the investments at FVTPL and presenting them as a separate category within the investments at FVTPL. For a breakdown of the real estate equity funds and mortgage equity fund, see <a href=\"#n1289341\" title=\"Associates and joint ventures\">chapter 7.5.4</a>. </p>\n<p>At year-end 2023 and 2022, debt instruments at FVTPL consisted entirely of investments mandatorily measured as such. </p>\n<p>Based on their contractual maturity, an amount of \u20ac\u00a057,936 million (2022: \u20ac\u00a026,993 million) of fixed income investments is expected to be recovered after more than one year after the balance sheet date. For assets without a contractual maturity date, it is expected that they will be recovered after more than one year after the balance sheet date. </p>\n<p>For more detailed information about the fair value valuation of the investments, see <a href=\"#n1285236\" title=\"Fair value of assets and liabilities\">chapter 7.7.1. </a></p>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n1289391\"><span class=\"number\">7.5.5.2 </span><span class=\"title-text\">Investments at FVOCI </span></h1>\n<h3 class=\"table-title\">Investments at FVOCI </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:0%;\"/><col style=\"width:16%;\"/><col style=\"width:16%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>31 December 2023 </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>31 December 2022 </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Government bonds </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">359 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Corporate bonds </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">521 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Equities </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,348 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,743 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Preference shares </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">79 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">297 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Other participating contracts </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">5 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">6 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total investments at FVOCI </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>3,312 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>2,046 </b></td></tr></tbody></table> <br/>\n<p>Investments at FVOCI mainly increased due to the assets acquired through the acquisition of Aegon NL (see <a href=\"#n1287134\" title=\"Acquisitions\">chapter 7.4.5</a>). </p>\n<p>a.s.r. sold equity instruments held at FVOCI for an amount of \u20ac\u00a0953 million (2022: \u20ac\u00a0772 million ) in the ordinary course of business. The sales resulted in a gain of \u20ac\u00a085 million (2022: gain \u20ac\u00a0140 million). </p>\n<p>Based on their contractual maturity, an amount of \u20ac\u00a0522 million (2022: nil) of debt instruments is expected to be recovered after more than one year after the balance sheet date. For assets without a contractual maturity date, it is expected that they will be recovered after more than one year after the balance sheet date. </p>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n1289441\"><span class=\"number\">7.5.5.3 </span><span class=\"title-text\">Investments at amortised cost </span></h1>\n<h3 class=\"table-title\">Investments at amortised cost </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:0%;\"/><col style=\"width:16%;\"/><col style=\"width:16%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>31 December 2023 </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>31 December 2022 </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Mortgage loans </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">14,590 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Private loans </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">185 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total investments at amortised cost </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>14,775 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td></tr></tbody></table> <br/>\n<p>Investments at amortised costs increased due to the assets acquired through the acquisition of Aegon NL (see <a href=\"#n1287134\" title=\"Acquisitions\">chapter 7.4.5</a>). </p>\n<p>Certain mortgage loans shown within the category investments at amortised cost are designated in portfolio fair value interest rate hedging relationships, and are fair valued with respect to the hedged interest rate. For 2023, this resulted in a higher carrying value of \u20ac\u00a0289 million (2022: nil). None of the financial assets has been reclassified during the financial year. </p>\n<p>Based on their contractual maturity, an amount of \u20ac\u00a013,929 million (2022: nil) of debt instruments is expected to be recovered after more than one year after the balance sheet date. For assets without a contractual maturity date, it is expected that they will be recovered after more than one year after the balance sheet date. </p>\n<h1 class=\"S_PARAGRAPH\" id=\"n1289537\"><span class=\"number\">7.5.9 </span><span class=\"title-text\">Other assets </span></h1>\n<p>See <a href=\"#n1286689\" title=\"Q. Other assets\">accounting policy Q</a>. </p>\n<h3 class=\"table-title\">Other assets </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:0%;\"/><col style=\"width:14%;\"/><col style=\"width:14%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">31 December 2023 </th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">31 December 2022 </th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Financial assets </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Due from customers </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">17 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">16 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Other receivables </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1,109 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">234 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Impairments </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-34 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-4 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>1,092 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>247 </b></td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Non-financial assets </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Taxes receivable </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">68 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">120 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Prepaid costs </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">30 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">7 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Property developments </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">27 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">30 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Other non-financial assets </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">48 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">55 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>172 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>213 </b></td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total other assets </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>1,265 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>460 </b></td></tr></tbody></table> <br/>\n<p>The increase in other receivables is mainly due to the acquisition of Aegon NL, see <a href=\"#n1287134\" title=\"Acquisitions\">chapter 7.4.5</a>. </p>\n<h3 class=\"table-title\">Changes in impairments </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:auto;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>2023 </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>2022 </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">At 1 January </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-4 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-5 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Increase in impairment through profit and loss </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-22 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Reversal of impairment through profit and loss </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Reversal of impairment due to disposal </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">25 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Other </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Changes in the composition of the group </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-34 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>At 31 December </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-34 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-4 </b></td></tr></tbody></table> <br/>\n<p>Changes in the composition of the group relates to the assets acquired through the acquisition of Aegon NL, see <a href=\"#n1287134\" title=\"Acquisitions\">chapter 7.4.5</a>. </p>\n<p>An amount of \u20ac\u00a01,237 million (2022: \u20ac\u00a0423 million) of other assets is expected to be recovered less than or equal to one year after the balance sheet date. </p>\n<h1 class=\"S_PARAGRAPH\" id=\"n1289562\"><span class=\"number\">7.5.10 </span><span class=\"title-text\">Cash and cash equivalents </span></h1>\n<p>See <a href=\"#n1286711\" title=\"R. Cash and cash equivalents\">accounting policy R</a>. </p>\n<h3 class=\"table-title\">Cash and cash equivalents </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:0%;\"/><col style=\"width:14%;\"/><col style=\"width:14%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>31 December 2023 </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>31 December 2022 </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Due from banks </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">4,681 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,645 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Due from banks falling due within three months </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">3,229 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">601 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total cash and cash equivalents </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>7,910 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>2,246 </b></td></tr></tbody></table> <br/>\n<p>a.s.r. has cash amounting to \u20ac\u00a03.229 million (2022: \u20ac\u00a0601 million) that has been transferred as part of a securities lending programme, but does not qualify for derecognition. For more information see <a href=\"#n1289391\" title=\"Investments at FVOCI\">chapter 7.5.5.1</a>. </p>\n<p>Cash and cash equivalents include cash and demand balances held at DNB. DNB requires Knab to place 1% of their deposits with agreed maturity or the savings accounts (without restrictions to withdraw their money) in an account with DNB. These deposits are not freely available. This so-called minimum reserve is renewed each maintenance period consisting of approximately 6 weeks. An interest of 2,2% is received on this minimum reserve (2022: 2,5%). </p>\n<h3 class=\"table-title\">Deposit with DNB </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:auto;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>2023 </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>2022 </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Average balance on deposit with DNB at year-end </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">70 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">198 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Average minimum required balance on deposit by DNB for year-end </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">84 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">82 </td></tr></tbody></table> <br/>\n<p>All other cash and cash equivalents are freely available. The cash components include \u20ac\u00a02,824 million (2022: \u20ac\u00a0249 million) related to cash collateral received on derivative instruments and is managed separately from other cash equivalents. </p>\n<p>The claim related to cash collateral paid on derivative instruments is included in the amount loans to credit institutions (see <a href=\"#n1289414\" title=\"Investments at FVTPL\">chapter 7.5.5.2</a>). Debt related to cash collateral received on derivatives instruments is included in the amount due to banks (see <a href=\"#n1289216\" title=\"Due to banks\">chapter 7.5.19</a>). </p>\n<p>Interest expenses on cash collateral is mainly based on \u20acSTR (2022: \u20acSTR). </p>\n<div class=\"tanPageBreak newPage\"> </div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfDebtSecuritiesExplanatory",
    "language": "en",
    "entity": "scheme:7245000G0HS48PZWUD53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "ixv-650": {
   "value": "\n<div class=\"tanPageBreak start-node\"> </div>\n<h1 class=\"S_PARAGRAPH\" id=\"n1289368\"><span class=\"number\">7.5.5 </span><span class=\"title-text\">Investments </span></h1>\n<p>See accounting policy <a href=\"#n1286373\" title=\"E. Financial assets and financial liabilities\">E</a>. </p>\n<h3 class=\"table-title\">Investments </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:0%;\"/><col style=\"width:16%;\"/><col style=\"width:16%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-left border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;\"><b>31 December 2023 </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>31 December 2022 </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">At FVTPL </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">74,380 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">39,031 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">At FVOCI </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">3,312 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2,046 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">At amortised cost </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">14,775 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total investments </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>92,466 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>41,077 </b></td></tr></tbody></table> <br/>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n1289414\"><span class=\"number\">7.5.5.1 </span><span class=\"title-text\">Investments at FVTPL </span></h1>\n<h3 class=\"table-title\">Investments at FVTPL </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:0%;\"/><col style=\"width:16%;\"/><col style=\"width:16%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>31 December 2023 </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>31 December 2022 </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Financial investments - transferred under repurchase agreements </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Government bonds </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">213 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">437 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Financial investments - own risk </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Real estate equity funds </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">5,380 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">4,092 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Mortgage equity funds </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">997 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,008 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Debt equity funds </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">772 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Government bonds </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">15,854 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">8,872 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Corporate bonds </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">9,948 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">7,272 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Asset-backed securities </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">3,013 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">413 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Other investment funds </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,153 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,605 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Equities </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">247 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">67 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Mortgage loans </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">24,494 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">9,074 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Private loans </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">11,309 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">6,191 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total investments at FVTPL </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>74,380 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>39,031 </b></td></tr></tbody></table> <br/>\n<p>Investments at FVTPL mainly increased due to the assets acquired through the acquisition of Aegon NL (see <a href=\"#n1287134\" title=\"Acquisitions\">chapter 7.4.5</a>). Government bonds were sold to finance the acquisition of Aegon NL. Private loans increased mainly due to new reverse repurchase agreements. </p>\n<p>Private loans consists for \u20ac\u00a02,285 million (2022: \u20ac\u00a02,293 million) of savings-linked mortgage loans. The claim related to cash collateral paid on derivative instruments, included in private loans, amounts to \u20ac\u00a01,091 million (2022: \u20ac\u00a01,633 million). </p>\n<p>a.s.r. has bonds amounting to \u20ac\u00a03,483 million (2022: \u20ac\u00a03,237 million), shares amounting to \u20ac\u00a024 million (2022: nil) and cash amounting to \u20ac\u00a0750 million (2022: \u20ac\u00a0600 million) (see <a href=\"#n1289562\" title=\"Cash and cash equivalents\">chapter 7.5.10</a>) that have been transferred, but do not qualify for derecognition. The majority of these investments are part of a securities lending programme whereby the investments are lent in exchange for a fee with collateral obtained as a security. The collateral furnished as security representing a fair value of \u20ac\u00a05,067 million (2022: \u20ac\u00a04,914 million) consists of mortgage loans and corporate and government bonds. See accounting policy <a href=\"#n1286598\" title=\"M. Securities lending\">M</a> about securities lending. </p>\n<p>For the real estate equity funds and mortgage equity funds for which a.s.r. has significant influence the exemption of IAS 28 was used, thereby measuring the investments at FVTPL and presenting them as a separate category within the investments at FVTPL. For a breakdown of the real estate equity funds and mortgage equity fund, see <a href=\"#n1289341\" title=\"Associates and joint ventures\">chapter 7.5.4</a>. </p>\n<p>At year-end 2023 and 2022, debt instruments at FVTPL consisted entirely of investments mandatorily measured as such. </p>\n<p>Based on their contractual maturity, an amount of \u20ac\u00a057,936 million (2022: \u20ac\u00a026,993 million) of fixed income investments is expected to be recovered after more than one year after the balance sheet date. For assets without a contractual maturity date, it is expected that they will be recovered after more than one year after the balance sheet date. </p>\n<p>For more detailed information about the fair value valuation of the investments, see <a href=\"#n1285236\" title=\"Fair value of assets and liabilities\">chapter 7.7.1. </a></p>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n1289391\"><span class=\"number\">7.5.5.2 </span><span class=\"title-text\">Investments at FVOCI </span></h1>\n<h3 class=\"table-title\">Investments at FVOCI </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:0%;\"/><col style=\"width:16%;\"/><col style=\"width:16%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>31 December 2023 </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>31 December 2022 </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Government bonds </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">359 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Corporate bonds </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">521 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Equities </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,348 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,743 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Preference shares </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">79 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">297 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Other participating contracts </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">5 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">6 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total investments at FVOCI </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>3,312 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>2,046 </b></td></tr></tbody></table> <br/>\n<p>Investments at FVOCI mainly increased due to the assets acquired through the acquisition of Aegon NL (see <a href=\"#n1287134\" title=\"Acquisitions\">chapter 7.4.5</a>). </p>\n<p>a.s.r. sold equity instruments held at FVOCI for an amount of \u20ac\u00a0953 million (2022: \u20ac\u00a0772 million ) in the ordinary course of business. The sales resulted in a gain of \u20ac\u00a085 million (2022: gain \u20ac\u00a0140 million). </p>\n<p>Based on their contractual maturity, an amount of \u20ac\u00a0522 million (2022: nil) of debt instruments is expected to be recovered after more than one year after the balance sheet date. For assets without a contractual maturity date, it is expected that they will be recovered after more than one year after the balance sheet date. </p>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n1289441\"><span class=\"number\">7.5.5.3 </span><span class=\"title-text\">Investments at amortised cost </span></h1>\n<h3 class=\"table-title\">Investments at amortised cost </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:0%;\"/><col style=\"width:16%;\"/><col style=\"width:16%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>31 December 2023 </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>31 December 2022 </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Mortgage loans </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">14,590 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Private loans </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">185 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total investments at amortised cost </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>14,775 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td></tr></tbody></table> <br/>\n<p>Investments at amortised costs increased due to the assets acquired through the acquisition of Aegon NL (see <a href=\"#n1287134\" title=\"Acquisitions\">chapter 7.4.5</a>). </p>\n<p>Certain mortgage loans shown within the category investments at amortised cost are designated in portfolio fair value interest rate hedging relationships, and are fair valued with respect to the hedged interest rate. For 2023, this resulted in a higher carrying value of \u20ac\u00a0289 million (2022: nil). None of the financial assets has been reclassified during the financial year. </p>\n<p>Based on their contractual maturity, an amount of \u20ac\u00a013,929 million (2022: nil) of debt instruments is expected to be recovered after more than one year after the balance sheet date. For assets without a contractual maturity date, it is expected that they will be recovered after more than one year after the balance sheet date. </p>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfDepositsFromBanksExplanatory",
    "language": "en",
    "entity": "scheme:7245000G0HS48PZWUD53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "ixv-651": {
   "value": "\n<div class=\"tanPageBreak start-node\"> </div>\n<h1 class=\"S_PARAGRAPH\" id=\"n1289368\"><span class=\"number\">7.5.5 </span><span class=\"title-text\">Investments </span></h1>\n<p>See accounting policy <a href=\"#n1286373\" title=\"E. Financial assets and financial liabilities\">E</a>. </p>\n<h3 class=\"table-title\">Investments </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:0%;\"/><col style=\"width:16%;\"/><col style=\"width:16%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-left border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;\"><b>31 December 2023 </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>31 December 2022 </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">At FVTPL </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">74,380 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">39,031 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">At FVOCI </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">3,312 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2,046 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">At amortised cost </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">14,775 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total investments </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>92,466 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>41,077 </b></td></tr></tbody></table> <br/>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n1289414\"><span class=\"number\">7.5.5.1 </span><span class=\"title-text\">Investments at FVTPL </span></h1>\n<h3 class=\"table-title\">Investments at FVTPL </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:0%;\"/><col style=\"width:16%;\"/><col style=\"width:16%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>31 December 2023 </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>31 December 2022 </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Financial investments - transferred under repurchase agreements </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Government bonds </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">213 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">437 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Financial investments - own risk </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Real estate equity funds </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">5,380 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">4,092 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Mortgage equity funds </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">997 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,008 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Debt equity funds </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">772 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Government bonds </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">15,854 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">8,872 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Corporate bonds </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">9,948 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">7,272 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Asset-backed securities </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">3,013 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">413 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Other investment funds </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,153 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,605 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Equities </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">247 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">67 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Mortgage loans </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">24,494 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">9,074 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Private loans </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">11,309 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">6,191 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total investments at FVTPL </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>74,380 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>39,031 </b></td></tr></tbody></table> <br/>\n<p>Investments at FVTPL mainly increased due to the assets acquired through the acquisition of Aegon NL (see <a href=\"#n1287134\" title=\"Acquisitions\">chapter 7.4.5</a>). Government bonds were sold to finance the acquisition of Aegon NL. Private loans increased mainly due to new reverse repurchase agreements. </p>\n<p>Private loans consists for \u20ac\u00a02,285 million (2022: \u20ac\u00a02,293 million) of savings-linked mortgage loans. The claim related to cash collateral paid on derivative instruments, included in private loans, amounts to \u20ac\u00a01,091 million (2022: \u20ac\u00a01,633 million). </p>\n<p>a.s.r. has bonds amounting to \u20ac\u00a03,483 million (2022: \u20ac\u00a03,237 million), shares amounting to \u20ac\u00a024 million (2022: nil) and cash amounting to \u20ac\u00a0750 million (2022: \u20ac\u00a0600 million) (see <a href=\"#n1289562\" title=\"Cash and cash equivalents\">chapter 7.5.10</a>) that have been transferred, but do not qualify for derecognition. The majority of these investments are part of a securities lending programme whereby the investments are lent in exchange for a fee with collateral obtained as a security. The collateral furnished as security representing a fair value of \u20ac\u00a05,067 million (2022: \u20ac\u00a04,914 million) consists of mortgage loans and corporate and government bonds. See accounting policy <a href=\"#n1286598\" title=\"M. Securities lending\">M</a> about securities lending. </p>\n<p>For the real estate equity funds and mortgage equity funds for which a.s.r. has significant influence the exemption of IAS 28 was used, thereby measuring the investments at FVTPL and presenting them as a separate category within the investments at FVTPL. For a breakdown of the real estate equity funds and mortgage equity fund, see <a href=\"#n1289341\" title=\"Associates and joint ventures\">chapter 7.5.4</a>. </p>\n<p>At year-end 2023 and 2022, debt instruments at FVTPL consisted entirely of investments mandatorily measured as such. </p>\n<p>Based on their contractual maturity, an amount of \u20ac\u00a057,936 million (2022: \u20ac\u00a026,993 million) of fixed income investments is expected to be recovered after more than one year after the balance sheet date. For assets without a contractual maturity date, it is expected that they will be recovered after more than one year after the balance sheet date. </p>\n<p>For more detailed information about the fair value valuation of the investments, see <a href=\"#n1285236\" title=\"Fair value of assets and liabilities\">chapter 7.7.1. </a></p>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n1289391\"><span class=\"number\">7.5.5.2 </span><span class=\"title-text\">Investments at FVOCI </span></h1>\n<h3 class=\"table-title\">Investments at FVOCI </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:0%;\"/><col style=\"width:16%;\"/><col style=\"width:16%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>31 December 2023 </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>31 December 2022 </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Government bonds </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">359 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Corporate bonds </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">521 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Equities </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,348 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,743 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Preference shares </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">79 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">297 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Other participating contracts </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">5 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">6 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total investments at FVOCI </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>3,312 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>2,046 </b></td></tr></tbody></table> <br/>\n<p>Investments at FVOCI mainly increased due to the assets acquired through the acquisition of Aegon NL (see <a href=\"#n1287134\" title=\"Acquisitions\">chapter 7.4.5</a>). </p>\n<p>a.s.r. sold equity instruments held at FVOCI for an amount of \u20ac\u00a0953 million (2022: \u20ac\u00a0772 million ) in the ordinary course of business. The sales resulted in a gain of \u20ac\u00a085 million (2022: gain \u20ac\u00a0140 million). </p>\n<p>Based on their contractual maturity, an amount of \u20ac\u00a0522 million (2022: nil) of debt instruments is expected to be recovered after more than one year after the balance sheet date. For assets without a contractual maturity date, it is expected that they will be recovered after more than one year after the balance sheet date. </p>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n1289441\"><span class=\"number\">7.5.5.3 </span><span class=\"title-text\">Investments at amortised cost </span></h1>\n<h3 class=\"table-title\">Investments at amortised cost </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:0%;\"/><col style=\"width:16%;\"/><col style=\"width:16%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>31 December 2023 </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>31 December 2022 </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Mortgage loans </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">14,590 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Private loans </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">185 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total investments at amortised cost </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>14,775 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td></tr></tbody></table> <br/>\n<p>Investments at amortised costs increased due to the assets acquired through the acquisition of Aegon NL (see <a href=\"#n1287134\" title=\"Acquisitions\">chapter 7.4.5</a>). </p>\n<p>Certain mortgage loans shown within the category investments at amortised cost are designated in portfolio fair value interest rate hedging relationships, and are fair valued with respect to the hedged interest rate. For 2023, this resulted in a higher carrying value of \u20ac\u00a0289 million (2022: nil). None of the financial assets has been reclassified during the financial year. </p>\n<p>Based on their contractual maturity, an amount of \u20ac\u00a013,929 million (2022: nil) of debt instruments is expected to be recovered after more than one year after the balance sheet date. For assets without a contractual maturity date, it is expected that they will be recovered after more than one year after the balance sheet date. </p>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfDepositsFromCustomersExplanatory",
    "language": "en",
    "entity": "scheme:7245000G0HS48PZWUD53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "ixv-652": {
   "value": "\n<div class=\"tanPageBreak start-node\"> </div>\n<h1 class=\"S_PARAGRAPH\" id=\"n1289368\"><span class=\"number\">7.5.5 </span><span class=\"title-text\">Investments </span></h1>\n<p>See accounting policy <a href=\"#n1286373\" title=\"E. Financial assets and financial liabilities\">E</a>. </p>\n<h3 class=\"table-title\">Investments </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:0%;\"/><col style=\"width:16%;\"/><col style=\"width:16%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-left border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;\"><b>31 December 2023 </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>31 December 2022 </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">At FVTPL </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">74,380 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">39,031 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">At FVOCI </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">3,312 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2,046 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">At amortised cost </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">14,775 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total investments </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>92,466 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>41,077 </b></td></tr></tbody></table> <br/>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n1289414\"><span class=\"number\">7.5.5.1 </span><span class=\"title-text\">Investments at FVTPL </span></h1>\n<h3 class=\"table-title\">Investments at FVTPL </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:0%;\"/><col style=\"width:16%;\"/><col style=\"width:16%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>31 December 2023 </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>31 December 2022 </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Financial investments - transferred under repurchase agreements </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Government bonds </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">213 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">437 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Financial investments - own risk </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Real estate equity funds </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">5,380 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">4,092 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Mortgage equity funds </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">997 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,008 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Debt equity funds </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">772 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Government bonds </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">15,854 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">8,872 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Corporate bonds </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">9,948 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">7,272 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Asset-backed securities </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">3,013 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">413 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Other investment funds </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,153 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,605 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Equities </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">247 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">67 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Mortgage loans </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">24,494 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">9,074 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Private loans </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">11,309 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">6,191 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total investments at FVTPL </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>74,380 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>39,031 </b></td></tr></tbody></table> <br/>\n<p>Investments at FVTPL mainly increased due to the assets acquired through the acquisition of Aegon NL (see <a href=\"#n1287134\" title=\"Acquisitions\">chapter 7.4.5</a>). Government bonds were sold to finance the acquisition of Aegon NL. Private loans increased mainly due to new reverse repurchase agreements. </p>\n<p>Private loans consists for \u20ac\u00a02,285 million (2022: \u20ac\u00a02,293 million) of savings-linked mortgage loans. The claim related to cash collateral paid on derivative instruments, included in private loans, amounts to \u20ac\u00a01,091 million (2022: \u20ac\u00a01,633 million). </p>\n<p>a.s.r. has bonds amounting to \u20ac\u00a03,483 million (2022: \u20ac\u00a03,237 million), shares amounting to \u20ac\u00a024 million (2022: nil) and cash amounting to \u20ac\u00a0750 million (2022: \u20ac\u00a0600 million) (see <a href=\"#n1289562\" title=\"Cash and cash equivalents\">chapter 7.5.10</a>) that have been transferred, but do not qualify for derecognition. The majority of these investments are part of a securities lending programme whereby the investments are lent in exchange for a fee with collateral obtained as a security. The collateral furnished as security representing a fair value of \u20ac\u00a05,067 million (2022: \u20ac\u00a04,914 million) consists of mortgage loans and corporate and government bonds. See accounting policy <a href=\"#n1286598\" title=\"M. Securities lending\">M</a> about securities lending. </p>\n<p>For the real estate equity funds and mortgage equity funds for which a.s.r. has significant influence the exemption of IAS 28 was used, thereby measuring the investments at FVTPL and presenting them as a separate category within the investments at FVTPL. For a breakdown of the real estate equity funds and mortgage equity fund, see <a href=\"#n1289341\" title=\"Associates and joint ventures\">chapter 7.5.4</a>. </p>\n<p>At year-end 2023 and 2022, debt instruments at FVTPL consisted entirely of investments mandatorily measured as such. </p>\n<p>Based on their contractual maturity, an amount of \u20ac\u00a057,936 million (2022: \u20ac\u00a026,993 million) of fixed income investments is expected to be recovered after more than one year after the balance sheet date. For assets without a contractual maturity date, it is expected that they will be recovered after more than one year after the balance sheet date. </p>\n<p>For more detailed information about the fair value valuation of the investments, see <a href=\"#n1285236\" title=\"Fair value of assets and liabilities\">chapter 7.7.1. </a></p>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n1289391\"><span class=\"number\">7.5.5.2 </span><span class=\"title-text\">Investments at FVOCI </span></h1>\n<h3 class=\"table-title\">Investments at FVOCI </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:0%;\"/><col style=\"width:16%;\"/><col style=\"width:16%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>31 December 2023 </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>31 December 2022 </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Government bonds </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">359 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Corporate bonds </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">521 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Equities </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,348 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,743 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Preference shares </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">79 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">297 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Other participating contracts </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">5 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">6 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total investments at FVOCI </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>3,312 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>2,046 </b></td></tr></tbody></table> <br/>\n<p>Investments at FVOCI mainly increased due to the assets acquired through the acquisition of Aegon NL (see <a href=\"#n1287134\" title=\"Acquisitions\">chapter 7.4.5</a>). </p>\n<p>a.s.r. sold equity instruments held at FVOCI for an amount of \u20ac\u00a0953 million (2022: \u20ac\u00a0772 million ) in the ordinary course of business. The sales resulted in a gain of \u20ac\u00a085 million (2022: gain \u20ac\u00a0140 million). </p>\n<p>Based on their contractual maturity, an amount of \u20ac\u00a0522 million (2022: nil) of debt instruments is expected to be recovered after more than one year after the balance sheet date. For assets without a contractual maturity date, it is expected that they will be recovered after more than one year after the balance sheet date. </p>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n1289441\"><span class=\"number\">7.5.5.3 </span><span class=\"title-text\">Investments at amortised cost </span></h1>\n<h3 class=\"table-title\">Investments at amortised cost </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:0%;\"/><col style=\"width:16%;\"/><col style=\"width:16%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>31 December 2023 </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>31 December 2022 </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Mortgage loans </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">14,590 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Private loans </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">185 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total investments at amortised cost </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>14,775 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td></tr></tbody></table> <br/>\n<p>Investments at amortised costs increased due to the assets acquired through the acquisition of Aegon NL (see <a href=\"#n1287134\" title=\"Acquisitions\">chapter 7.4.5</a>). </p>\n<p>Certain mortgage loans shown within the category investments at amortised cost are designated in portfolio fair value interest rate hedging relationships, and are fair valued with respect to the hedged interest rate. For 2023, this resulted in a higher carrying value of \u20ac\u00a0289 million (2022: nil). None of the financial assets has been reclassified during the financial year. </p>\n<p>Based on their contractual maturity, an amount of \u20ac\u00a013,929 million (2022: nil) of debt instruments is expected to be recovered after more than one year after the balance sheet date. For assets without a contractual maturity date, it is expected that they will be recovered after more than one year after the balance sheet date. </p>\n<h1 class=\"S_PARAGRAPH\" id=\"n1289464\"><span class=\"number\">7.5.6 </span><span class=\"title-text\">Investments related to direct participating insurance contracts </span></h1>\n<p>See accounting <a href=\"#n1286373\" title=\"E. Financial assets and financial liabilities\">policy E</a>. </p>\n<h3 class=\"table-title\">Investments related to direct participating insurance contracts </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:0%;\"/><col style=\"width:14%;\"/><col style=\"width:14%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">31 December 2023 </th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">31 December 2022 </th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Real estate equity funds </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">278 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">170 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-right-1\" style=\"text-align:left;vertical-align:bottom;\">Mortgage equity funds </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">271 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">252 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-right-1\" style=\"text-align:left;vertical-align:bottom;\">Debt equity funds </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">18 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-right-1\" style=\"text-align:left;vertical-align:bottom;\">Government bonds </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">6,013 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,543 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-right-1\" style=\"text-align:left;vertical-align:bottom;\">Corporate bonds </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,936 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,386 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-right-1\" style=\"text-align:left;vertical-align:bottom;\">Asset-backed securities </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">351 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-right-1\" style=\"text-align:left;vertical-align:bottom;\">Other investment funds </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1,197 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-right-1\" style=\"text-align:left;vertical-align:bottom;\">Derivatives </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">98 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-right-1\" style=\"text-align:left;vertical-align:bottom;\">Equities </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">14,252 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">6,486 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-right-1\" style=\"text-align:left;vertical-align:bottom;\">Mortgage loans </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1,357 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-right-1\" style=\"text-align:left;vertical-align:bottom;\">Private loans </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">208 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-right-1\" style=\"text-align:left;vertical-align:bottom;\">Other investments </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">3,375 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">76 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-right-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total investments related to direct participating insurance contracts </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>30,352 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>9,912 </b></td></tr></tbody></table> <br/>\n<p>Investments related to direct participating insurance contracts mainly increased due to the assets acquired through the acquisition of Aegon NL, see <a href=\"#n1287134\" title=\"Acquisitions\">chapter 7.4.5</a>. </p>\n<p>Investments related to direct participating insurance contracts are mandatorily measured at FVTPL. </p>\n<p>Direct participating insurance contracts are managed on behalf of policyholders on a fair value basis. Although individual instruments may (or may not) have a maturity depending on their nature, this does not impact the liquidity position <span style=\"white-space:nowrap;\">of a.s.r. </span></p>\n<h1 class=\"S_PARAGRAPH\" id=\"n1289488\"><span class=\"number\">7.5.7 </span><span class=\"title-text\">Derivatives </span></h1>\n<p>See accounting<a href=\"#n1286373\" title=\"E. Financial assets and financial liabilities\">policy E</a>. </p>\n<h3 class=\"table-title\">Derivatives </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:auto;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/></colgroup><thead>\n<tr style=\"border:none;\"><th class=\"startCol-1 endCol-1 valign-top border-right-1 headrow\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 colspan-2 headrow\" colspan=\"2\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;border-bottom:1px solid;\"><b>31 December 2023 </b></th><th class=\"startCol-4 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 colspan-2 headrow\" colspan=\"2\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;border-bottom:1px solid;\"><b>31 December 2022 </b></th></tr>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Asset </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Liability </b></th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Asset </b></th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Liability </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Derivatives not designated in a hedge </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">11,447 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">9,240 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">5,761 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">5,681 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Derivatives designated as fair value hedges </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1,461 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">892 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>12,907 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>10,132 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>5,761 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>5,681 </b></td></tr></tbody></table> <br/>\n<p>Derivatives consist primarily of derivatives used to hedge interest rate movements. Derivatives are classified mandatorily as FVTPL and changes in the fair value of derivatives at FVTPL are recorded in net fair value gains and (losses), see chapter <a href=\"#n1285996\" title=\"Net fair value gains and (losses)\">7.6.5</a>. </p>\n<p>Derivatives held for mortgage loans (Knab and Aegon hypotheken) are designated under fair value hedge accounting using the EU carve-out on hedge accounting, only net accounting ineffectiveness has an impact on the net result (for more information, see below under hedge accounting). </p>\n<p>a.s.r. trades both cleared and non-cleared derivatives on the basis of standardised contracts and exchanges cash variation margin with its counterparties. The derivatives are valued daily and cash collateral is exchanged to reflect the change in mark-to-market (MtM) of the derivatives. Because of this periodic margining process, counterparty risk on derivatives is negligible. </p>\n<p>In addition to the above variation margin obligations, there is also an initial margin obligation for central cleared derivatives which further reduces the risk of a.s.r. and its counterparties that they cannot fulfil their obligations. </p>\n<p>Notional amounts are not recognised as assets or liabilities in the balance sheet, however notional amounts are used in determining the fair value of the derivatives. Notional amounts do not reflect the potential gain or loss on a derivative transaction. </p>\n<h3 class=\"table-title\">Derivatives by type of instrument </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:0%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/></colgroup><thead>\n<tr style=\"border:none;\"><th class=\"startCol-1 endCol-1 valign-top border-right-1 headrow\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 colspan-3 headrow\" colspan=\"3\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;border-bottom:1px solid;\"><b>31 December 2023 </b></th><th class=\"startCol-5 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 colspan-3 headrow\" colspan=\"3\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;border-bottom:1px solid;\"><b>31 December 2022 </b></th></tr>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Asset </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Liability </b></th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Notional amount </b></th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Asset </b></th><th class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Liability </b></th><th class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Notional amount </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Foreign exchange contracts </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">57 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">116 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">4,936 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">80 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">29 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2,924 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Interest rate contracts </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">- Swaps </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">11,655 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">9,766 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">198,897 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">5,116 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">5,653 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">72,854 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">- Options </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">709 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">59 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">8,539 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">275 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2,781 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">- Futures </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">78 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">91 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">3,278 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">215 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,176 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Inflation linked swaps </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">358 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">21 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,794 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">44 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">290 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Equity index contracts </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">49 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">79 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">10,463 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">31 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">643 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Credit default swaps </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">45 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total derivatives </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>12,907 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>10,132 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>228,952 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>5,761 </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>5,681 </b></td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>80,667 </b></td></tr></tbody></table> <br/>\n<p>The derivatives do not include the derivatives relating to direct participating insurance contracts of \u20ac\u00a098 million (2022: nil). </p>\n<p>Derivatives increased due to the derivatives acquired through the acquisition of Aegon NL, see chapter <a href=\"#n1287134\" title=\"Acquisitions\">7.4.5</a>. In addition, derivatives increased primarily as a result of positive revaluations due to decreasing interest rates. </p>\n<p>In addition to the use of swaps and options a.s.r. manages interest rate risk by using bond forwards, included in interest rate contracts futures. </p>\n<p>The notional amounts of both receiver and payer swaps are included in the total notional amounts of foreign exchange contracts. </p>\n<p>The fair value of interest rate contracts is calculated by first determining the cash flows of the floating leg based on the Euribor-curve corresponding the interest reset period (3 months, 6 months or 12 months) of the swap. Then the net present value of the floating and fixed leg is determined by discounting the cash flows with the relevant curve (such as \u20acSTR, SOFR and SONIA). </p>\n<p>The fair value of the interest rate contracts using the above valuation method form the basis for the amount of collateral that is exchanged between a.s.r. and its counterparties in accordance with the underlying contracts. For more information see <a href=\"#n1287835\" title=\"Risk management\">chapter 7.8</a> on risk management. </p>\n<p>Of the derivatives \u20ac\u00a011,638 million assets (2022: \u20ac\u00a04,939 million) and \u20ac\u00a08,967 million liabilities (2022: \u20ac\u00a05,629 million) is expected to be recovered respectively settled more than one year after the balance sheet date. </p>\n<div class=\"header header-2\">Transition </div>\n<p>Throughout the world, a transition is taking place from interbank offered rates (IBORs) to alternative benchmarks. In the EU, the transition to alternative interest-rate benchmarks is governed by the Benchmark Regulation (BMR). Pursuant to the BMR, IBOR based contracts need to be amended to reference alternative rates or to be provided with a fallback option. </p>\n<p>The transition away from IBORs has mainly affected a.s.r.\u2019s derivative book, which is measured at fair value through profit or loss. Although most references under these derivatives remain BMR compliant, the Cash Collateral Interest Rate, and consequently discount rates, have required amendments towards Alternative Reference Rates (ARRs). </p>\n<p>In the past years, all relevant contracts referencing Ibors (except Euribor) have been amended to reflect ARRs. </p>\n<div class=\"header header-2\">Hedge accounting </div>\n<p>Macro fair value hedge accounting under the EU carve-out is applied by subsidiaries Knab and Aegon hypotheken (continuing practice post-acquisition). </p>\n<h3 class=\"table-title\">Derivatives designated as fair value hedges </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:auto;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>2023 </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>2022 </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Fair value changes mortgage loans recognised in profit or loss under EU carve-out </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">329 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><i>- </i></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Offset amount of fair value changes recognised on derivatives used as hedging instrument </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-326 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total accounting ineffectiveness under EU carve-out recognised in profit or loss </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>3 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td></tr></tbody></table> <br/>\n<h1 class=\"S_PARAGRAPH\" id=\"n1289537\"><span class=\"number\">7.5.9 </span><span class=\"title-text\">Other assets </span></h1>\n<p>See <a href=\"#n1286689\" title=\"Q. Other assets\">accounting policy Q</a>. </p>\n<h3 class=\"table-title\">Other assets </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:0%;\"/><col style=\"width:14%;\"/><col style=\"width:14%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">31 December 2023 </th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">31 December 2022 </th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Financial assets </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Due from customers </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">17 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">16 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Other receivables </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1,109 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">234 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Impairments </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-34 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-4 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>1,092 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>247 </b></td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Non-financial assets </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Taxes receivable </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">68 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">120 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Prepaid costs </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">30 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">7 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Property developments </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">27 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">30 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Other non-financial assets </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">48 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">55 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>172 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>213 </b></td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total other assets </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>1,265 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>460 </b></td></tr></tbody></table> <br/>\n<p>The increase in other receivables is mainly due to the acquisition of Aegon NL, see <a href=\"#n1287134\" title=\"Acquisitions\">chapter 7.4.5</a>. </p>\n<h3 class=\"table-title\">Changes in impairments </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:auto;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>2023 </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>2022 </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">At 1 January </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-4 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-5 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Increase in impairment through profit and loss </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-22 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Reversal of impairment through profit and loss </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Reversal of impairment due to disposal </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">25 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Other </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Changes in the composition of the group </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-34 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>At 31 December </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-34 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-4 </b></td></tr></tbody></table> <br/>\n<p>Changes in the composition of the group relates to the assets acquired through the acquisition of Aegon NL, see <a href=\"#n1287134\" title=\"Acquisitions\">chapter 7.4.5</a>. </p>\n<p>An amount of \u20ac\u00a01,237 million (2022: \u20ac\u00a0423 million) of other assets is expected to be recovered less than or equal to one year after the balance sheet date. </p>\n<h1 class=\"S_PARAGRAPH\" id=\"n1289562\"><span class=\"number\">7.5.10 </span><span class=\"title-text\">Cash and cash equivalents </span></h1>\n<p>See <a href=\"#n1286711\" title=\"R. Cash and cash equivalents\">accounting policy R</a>. </p>\n<h3 class=\"table-title\">Cash and cash equivalents </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:0%;\"/><col style=\"width:14%;\"/><col style=\"width:14%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>31 December 2023 </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>31 December 2022 </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Due from banks </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">4,681 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,645 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Due from banks falling due within three months </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">3,229 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">601 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total cash and cash equivalents </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>7,910 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>2,246 </b></td></tr></tbody></table> <br/>\n<p>a.s.r. has cash amounting to \u20ac\u00a03.229 million (2022: \u20ac\u00a0601 million) that has been transferred as part of a securities lending programme, but does not qualify for derecognition. For more information see <a href=\"#n1289391\" title=\"Investments at FVOCI\">chapter 7.5.5.1</a>. </p>\n<p>Cash and cash equivalents include cash and demand balances held at DNB. DNB requires Knab to place 1% of their deposits with agreed maturity or the savings accounts (without restrictions to withdraw their money) in an account with DNB. These deposits are not freely available. This so-called minimum reserve is renewed each maintenance period consisting of approximately 6 weeks. An interest of 2,2% is received on this minimum reserve (2022: 2,5%). </p>\n<h3 class=\"table-title\">Deposit with DNB </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:auto;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>2023 </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>2022 </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Average balance on deposit with DNB at year-end </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">70 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">198 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Average minimum required balance on deposit by DNB for year-end </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">84 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">82 </td></tr></tbody></table> <br/>\n<p>All other cash and cash equivalents are freely available. The cash components include \u20ac\u00a02,824 million (2022: \u20ac\u00a0249 million) related to cash collateral received on derivative instruments and is managed separately from other cash equivalents. </p>\n<p>The claim related to cash collateral paid on derivative instruments is included in the amount loans to credit institutions (see <a href=\"#n1289414\" title=\"Investments at FVTPL\">chapter 7.5.5.2</a>). Debt related to cash collateral received on derivatives instruments is included in the amount due to banks (see <a href=\"#n1289216\" title=\"Due to banks\">chapter 7.5.19</a>). </p>\n<p>Interest expenses on cash collateral is mainly based on \u20acSTR (2022: \u20acSTR). </p>\n<div class=\"tanPageBreak newPage\"> </div>\n<h1 class=\"S_PARAGRAPH\" id=\"n1288760\"><span class=\"number\">7.5.12 </span><span class=\"title-text\">Subordinated liabilities </span></h1>\n<p>See <a href=\"#n1286760\" title=\"T. Financing\">accounting policy T</a>. </p>\n<h3 class=\"table-title\">Subordinated liabilities </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:0%;\"/><col style=\"width:15%;\"/><col style=\"width:17%;\"/><col style=\"width:17%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Nominal amount </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Carrying value 2023 </b></th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Carrying value 2022 </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Hybrid Tier 2 instrument 5.125% fixed interest </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">500 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">506 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">505 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Hybrid Tier 2 instrument 3.375% fixed interest </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">500 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">507 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">506 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Hybrid Tier 2 instrument 7.000% fixed interest </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,000 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">992 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">994 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\"><b>Total subordinated liabilities </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>2,000 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>2,005 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>2,005 </b></td></tr></tbody></table> <br/>\n<p>In 2015, a.s.r. issued \u20ac\u00a0500 million subordinated liabilities in the form of Tier 2 notes, first callable on 29 September 2025, and maturing on 29 September 2045. The coupon is fixed at 5.125% and paid annually on 29 September with a step up at the first call date. </p>\n<p>In 2019 a.s.r. issued \u20ac\u00a0500 million subordinated liabilities in the form of Tier 2 notes. The bond has a maturity date of 2049 and is first callable 3 months before the first reset date of 2 May 2029. The coupon is fixed at 3.375% and paid annually on 2 May. After the reset date the interest is calculated based on the 5 Year Mid Swap Rate plus a margin of 4.00 per cent and updated once every five years. </p>\n<p>On 22 November 2022 a.s.r. issued \u20ac\u00a01 billion subordinated liabilities, qualified as Tier 2 notes, to partially finance the business combination with Aegon NL. The Tier 2 notes have a maturity date of 2043 and are first callable on 7 December 2033. The coupon is fixed at 7.000% and paid annually on 7 December. </p>\n<p>These notes are subordinated and ranking equally without any preference amongst themselves and (a) junior to the claims of all senior creditors of a.s.r., (b) equally with any parity obligations and (c) in priority to claims in respect of (i) any equity securities and (ii) any junior obligations. </p>\n<p>The subordinated liabilities are classified as liabilities given the obligation to settle the loans and pay the coupon. They are considered Tier 2 own funds for regulatory purposes. </p>\n<h1 class=\"S_PARAGRAPH\" id=\"n1289168\"><span class=\"number\">7.5.17 </span><span class=\"title-text\">Borrowings </span></h1>\n<p>See accounting policies <a href=\"#n1286760\" title=\"T. Financing\">T</a> and <a href=\"#n1286782\" title=\"U. Leasing\">U</a>. </p>\n<h3 class=\"table-title\">Borrowings </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:0%;\"/><col style=\"width:16%;\"/><col style=\"width:16%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">31 December 2023 </th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">31 December 2022 </th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Loans </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">6,295 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">126 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Lease liabilities </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">88 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">62 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total borrowings </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>6,384 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>188 </b></td></tr></tbody></table> <br/>\n<p>As at year-end, borrowings had the following terms to maturity: </p>\n<h3 class=\"table-title\">Maturity of borrowings </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:0%;\"/><col style=\"width:16%;\"/><col style=\"width:16%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">31 December 2023 </th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">31 December 2022 </th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Maturity - Falling due within 1 year </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1,233 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">20 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Maturity - Falling due between 1 and 5 years </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">3,204 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">54 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Maturity - Falling due after 5 years </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1,948 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">115 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Maturity borrowings </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>6,384 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>188 </b></td></tr></tbody></table> <br/>\n<p>Borrowings increased mainly due to the acquisition of Aegon NL, of which \u20ac\u00a0933 million are due to banks. At year-end 2023, the fair value of borrowings was \u20ac\u00a06,453 million (2022: \u20ac\u00a0185 million). For information regarding the fair value, see chapter <a href=\"#n1285283\" title=\"Financial assets and liabilities not measured at fair value\">7.7.1.2</a>. The average interest rate payable on loans was 6.01% (2022: 1.40%). The average incremental borrowing rate on the lease liabilities was 1.29% (2022 : 1.48%). </p>\n<p>On 13 July 2023, a.s.r. issued \u20ac\u00a0500 million in Residential Mortgage-Backed Security (RMBS) notes through a newly established securitisation programme called Delphinus 2023-I. The underlying pool consists of residential mortgage loans that are sold by a.s.r. life to Delphinus 2023-I B.V. The Class A notes that are issued under the programme, are rated AAA (sf)/AAA (sf) by Fitch and S&amp;P. They exhibit a weighted average life of 4.9 years and a First Optional Redemption Date (FORD) in September 2029. </p>\n<p>On 6 December 2023, Aegon life restructured \u2018Saecure 17\u2019, by expanding Saecure 17 with new mortgage loans and extending the First Optional Redemption Date (FORD) with no impact on equity and result. The nominal amount of \u20ac\u00a02,055 million of class A notes was increased to \u20ac\u00a04,350 million. The FORD is extended from the Notes Payment Date falling in October 2025 to the Notes Payment Date falling in January 2030, resulting in an expected weighted average lifetime (WAL) at restructuring of approximately 5 years. The fixed coupon of the class A notes remains unchanged at 0.50% till FORD. As all notes have been retained by Aegon life, the notes acquired by Aegon life are not recognised on the balance sheet, as there was no derecognition of the related mortgage loans. </p>\n<p>These notes can be used as collateral for the repurchase facilities (repo\u2019s) and/or reinsurance transactions that Aegon Levensverzekering has entered into with third parties, or alternatively sold to third party investors. At year-end 2023, \u20ac\u00a0375 million has been posted as collateral with respect to the longevity reinsurance contract with Canada Life Reinsurance and \u20ac\u00a0200 million has been posted as collateral with respect to the longevity reinsurance contract with RGA. </p>\n<p>The following structured entities are group companies and have been consolidated: </p><ul><li>\n<p>SAECURE 16 B.V.; </p></li><li>\n<p>SAECURE 17 B.V.; </p></li><li>\n<p>SAECURE 18 NHG B.V.; </p></li><li>\n<p>SAECURE 19 B.V.; </p></li><li>\n<p>SAECURE 20 B.V.; </p></li><li>\n<p>Aegon Hypotheken Financiering B.V.; </p></li><li>\n<p>Aegon Hypotheken Prefunding B.V.; </p></li><li>\n<p>Kigoi 2013 B.V.; </p></li><li>\n<p>Aegon Conditional Pass Through Covered Bond Company B.V.; </p></li><li>\n<p>Soft bullet program Knab; </p></li><li>\n<p>Delphinus 2023-I B.V. </p></li></ul>\n<p>The structured entities relate to the securitisation of mortgage loans or consumer credit loans. The contractual agreements with these entities do not include provisions in which a.s.r. could be required to provide financial support in certain circumstances. a.s.r. has not provided, nor has intentions to provide, financial or other support without having a contractual obligation to do so. </p>\n<h1 class=\"S_PARAGRAPH\" id=\"n1289193\"><span class=\"number\">7.5.18 </span><span class=\"title-text\">Savings deposits </span></h1>\n<h3 class=\"table-title\">Savings deposits </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:0%;\"/><col style=\"width:14%;\"/><col style=\"width:14%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>2023 </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>2022 </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">At 1 January </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Deposits </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">13,381 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Withdrawals </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-12,805 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Interest credited </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">69 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Other </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">64 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Changes in the composition of the group </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">11,258 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>At 31 December </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">11,967 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr></tbody></table> <br/>\n<p>The savings deposits comprise \u20ac\u00a01,134 million of savings related to \u2018Bankspaarhypotheken\u2019 (2022: nil). The received deposits related to the \u2018Bankspaarhypotheken\u2019 are directly invested in a sub participation of the mortgage of the specific client. The sub participation in the mortgages and the related deposits are shown gross in the financial statements as there is no intention to (directly) settle the deposit with the mortgage. </p>\n<p>For more detailed information about the fair value valuation of the savings, see <a href=\"#n1285283\" title=\"Financial assets and liabilities not measured at fair value\">chapter 7.7.1.2</a>. </p>\n<p>An amount of \u20ac\u00a09,925 million (2022: nil) of the savings is expected to be settled within twelve months after the balance sheet date. </p>\n<h1 class=\"S_PARAGRAPH\" id=\"n1289216\"><span class=\"number\">7.5.19 </span><span class=\"title-text\">Due to banks </span></h1>\n<p>See accounting <a href=\"#n1286373\" title=\"E. Financial assets and financial liabilities\">policy E</a>. </p>\n<p>The amounts due to banks increased from \u20ac\u00a02,264 million to \u20ac\u00a04,512 million primarily as a result of the acquisition of Aegon NL. There is no significant difference between the carrying amount and the fair value of these liabilities (see chapter <a href=\"#n1285283\" title=\"Financial assets and liabilities not measured at fair value\">7.7.1.2</a>). The average interest rate for the cash collateral received in 2023 is 3.21% and based on \u20acSTR (2022: -0.01% (EONIA / \u20acSTR)). </p>\n<p>\u20ac\u00a0383 million (2022: \u20ac\u00a0450 million) of cash on the balance sheet has been borrowed by entering into repurchase agreements. The asset recognised for cash collateral paid on repurchase agreements is presented under investments. The liability recognised for cash collateral received on repurchase agreements is presented under due to banks. The entire amount due to banks is expected to be settled less than or equal to twelve months after the balance sheet date. The liability related to cash collateral received on derivate instruments is also included in due to banks. </p>\n<p>a.s.r.'s unsecured Revolving Credit Facility (RCF) amounts to \u20ac\u00a0600 million (2022: \u20ac\u00a0400 million). The RCF can be used for multiple purposes including investment purposes, balance sheet management and short-term cash flow management. As per the year - end 2023 the RCF is undrawn and fully available. </p>\n<p>An amount of \u20ac\u00a04,507 million (2022: \u20ac\u00a02,264 million) of due to banks is expected to be settled within twelve months after the balance sheet date. </p>\n<h1 class=\"S_PARAGRAPH\" id=\"n1289240\"><span class=\"number\">7.5.20 </span><span class=\"title-text\">Other liabilities </span></h1>\n<h3 class=\"table-title\">Other liabilities </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:0%;\"/><col style=\"width:14%;\"/><col style=\"width:14%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">31 December 2023 </th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">31 December 2022 </th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Financial liabilities </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Due to customers </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">186 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">53 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Trade payables </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">51 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Non-financial liabilities </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Deferred income </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">11 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">18 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Short-term employee benefits </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">28 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">22 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Other non-financial liabilities </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1,099 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">626 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total other liabilities </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1,376 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">721 </td></tr></tbody></table> <br/>\n<p>The increase in other non-financial liabilities is mainly due to the acquisition of Aegon NL (see chapter <a href=\"#n1287134\" title=\"Acquisitions\">7.4.5</a>). The remaining amount consists, amongst others, of payables, accruals related to investments and construction depots for housing mortgages. </p>\n<p>There is no difference between the carrying value of other liabilities and their fair value (see chapter <a href=\"#n1285283\" title=\"Financial assets and liabilities not measured at fair value\">7.7.1.2</a>). </p>\n<p>An amount of \u20ac\u00a063 million (2022: \u20ac\u00a018 million) of the other liabilities is expected to be settled more than one year after the balance sheet date. </p>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfFinancialInstrumentsExplanatory",
    "language": "en",
    "entity": "scheme:7245000G0HS48PZWUD53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "ixv-654": {
   "value": "\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n1289414\"><span class=\"number\">7.5.5.1 </span><span class=\"title-text\">Investments at FVTPL </span></h1>\n<h3 class=\"table-title\">Investments at FVTPL </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:0%;\"/><col style=\"width:16%;\"/><col style=\"width:16%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>31 December 2023 </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>31 December 2022 </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Financial investments - transferred under repurchase agreements </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Government bonds </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">213 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">437 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Financial investments - own risk </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Real estate equity funds </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">5,380 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">4,092 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Mortgage equity funds </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">997 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,008 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Debt equity funds </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">772 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Government bonds </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">15,854 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">8,872 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Corporate bonds </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">9,948 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">7,272 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Asset-backed securities </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">3,013 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">413 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Other investment funds </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,153 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,605 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Equities </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">247 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">67 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Mortgage loans </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">24,494 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">9,074 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Private loans </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">11,309 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">6,191 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total investments at FVTPL </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>74,380 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>39,031 </b></td></tr></tbody></table> <br/>\n<p>Investments at FVTPL mainly increased due to the assets acquired through the acquisition of Aegon NL (see <a href=\"#n1287134\" title=\"Acquisitions\">chapter 7.4.5</a>). Government bonds were sold to finance the acquisition of Aegon NL. Private loans increased mainly due to new reverse repurchase agreements. </p>\n<p>Private loans consists for \u20ac\u00a02,285 million (2022: \u20ac\u00a02,293 million) of savings-linked mortgage loans. The claim related to cash collateral paid on derivative instruments, included in private loans, amounts to \u20ac\u00a01,091 million (2022: \u20ac\u00a01,633 million). </p>\n<p>a.s.r. has bonds amounting to \u20ac\u00a03,483 million (2022: \u20ac\u00a03,237 million), shares amounting to \u20ac\u00a024 million (2022: nil) and cash amounting to \u20ac\u00a0750 million (2022: \u20ac\u00a0600 million) (see <a href=\"#n1289562\" title=\"Cash and cash equivalents\">chapter 7.5.10</a>) that have been transferred, but do not qualify for derecognition. The majority of these investments are part of a securities lending programme whereby the investments are lent in exchange for a fee with collateral obtained as a security. The collateral furnished as security representing a fair value of \u20ac\u00a05,067 million (2022: \u20ac\u00a04,914 million) consists of mortgage loans and corporate and government bonds. See accounting policy <a href=\"#n1286598\" title=\"M. Securities lending\">M</a> about securities lending. </p>\n<p>For the real estate equity funds and mortgage equity funds for which a.s.r. has significant influence the exemption of IAS 28 was used, thereby measuring the investments at FVTPL and presenting them as a separate category within the investments at FVTPL. For a breakdown of the real estate equity funds and mortgage equity fund, see <a href=\"#n1289341\" title=\"Associates and joint ventures\">chapter 7.5.4</a>. </p>\n<p>At year-end 2023 and 2022, debt instruments at FVTPL consisted entirely of investments mandatorily measured as such. </p>\n<p>Based on their contractual maturity, an amount of \u20ac\u00a057,936 million (2022: \u20ac\u00a026,993 million) of fixed income investments is expected to be recovered after more than one year after the balance sheet date. For assets without a contractual maturity date, it is expected that they will be recovered after more than one year after the balance sheet date. </p>\n<p>For more detailed information about the fair value valuation of the investments, see <a href=\"#n1285236\" title=\"Fair value of assets and liabilities\">chapter 7.7.1. </a></p>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n1289441\"><span class=\"number\">7.5.5.3 </span><span class=\"title-text\">Investments at amortised cost </span></h1>\n<h3 class=\"table-title\">Investments at amortised cost </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:0%;\"/><col style=\"width:16%;\"/><col style=\"width:16%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>31 December 2023 </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>31 December 2022 </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Mortgage loans </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">14,590 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Private loans </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">185 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total investments at amortised cost </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>14,775 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td></tr></tbody></table> <br/>\n<p>Investments at amortised costs increased due to the assets acquired through the acquisition of Aegon NL (see <a href=\"#n1287134\" title=\"Acquisitions\">chapter 7.4.5</a>). </p>\n<p>Certain mortgage loans shown within the category investments at amortised cost are designated in portfolio fair value interest rate hedging relationships, and are fair valued with respect to the hedged interest rate. For 2023, this resulted in a higher carrying value of \u20ac\u00a0289 million (2022: nil). None of the financial assets has been reclassified during the financial year. </p>\n<p>Based on their contractual maturity, an amount of \u20ac\u00a013,929 million (2022: nil) of debt instruments is expected to be recovered after more than one year after the balance sheet date. For assets without a contractual maturity date, it is expected that they will be recovered after more than one year after the balance sheet date. </p>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n1288257\"><span class=\"number\">7.8.4.7 </span><span class=\"title-text\">Expected credit loss </span></h1>\n<p>The recognition and measurement of impairments is forward-looking, and apply to all financial assets measured at amortised cost and at FVOCI. Initially, a provision is required for credit losses expected within the next 12 months. This is referred to as \u2018Stage 1\u2019. If there is a significant increase in credit risk between the moment of origination and the reporting date, but the exposure is not in default, the exposure is in \u2018Stage 2\u2019. If the exposure is in default, this is referred to as \u2018Stage 3\u2019. For both \u2018Stage 2\u2019 and \u2018Stage 3\u2019, a provision is required for expected credit losses over the remaining lifetime of the financial asset. </p>\n<div class=\"header header-2\">Expected credit loss measurement </div>\n<p>The impairment requirements outline a \u2018three-stage\u2019 model for impairment based on changes in credit quality since initial recognition as summarised below: </p><ol><li>\n<p>A financial instrument that is not credit-impaired on initial recognition is classified into \u2018Stage 1\u2019 and has its credit risk continuously monitored by a.s.r.: <br/>a) If a significant increase in credit risk (\u2018SICR\u2019) since initial recognition is identified, the financial instrument is moved to \u2018Stage 2\u2019 but is not yet deemed to be credit impaired. <br/>b) If the financial instrument is credit-impaired, the financial instrument is then moved to \u2018Stage 3\u2019. </p></li><li>\n<p>Financial instruments in Stage 1 have their ECL measured at a 12-month expected credit losses that result from default events possible within the next 12 months. </p></li><li>\n<p>Financial instruments in Stages 2 or 3 have their ECL measured based on expected credit losses on a lifetime basis. </p></li></ol>\n<p>ECL is measured on either a 12-month basis (Stage 1) or lifetime basis (Stages 2/3) depending on whether a significant increase in credit risk has occurred since initial recognition or whether an asset is considered to be credit-impaired. </p>\n<p>Expected credit losses are the discounted product of the Probability of Default (PD), Exposure at Default (EAD), and Loss Given Default (LGD), defined as follows: </p><ul><li>\n<p>PD represents the likelihood of a borrower defaulting on its financial obligation, either over the next 12 months (12-month PD), or over the remaining lifetime (lifetime PD) of the obligation; </p></li><li>\n<p>EAD is based on the amounts a.s.r. expects to be owed at the time of default, over the next 12 months (12-month EAD) or over the remaining lifetime (lifetime EAD); </p></li><li>\n<p>LGD represents a.s.r.\u2019s expectation of the extent of the loss on a defaulted exposure. LGD varies by type of counterparty, type and seniority of the claim, and availability of collateral or other credit support. LGD is expressed as a percentage loss per unit of exposure at the time of default (EAD). LGD is calculated on a 12-month or lifetime basis, where the 12-month LGD is the percentage of loss expected to be made if the default occurs in the next 12 months, and the lifetime LGD is the percentage of loss expected to be made if the default occurs over the remaining expected lifetime of the loan. </p></li></ul>\n<p>A pervasive concept in measuring ECL is that it should consider forward-looking information. a.s.r. has performed historical analyses to identify the key economic variables impacting credit risk and expected credit losses for each portfolio. Expert judgment was also applied in this process. </p>\n<p>a.s.r. employs separate models to calculate ECL on the following asset classes: </p><ul><li>\n<p>Mortgage loans; </p></li><li>\n<p>Consumer loans; </p></li><li>\n<p>SME loans; and </p></li><li>\n<p>Debt securities. </p></li></ul>\n<p>Debt securities are covered by a single model because these portfolios are all managed in a similar fashion. Asset classes not covered by the ECL calculations are considered either to have immaterial credit risk or to be short-term in nature. Given the need to adapt the models to the different portfolio characteristics, all ECL models use different key judgments and assumptions. </p>\n<p>The following tables show the changes in the loss allowance between the beginning and end of the year due to these factors (excluding Other financial assets at amortised cost): </p>\n<h3 class=\"table-title\">Government and corporate bonds measured at FVOCI </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:auto;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;\"><b>2023 </b></th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Stage 1 <br/>(12-month ECL) </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Stage 2 <br/>(Lifetime ECL) </b></th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Stage 3 <br/>(Lifetime ECL) </b></th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Total </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">At 1 January </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Changes in the composition of the group </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Loss allowance at 31 December </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>1 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>1 </b></td></tr></tbody></table> <br/>\n<h3 class=\"table-title\">Mortgage loans measured at amortised cost </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:auto;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;\"><b>2023 </b></th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Stage 1 <br/>(12-month ECL) </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Stage 2 <br/>(Lifetime ECL) </b></th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Stage 3 <br/>(Lifetime ECL) </b></th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Total </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">At 1 January </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Stage transfers </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-1 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-1 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Changes in models/risk parameters </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-1 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Changes in the composition of the group </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">3 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">4 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Loss allowance at 31 December </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>1 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>1 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>3 </b></td></tr></tbody></table> <br/>\n<h3 class=\"table-title\">Private loans measured at amortised cost </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:auto;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;\"><b>2023 </b></th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Stage 1 <br/>(12-month ECL) </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Stage 2 <br/>(Lifetime ECL) </b></th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Stage 3 <br/>(Lifetime ECL) </b></th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Purchased or Originated Credit-Impaired </b></th><th class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Total </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">At 1 January </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Stage transfers </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-4 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">3 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Net remeasurement of loss allowance </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">3 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Repayments </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-1 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-1 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-1 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-3 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Changes in models/risk parameters </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-1 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-1 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-1 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Changes in the composition of the group </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">6 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">6 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Other changes </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-1 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-1 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Loss allowance at 31 December </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>2 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>1 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>2 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>5 </b></td></tr></tbody></table> <br/>\n<p>The total of undiscounted ECL at initial recognition for purchased or originated credit-impaired financial assets recognised during 2023 amounts to \u20ac\u00a00 million. </p>\n<p>The following tables further specify the changes in gross carrying amounts to help explain their significance for the changes in the loss allowance for the same portfolios as discussed above. The gross carrying amounts in these tables are the clean values, thus excluding the accrued interest. </p>\n<h3 class=\"table-title\">Government and corporate bonds measured at FVOCI </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:auto;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;\"><b>2023 </b></th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Stage 1 <br/>(12-month ECL) </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Stage 2 <br/>(Lifetime ECL) </b></th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Stage 3 <br/>(Lifetime ECL) </b></th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Total </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">At 1 January </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Repayments </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-70 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-70 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Disposals </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-45 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-45 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Changes in the composition of the group </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">970 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">970 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Other changes </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">18 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">18 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Gross carrying amount at 31 December </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>874 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>874 </b></td></tr></tbody></table> <br/>\n<h3 class=\"table-title\">Mortgage loans measured at amortised cost </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:auto;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;\"><b>2023 </b></th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Stage 1 <br/>(12-month ECL) </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Stage 2 <br/>(Lifetime ECL) </b></th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Stage 3 <br/>(Lifetime ECL) </b></th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Total </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">At 1 January </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Stage transfers </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">506 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-510 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">4 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Purchases and originations </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">964 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">14 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">979 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Repayments </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-538 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-48 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-1 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-586 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Changes in the composition of the group </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">12,763 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">957 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">14 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">13,734 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Other changes </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">425 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">425 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Gross carrying amount at 31 December </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>14,121 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>414 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>18 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>14,552 </b></td></tr></tbody></table> <br/>\n<h3 class=\"table-title\">Private loans measured at amortised cost </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:auto;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;\"><b>2023 </b></th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Stage 1 <br/>(12-month ECL) </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Stage 2 <br/>(Lifetime ECL) </b></th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Stage 3 <br/>(Lifetime ECL) </b></th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Purchased or Originated Credit-Impaired </b></th><th class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Total </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">At 1 January </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Stage transfers </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-33 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">29 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">4 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Purchases and originations </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">5 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">5 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Repayments </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-42 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-14 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">3 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-7 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-60 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Changes in the composition of the group </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">236 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">10 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">246 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Other changes </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-1 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-1 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-2 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Gross carrying amount at 31 December </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>164 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>15 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>6 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>3 </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>188 </b></td></tr></tbody></table> <br/>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfAllowanceForCreditLossesExplanatory",
    "language": "en",
    "entity": "scheme:7245000G0HS48PZWUD53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "ixv-655": {
   "value": "\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n1289414\"><span class=\"number\">7.5.5.1 </span><span class=\"title-text\">Investments at FVTPL </span></h1>\n<h3 class=\"table-title\">Investments at FVTPL </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:0%;\"/><col style=\"width:16%;\"/><col style=\"width:16%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>31 December 2023 </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>31 December 2022 </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Financial investments - transferred under repurchase agreements </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Government bonds </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">213 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">437 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Financial investments - own risk </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Real estate equity funds </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">5,380 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">4,092 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Mortgage equity funds </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">997 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,008 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Debt equity funds </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">772 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Government bonds </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">15,854 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">8,872 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Corporate bonds </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">9,948 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">7,272 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Asset-backed securities </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">3,013 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">413 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Other investment funds </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,153 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,605 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Equities </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">247 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">67 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Mortgage loans </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">24,494 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">9,074 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Private loans </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">11,309 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">6,191 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total investments at FVTPL </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>74,380 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>39,031 </b></td></tr></tbody></table> <br/>\n<p>Investments at FVTPL mainly increased due to the assets acquired through the acquisition of Aegon NL (see <a href=\"#n1287134\" title=\"Acquisitions\">chapter 7.4.5</a>). Government bonds were sold to finance the acquisition of Aegon NL. Private loans increased mainly due to new reverse repurchase agreements. </p>\n<p>Private loans consists for \u20ac\u00a02,285 million (2022: \u20ac\u00a02,293 million) of savings-linked mortgage loans. The claim related to cash collateral paid on derivative instruments, included in private loans, amounts to \u20ac\u00a01,091 million (2022: \u20ac\u00a01,633 million). </p>\n<p>a.s.r. has bonds amounting to \u20ac\u00a03,483 million (2022: \u20ac\u00a03,237 million), shares amounting to \u20ac\u00a024 million (2022: nil) and cash amounting to \u20ac\u00a0750 million (2022: \u20ac\u00a0600 million) (see <a href=\"#n1289562\" title=\"Cash and cash equivalents\">chapter 7.5.10</a>) that have been transferred, but do not qualify for derecognition. The majority of these investments are part of a securities lending programme whereby the investments are lent in exchange for a fee with collateral obtained as a security. The collateral furnished as security representing a fair value of \u20ac\u00a05,067 million (2022: \u20ac\u00a04,914 million) consists of mortgage loans and corporate and government bonds. See accounting policy <a href=\"#n1286598\" title=\"M. Securities lending\">M</a> about securities lending. </p>\n<p>For the real estate equity funds and mortgage equity funds for which a.s.r. has significant influence the exemption of IAS 28 was used, thereby measuring the investments at FVTPL and presenting them as a separate category within the investments at FVTPL. For a breakdown of the real estate equity funds and mortgage equity fund, see <a href=\"#n1289341\" title=\"Associates and joint ventures\">chapter 7.5.4</a>. </p>\n<p>At year-end 2023 and 2022, debt instruments at FVTPL consisted entirely of investments mandatorily measured as such. </p>\n<p>Based on their contractual maturity, an amount of \u20ac\u00a057,936 million (2022: \u20ac\u00a026,993 million) of fixed income investments is expected to be recovered after more than one year after the balance sheet date. For assets without a contractual maturity date, it is expected that they will be recovered after more than one year after the balance sheet date. </p>\n<p>For more detailed information about the fair value valuation of the investments, see <a href=\"#n1285236\" title=\"Fair value of assets and liabilities\">chapter 7.7.1. </a></p>\n<h1 class=\"S_PARAGRAPH\" id=\"n1289464\"><span class=\"number\">7.5.6 </span><span class=\"title-text\">Investments related to direct participating insurance contracts </span></h1>\n<p>See accounting <a href=\"#n1286373\" title=\"E. Financial assets and financial liabilities\">policy E</a>. </p>\n<h3 class=\"table-title\">Investments related to direct participating insurance contracts </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:0%;\"/><col style=\"width:14%;\"/><col style=\"width:14%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">31 December 2023 </th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">31 December 2022 </th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Real estate equity funds </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">278 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">170 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-right-1\" style=\"text-align:left;vertical-align:bottom;\">Mortgage equity funds </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">271 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">252 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-right-1\" style=\"text-align:left;vertical-align:bottom;\">Debt equity funds </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">18 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-right-1\" style=\"text-align:left;vertical-align:bottom;\">Government bonds </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">6,013 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,543 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-right-1\" style=\"text-align:left;vertical-align:bottom;\">Corporate bonds </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,936 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,386 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-right-1\" style=\"text-align:left;vertical-align:bottom;\">Asset-backed securities </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">351 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-right-1\" style=\"text-align:left;vertical-align:bottom;\">Other investment funds </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1,197 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-right-1\" style=\"text-align:left;vertical-align:bottom;\">Derivatives </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">98 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-right-1\" style=\"text-align:left;vertical-align:bottom;\">Equities </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">14,252 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">6,486 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-right-1\" style=\"text-align:left;vertical-align:bottom;\">Mortgage loans </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1,357 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-right-1\" style=\"text-align:left;vertical-align:bottom;\">Private loans </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">208 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-right-1\" style=\"text-align:left;vertical-align:bottom;\">Other investments </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">3,375 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">76 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-right-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total investments related to direct participating insurance contracts </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>30,352 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>9,912 </b></td></tr></tbody></table> <br/>\n<p>Investments related to direct participating insurance contracts mainly increased due to the assets acquired through the acquisition of Aegon NL, see <a href=\"#n1287134\" title=\"Acquisitions\">chapter 7.4.5</a>. </p>\n<p>Investments related to direct participating insurance contracts are mandatorily measured at FVTPL. </p>\n<p>Direct participating insurance contracts are managed on behalf of policyholders on a fair value basis. Although individual instruments may (or may not) have a maturity depending on their nature, this does not impact the liquidity position <span style=\"white-space:nowrap;\">of a.s.r. </span></p>\n<h1 class=\"S_PARAGRAPH\" id=\"n1289488\"><span class=\"number\">7.5.7 </span><span class=\"title-text\">Derivatives </span></h1>\n<p>See accounting<a href=\"#n1286373\" title=\"E. Financial assets and financial liabilities\">policy E</a>. </p>\n<h3 class=\"table-title\">Derivatives </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:auto;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/></colgroup><thead>\n<tr style=\"border:none;\"><th class=\"startCol-1 endCol-1 valign-top border-right-1 headrow\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 colspan-2 headrow\" colspan=\"2\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;border-bottom:1px solid;\"><b>31 December 2023 </b></th><th class=\"startCol-4 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 colspan-2 headrow\" colspan=\"2\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;border-bottom:1px solid;\"><b>31 December 2022 </b></th></tr>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Asset </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Liability </b></th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Asset </b></th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Liability </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Derivatives not designated in a hedge </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">11,447 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">9,240 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">5,761 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">5,681 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Derivatives designated as fair value hedges </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1,461 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">892 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>12,907 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>10,132 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>5,761 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>5,681 </b></td></tr></tbody></table> <br/>\n<p>Derivatives consist primarily of derivatives used to hedge interest rate movements. Derivatives are classified mandatorily as FVTPL and changes in the fair value of derivatives at FVTPL are recorded in net fair value gains and (losses), see chapter <a href=\"#n1285996\" title=\"Net fair value gains and (losses)\">7.6.5</a>. </p>\n<p>Derivatives held for mortgage loans (Knab and Aegon hypotheken) are designated under fair value hedge accounting using the EU carve-out on hedge accounting, only net accounting ineffectiveness has an impact on the net result (for more information, see below under hedge accounting). </p>\n<p>a.s.r. trades both cleared and non-cleared derivatives on the basis of standardised contracts and exchanges cash variation margin with its counterparties. The derivatives are valued daily and cash collateral is exchanged to reflect the change in mark-to-market (MtM) of the derivatives. Because of this periodic margining process, counterparty risk on derivatives is negligible. </p>\n<p>In addition to the above variation margin obligations, there is also an initial margin obligation for central cleared derivatives which further reduces the risk of a.s.r. and its counterparties that they cannot fulfil their obligations. </p>\n<p>Notional amounts are not recognised as assets or liabilities in the balance sheet, however notional amounts are used in determining the fair value of the derivatives. Notional amounts do not reflect the potential gain or loss on a derivative transaction. </p>\n<h3 class=\"table-title\">Derivatives by type of instrument </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:0%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/></colgroup><thead>\n<tr style=\"border:none;\"><th class=\"startCol-1 endCol-1 valign-top border-right-1 headrow\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 colspan-3 headrow\" colspan=\"3\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;border-bottom:1px solid;\"><b>31 December 2023 </b></th><th class=\"startCol-5 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 colspan-3 headrow\" colspan=\"3\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;border-bottom:1px solid;\"><b>31 December 2022 </b></th></tr>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Asset </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Liability </b></th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Notional amount </b></th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Asset </b></th><th class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Liability </b></th><th class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Notional amount </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Foreign exchange contracts </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">57 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">116 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">4,936 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">80 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">29 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2,924 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Interest rate contracts </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">- Swaps </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">11,655 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">9,766 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">198,897 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">5,116 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">5,653 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">72,854 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">- Options </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">709 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">59 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">8,539 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">275 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2,781 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">- Futures </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">78 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">91 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">3,278 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">215 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,176 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Inflation linked swaps </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">358 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">21 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,794 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">44 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">290 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Equity index contracts </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">49 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">79 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">10,463 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">31 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">643 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Credit default swaps </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">45 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total derivatives </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>12,907 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>10,132 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>228,952 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>5,761 </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>5,681 </b></td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>80,667 </b></td></tr></tbody></table> <br/>\n<p>The derivatives do not include the derivatives relating to direct participating insurance contracts of \u20ac\u00a098 million (2022: nil). </p>\n<p>Derivatives increased due to the derivatives acquired through the acquisition of Aegon NL, see chapter <a href=\"#n1287134\" title=\"Acquisitions\">7.4.5</a>. In addition, derivatives increased primarily as a result of positive revaluations due to decreasing interest rates. </p>\n<p>In addition to the use of swaps and options a.s.r. manages interest rate risk by using bond forwards, included in interest rate contracts futures. </p>\n<p>The notional amounts of both receiver and payer swaps are included in the total notional amounts of foreign exchange contracts. </p>\n<p>The fair value of interest rate contracts is calculated by first determining the cash flows of the floating leg based on the Euribor-curve corresponding the interest reset period (3 months, 6 months or 12 months) of the swap. Then the net present value of the floating and fixed leg is determined by discounting the cash flows with the relevant curve (such as \u20acSTR, SOFR and SONIA). </p>\n<p>The fair value of the interest rate contracts using the above valuation method form the basis for the amount of collateral that is exchanged between a.s.r. and its counterparties in accordance with the underlying contracts. For more information see <a href=\"#n1287835\" title=\"Risk management\">chapter 7.8</a> on risk management. </p>\n<p>Of the derivatives \u20ac\u00a011,638 million assets (2022: \u20ac\u00a04,939 million) and \u20ac\u00a08,967 million liabilities (2022: \u20ac\u00a05,629 million) is expected to be recovered respectively settled more than one year after the balance sheet date. </p>\n<div class=\"header header-2\">Transition </div>\n<p>Throughout the world, a transition is taking place from interbank offered rates (IBORs) to alternative benchmarks. In the EU, the transition to alternative interest-rate benchmarks is governed by the Benchmark Regulation (BMR). Pursuant to the BMR, IBOR based contracts need to be amended to reference alternative rates or to be provided with a fallback option. </p>\n<p>The transition away from IBORs has mainly affected a.s.r.\u2019s derivative book, which is measured at fair value through profit or loss. Although most references under these derivatives remain BMR compliant, the Cash Collateral Interest Rate, and consequently discount rates, have required amendments towards Alternative Reference Rates (ARRs). </p>\n<p>In the past years, all relevant contracts referencing Ibors (except Euribor) have been amended to reflect ARRs. </p>\n<div class=\"header header-2\">Hedge accounting </div>\n<p>Macro fair value hedge accounting under the EU carve-out is applied by subsidiaries Knab and Aegon hypotheken (continuing practice post-acquisition). </p>\n<h3 class=\"table-title\">Derivatives designated as fair value hedges </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:auto;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>2023 </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>2022 </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Fair value changes mortgage loans recognised in profit or loss under EU carve-out </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">329 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><i>- </i></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Offset amount of fair value changes recognised on derivatives used as hedging instrument </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-326 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total accounting ineffectiveness under EU carve-out recognised in profit or loss </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>3 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td></tr></tbody></table> <br/>\n<h1 class=\"S_PARAGRAPH\" id=\"n1289562\"><span class=\"number\">7.5.10 </span><span class=\"title-text\">Cash and cash equivalents </span></h1>\n<p>See <a href=\"#n1286711\" title=\"R. Cash and cash equivalents\">accounting policy R</a>. </p>\n<h3 class=\"table-title\">Cash and cash equivalents </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:0%;\"/><col style=\"width:14%;\"/><col style=\"width:14%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>31 December 2023 </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>31 December 2022 </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Due from banks </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">4,681 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,645 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Due from banks falling due within three months </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">3,229 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">601 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total cash and cash equivalents </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>7,910 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>2,246 </b></td></tr></tbody></table> <br/>\n<p>a.s.r. has cash amounting to \u20ac\u00a03.229 million (2022: \u20ac\u00a0601 million) that has been transferred as part of a securities lending programme, but does not qualify for derecognition. For more information see <a href=\"#n1289391\" title=\"Investments at FVOCI\">chapter 7.5.5.1</a>. </p>\n<p>Cash and cash equivalents include cash and demand balances held at DNB. DNB requires Knab to place 1% of their deposits with agreed maturity or the savings accounts (without restrictions to withdraw their money) in an account with DNB. These deposits are not freely available. This so-called minimum reserve is renewed each maintenance period consisting of approximately 6 weeks. An interest of 2,2% is received on this minimum reserve (2022: 2,5%). </p>\n<h3 class=\"table-title\">Deposit with DNB </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:auto;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>2023 </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>2022 </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Average balance on deposit with DNB at year-end </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">70 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">198 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Average minimum required balance on deposit by DNB for year-end </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">84 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">82 </td></tr></tbody></table> <br/>\n<p>All other cash and cash equivalents are freely available. The cash components include \u20ac\u00a02,824 million (2022: \u20ac\u00a0249 million) related to cash collateral received on derivative instruments and is managed separately from other cash equivalents. </p>\n<p>The claim related to cash collateral paid on derivative instruments is included in the amount loans to credit institutions (see <a href=\"#n1289414\" title=\"Investments at FVTPL\">chapter 7.5.5.2</a>). Debt related to cash collateral received on derivatives instruments is included in the amount due to banks (see <a href=\"#n1289216\" title=\"Due to banks\">chapter 7.5.19</a>). </p>\n<p>Interest expenses on cash collateral is mainly based on \u20acSTR (2022: \u20acSTR). </p>\n<div class=\"tanPageBreak newPage\"> </div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfFinancialInstrumentsAtFairValueThroughProfitOrLossExplanatory",
    "language": "en",
    "entity": "scheme:7245000G0HS48PZWUD53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
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  "ixv-656": {
   "value": "\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n1289414\"><span class=\"number\">7.5.5.1 </span><span class=\"title-text\">Investments at FVTPL </span></h1>\n<h3 class=\"table-title\">Investments at FVTPL </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:0%;\"/><col style=\"width:16%;\"/><col style=\"width:16%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>31 December 2023 </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>31 December 2022 </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Financial investments - transferred under repurchase agreements </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Government bonds </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">213 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">437 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Financial investments - own risk </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Real estate equity funds </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">5,380 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">4,092 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Mortgage equity funds </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">997 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,008 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Debt equity funds </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">772 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Government bonds </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">15,854 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">8,872 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Corporate bonds </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">9,948 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">7,272 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Asset-backed securities </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">3,013 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">413 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Other investment funds </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,153 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,605 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Equities </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">247 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">67 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Mortgage loans </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">24,494 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">9,074 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Private loans </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">11,309 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">6,191 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total investments at FVTPL </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>74,380 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>39,031 </b></td></tr></tbody></table> <br/>\n<p>Investments at FVTPL mainly increased due to the assets acquired through the acquisition of Aegon NL (see <a href=\"#n1287134\" title=\"Acquisitions\">chapter 7.4.5</a>). Government bonds were sold to finance the acquisition of Aegon NL. Private loans increased mainly due to new reverse repurchase agreements. </p>\n<p>Private loans consists for \u20ac\u00a02,285 million (2022: \u20ac\u00a02,293 million) of savings-linked mortgage loans. The claim related to cash collateral paid on derivative instruments, included in private loans, amounts to \u20ac\u00a01,091 million (2022: \u20ac\u00a01,633 million). </p>\n<p>a.s.r. has bonds amounting to \u20ac\u00a03,483 million (2022: \u20ac\u00a03,237 million), shares amounting to \u20ac\u00a024 million (2022: nil) and cash amounting to \u20ac\u00a0750 million (2022: \u20ac\u00a0600 million) (see <a href=\"#n1289562\" title=\"Cash and cash equivalents\">chapter 7.5.10</a>) that have been transferred, but do not qualify for derecognition. The majority of these investments are part of a securities lending programme whereby the investments are lent in exchange for a fee with collateral obtained as a security. The collateral furnished as security representing a fair value of \u20ac\u00a05,067 million (2022: \u20ac\u00a04,914 million) consists of mortgage loans and corporate and government bonds. See accounting policy <a href=\"#n1286598\" title=\"M. Securities lending\">M</a> about securities lending. </p>\n<p>For the real estate equity funds and mortgage equity funds for which a.s.r. has significant influence the exemption of IAS 28 was used, thereby measuring the investments at FVTPL and presenting them as a separate category within the investments at FVTPL. For a breakdown of the real estate equity funds and mortgage equity fund, see <a href=\"#n1289341\" title=\"Associates and joint ventures\">chapter 7.5.4</a>. </p>\n<p>At year-end 2023 and 2022, debt instruments at FVTPL consisted entirely of investments mandatorily measured as such. </p>\n<p>Based on their contractual maturity, an amount of \u20ac\u00a057,936 million (2022: \u20ac\u00a026,993 million) of fixed income investments is expected to be recovered after more than one year after the balance sheet date. For assets without a contractual maturity date, it is expected that they will be recovered after more than one year after the balance sheet date. </p>\n<p>For more detailed information about the fair value valuation of the investments, see <a href=\"#n1285236\" title=\"Fair value of assets and liabilities\">chapter 7.7.1. </a></p>\n<h1 class=\"S_PARAGRAPH\" id=\"n1289216\"><span class=\"number\">7.5.19 </span><span class=\"title-text\">Due to banks </span></h1>\n<p>See accounting <a href=\"#n1286373\" title=\"E. Financial assets and financial liabilities\">policy E</a>. </p>\n<p>The amounts due to banks increased from \u20ac\u00a02,264 million to \u20ac\u00a04,512 million primarily as a result of the acquisition of Aegon NL. There is no significant difference between the carrying amount and the fair value of these liabilities (see chapter <a href=\"#n1285283\" title=\"Financial assets and liabilities not measured at fair value\">7.7.1.2</a>). The average interest rate for the cash collateral received in 2023 is 3.21% and based on \u20acSTR (2022: -0.01% (EONIA / \u20acSTR)). </p>\n<p>\u20ac\u00a0383 million (2022: \u20ac\u00a0450 million) of cash on the balance sheet has been borrowed by entering into repurchase agreements. The asset recognised for cash collateral paid on repurchase agreements is presented under investments. The liability recognised for cash collateral received on repurchase agreements is presented under due to banks. The entire amount due to banks is expected to be settled less than or equal to twelve months after the balance sheet date. The liability related to cash collateral received on derivate instruments is also included in due to banks. </p>\n<p>a.s.r.'s unsecured Revolving Credit Facility (RCF) amounts to \u20ac\u00a0600 million (2022: \u20ac\u00a0400 million). The RCF can be used for multiple purposes including investment purposes, balance sheet management and short-term cash flow management. As per the year - end 2023 the RCF is undrawn and fully available. </p>\n<p>An amount of \u20ac\u00a04,507 million (2022: \u20ac\u00a02,264 million) of due to banks is expected to be settled within twelve months after the balance sheet date. </p>\n<h1 class=\"S_PARAGRAPH\" id=\"n1285236\"><span class=\"number\">7.7.1 </span><span class=\"title-text\">Fair value of assets and liabilities </span></h1>\n<p>See accounting <a href=\"#n1286252\" title=\"Key accounting policies\">policy B</a>. </p>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n1285259\"><span class=\"number\">7.7.1.1 </span><span class=\"title-text\">Financial assets and liabilities measured at fair value </span></h1>\n<h3 class=\"table-title\">Breakdown of financial assets measured at fair value </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:auto;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/></colgroup><thead>\n<tr style=\"border:none;\"><th class=\"startCol-1 endCol-1 valign-top border-right-1 headrow\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;border-bottom:1px solid;\"><b>Fair value based on quoted prices in an active market </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;border-bottom:1px solid;\"><b>Fair value based on observable market data </b></th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 headrow\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;border-bottom:1px solid;\"><b>Fair value not based on observable market data </b></th><th class=\"startCol-5 endCol-5 valign-top headrow\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th></tr>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top align-left border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\"><b>31 December 2023 </b></th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Level 1 </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Level 2 </b></th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Level 3 </b></th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Total fair value </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Investments at FVTPL </b></td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Investments - transferred under repurchase agreements </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Government bonds </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">213 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">213 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>213 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>213 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Investments - own risk </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Real estate equity funds </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">5,380 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">5,380 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Mortgage equity funds </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">997 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">997 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Debt equity funds </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">19 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">70 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">684 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">772 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Government bonds </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">15,109 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">745 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">15,854 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Corporate bonds </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">9,204 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">744 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">9,948 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Asset-backed securities </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">3,013 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">3,013 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Other investment funds </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">606 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">974 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">572 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,153 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Equities </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">247 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">247 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Mortgage loans </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">24,494 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">24,494 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Private loans </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,365 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">8,932 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">12 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">11,309 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>27,550 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>11,465 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>35,152 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>74,167 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Investments related to direct participating insurance contracts </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Real estate equity funds </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">278 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">278 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Mortgage equity funds </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">271 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">271 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Debt equity funds </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">18 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">18 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Government bonds </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">6,013 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">6,013 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Corporate bonds </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,936 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,936 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Asset-backed securities </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">351 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">351 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Other investment funds </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">518 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">258 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">421 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1,197 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Derivatives </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">12 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">86 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">98 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Equities </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">14,252 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">14,252 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Mortgage loans </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1,357 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1,357 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Private loans </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">208 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">208 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Other investments </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1,989 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1,386 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">3,375 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>26,016 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>1,937 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>2,400 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>30,352 </b></td></tr></tbody></table> <br/>\n<h3 class=\"table-title\">Breakdown of financial assets measured at fair value </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:auto;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/></colgroup><thead>\n<tr style=\"border:none;\"><th class=\"startCol-1 endCol-1 valign-top border-right-1 headrow\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;border-bottom:1px solid;\"><b>Fair value based on quoted prices in an active market </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;border-bottom:1px solid;\"><b>Fair value based on observable market data </b></th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 headrow\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;border-bottom:1px solid;\"><b>Fair value not based on observable market data </b></th><th class=\"startCol-5 endCol-5 valign-top headrow\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th></tr>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top align-left border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\"><b>31 December 2023 </b></th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Level 1 </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Level 2 </b></th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Level 3 </b></th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Total fair value </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Investments at FVOCI </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Government bonds </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">280 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">79 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">359 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Corporate bonds </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">461 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">60 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">521 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Equities </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,291 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">58 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,348 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Preference shares </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">75 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">4 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">79 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Other participating contracts </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">5 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">5 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>3,036 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>214 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>62 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>3,312 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Derivatives </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Foreign exchange contracts </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">57 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">57 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Interest rate contracts </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">- Swaps </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">11,655 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">11,655 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">- Options </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">709 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">709 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">- Futures </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">77 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">78 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Equity index contracts </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">29 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">21 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">49 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Inflation linked swaps </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">358 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">358 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>29 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>12,878 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>12,907 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Cash and cash equivalents </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">7,910 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">7,910 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total financial assets measured at fair value </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>64,755 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>26,493 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>37,613 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>128,861 </b></td></tr></tbody></table> <br/>\n<h3 class=\"table-title\">Breakdown of financial liabilities measured at fair value </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:0%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:14%;\"/></colgroup><thead>\n<tr style=\"border:none;\"><th class=\"startCol-1 endCol-1 valign-top border-right-1 headrow\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;border-bottom:1px solid;\"><b>Fair value based on quoted prices in an active market </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;border-bottom:1px solid;\"><b>Fair value based on observable market data </b></th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 headrow\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;border-bottom:1px solid;\"><b>Fair value not based on observable market data </b></th><th class=\"startCol-5 endCol-5 valign-top headrow\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th></tr>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top align-left border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\"><b>31 December 2023 </b></th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Level 1 </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Level 2 </b></th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Level 3 </b></th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Total fair value </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Financial liabilities </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Derivatives </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Foreign exchange contracts </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">116 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">116 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Interest rate contracts </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">- Swaps </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">9,766 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">9,766 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">- Options </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">59 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">59 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">- Futures </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">90 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">91 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Equity index contracts </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">79 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">79 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Inflation linked swaps </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">21 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">21 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>90 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>10,041 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>10,132 </b></td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total financial liabilities measured at fair value </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>90 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>10,041 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>10,132 </b></td></tr></tbody></table> <br/>\n<h3 class=\"table-title\">Breakdown of financial assets measured at fair value </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:auto;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/></colgroup><thead>\n<tr style=\"border:none;\"><th class=\"startCol-1 endCol-1 valign-top border-right-1 headrow\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;border-bottom:1px solid;\"><b>Fair value based on quoted prices in an active market </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;border-bottom:1px solid;\"><b>Fair value based on observable market data </b></th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 headrow\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;border-bottom:1px solid;\"><b>Fair value not based on observable market data </b></th><th class=\"startCol-5 endCol-5 valign-top headrow\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th></tr>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top align-left border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\"><b>31 December 2022 </b></th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Level 1 </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Level 2 </b></th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Level 3 </b></th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Total fair value </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Investments at FVTPL </b></td><td class=\"startCol-2 endCol-2 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\"><b>Investments - transferred under repurchase agreements </b></td><td class=\"startCol-2 endCol-2 valign-top\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\">Government bonds </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1\" style=\"text-align:right;vertical-align:bottom;\">437 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1\" style=\"text-align:right;vertical-align:bottom;\">437 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>437 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>437 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Investments - own risk </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Real estate equity funds </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">4,092 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">4,092 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Mortgage equity funds </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,008 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,008 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Government bonds </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">8,646 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">204 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">22 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">8,872 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Corporate bonds </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">7,149 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">117 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">6 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">7,272 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Asset-backed securities </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">6 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">407 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">413 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Other investment funds </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">759 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">705 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">141 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,605 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Equities </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">67 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">67 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Mortgage loans </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">9,074 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">9,074 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Private loans </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,668 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">4,507 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">15 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">6,191 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>18,296 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>5,534 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>14,765 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>38,594 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Investments related to direct participating insurance contracts </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Real estate equity funds </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">170 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">170 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Mortgage equity funds </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">252 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">252 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Government bonds </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,543 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,543 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Corporate bonds </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,386 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,386 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Equities </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">6,486 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">6,486 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Other investments </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">72 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">4 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">76 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>9,657 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>4 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>252 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>9,912 </b></td></tr></tbody></table> <br/>\n<h3 class=\"table-title\">Breakdown of financial assets measured at fair value </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:auto;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/></colgroup><thead>\n<tr style=\"border:none;\"><th class=\"startCol-1 endCol-1 valign-top border-right-1 headrow\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;border-bottom:1px solid;\"><b>Fair value based on quoted prices in an active market </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;border-bottom:1px solid;\"><b>Fair value based on observable market data </b></th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 headrow\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;border-bottom:1px solid;\"><b>Fair value not based on observable market data </b></th><th class=\"startCol-5 endCol-5 valign-top headrow\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th></tr>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top align-left border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\"><b>31 December 2022 </b></th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Level 1 </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Level 2 </b></th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Level 3 </b></th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Total fair value </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Investments at FVOCI </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Equities </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,676 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">67 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,743 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Preference shares </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">293 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">5 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">297 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Other participating contracts </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">6 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">6 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>1,683 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>293 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>71 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>2,046 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Derivatives </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Foreign exchange contracts </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">80 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">80 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Interest rate contracts </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">- Swaps </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">5,116 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">5,116 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">- Options </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">275 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">275 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">- Futures </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">102 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">113 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">215 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Equity index contracts </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">31 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">31 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Inflation linked swaps </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">44 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">44 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>133 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>5,628 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>5,761 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Cash and cash equivalents </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1\" style=\"text-align:right;vertical-align:bottom;\">2,246 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1\" style=\"text-align:right;vertical-align:bottom;\">2,246 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total financial assets measured at fair value </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>32,451 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>11,458 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>15,088 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>58,996 </b></td></tr></tbody></table> <br/>\n<h3 class=\"table-title\">Breakdown of financial liabilities measured at fair value </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:0%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:14%;\"/></colgroup><thead>\n<tr style=\"border:none;\"><th class=\"startCol-1 endCol-1 valign-top border-right-1 headrow\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;border-bottom:1px solid;\"><b>Fair value based on quoted prices in an active market </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;border-bottom:1px solid;\"><b>Fair value based on observable market data </b></th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 headrow\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;border-bottom:1px solid;\"><b>Fair value not based on observable market data </b></th><th class=\"startCol-5 endCol-5 valign-top headrow\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th></tr>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top align-left border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\"><b>31 December 2022 </b></th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Level 1 </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Level 2 </b></th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Level 3 </b></th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Total fair value </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Financial liabilities </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Derivatives </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Foreign exchange contracts </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">29 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">29 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Interest rate contracts </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">- Swaps </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">5,653 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">5,653 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>5,681 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>5,681 </b></td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total financial liabilities measured at fair value </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>5,681 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>5,681 </b></td></tr></tbody></table> <br/>\n<p>Cash and cash equivalents are classified as level 1 when not subject to restrictions. </p>\n<h3 class=\"table-title\">Reclassification between categories </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:0%;\"/><col style=\"width:12%;\"/><col style=\"width:12%;\"/><col style=\"width:12%;\"/><col style=\"width:12%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;\"><b>2023 </b></th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>To level 1 </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>To level 2 </b></th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>To level 3 </b></th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Total </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>From </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Level 1: Fair value based on quoted prices in active market </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">125 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>125 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Level 2: Fair value based on observable market data </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">145 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>145 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Level 3: Fair value not based on observable market data </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td></tr></tbody></table> <br/>\n<p>Debt instrument funds are adjusted from level 2 to level 1 (\u20ac\u00a0145 million) and from level 1 to level 2 (\u20ac\u00a0125 million). Those movements are based respectively on increased and decreased observability of the inputs during the period. </p>\n<h3 class=\"table-title\">Reclassification between categories </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:0%;\"/><col style=\"width:12%;\"/><col style=\"width:12%;\"/><col style=\"width:12%;\"/><col style=\"width:12%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;\"><b>2022 </b></th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>To level 1 </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>To level 2 </b></th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>To level 3 </b></th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Total </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>From </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Level 1: Fair value based on quoted prices in active market </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">51 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">35 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>85 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Level 2: Fair value based on observable market data </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Level 3: Fair value not based on observable market data </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td></tr></tbody></table> <br/>\n<p>Debt instrument funds are adjusted from level 1 to level 2 (\u20ac\u00a051 million) and from level 1 to level 3 (\u20ac\u00a035 million). Those movements are based on decreased observability of the inputs during the period. </p>\n<p>The following two tables show the movement in financial assets measured at fair value including investments relating to direct participating insurance contracts and investment property that are categorised within level 3. </p>\n<h3 class=\"table-title\">Changes in financial assets classified as FVOCI categorised within level 3 </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:0%;\"/><col style=\"width:14%;\"/><col style=\"width:14%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>2023 </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>2022 </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">At 1 January </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">71 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">66 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Unrealised gains and losses recognised in other comprehensive income </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-9 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">6 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>At 31 December </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>62 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>71 </b></td></tr></tbody></table> <br/>\n<h3 class=\"table-title\">Changes in financial assets at FVTPL categorised within level 3 </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:0%;\"/><col style=\"width:14%;\"/><col style=\"width:14%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>2023 </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>2022 </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">At 1 January </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">15,016 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">15,361 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Changes in value of investments, realised/unrealised gains and losses: </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">- Fair value gains and losses </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">161 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-2,388 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Purchases </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">5,735 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">5,676 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Disposals </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-3,400 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-3,988 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Repayments </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-1,357 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-1,137 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Reclassification of investments from/to level 3 valuation technique </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">35 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Net transfer of real estate equity funds </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,456 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Exchange rate differences </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-6 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Other changes </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-170 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Changes in the composition of the group </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">21,571 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>At 31 December </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>37,551 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>15,016 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total revaluations of investments, held at end of period, recognised in the income statement </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>220 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-2,207 </b></td></tr></tbody></table> <br/>\n<p>Changes in the composition of the group relate to the acquisition of Aegon NL, see <a href=\"#n1287134\" title=\"Acquisitions\">chapter 7.4.5</a>. </p>\n<div class=\"header header-2\">Unobservable inputs used in determining the fair value for financial assets measured at fair value (recurring basis) that are categorised within level 3 </div>\n<div class=\"header header-4\">Investments at FVOCI </div>\n<p>The main non-observable market input for the equities classified as level 3 is the net asset value as published by the investee. It is estimated that a 10% increase in valuation of these equities would have no impact on net result due to the non-recycling nature of equity treatment, but would increase equity by \u20ac\u00a06 million (2022: \u20ac\u00a07 million), being approximately 0.1% (before tax) (2022: 0.1% (before tax)) of total equity. </p>\n<div class=\"header header-4\">Investments at FVTPL </div>\n<p>The mortgage loan portfolio is classified as level 3 'not measured on the basis of market observable market data'. Non-observable market inputs are used in the valuation methods, in addition to the observable market inputs. The valuation method used to determine the fair value of the mortgage loan portfolio is based on the mortgage spread of the risk-free interest rate curve and assumptions for unexpected full prepayments, originating costs, and the options related to early redemption and moving. A slight increase in the mortgage spread used would result in a significant decrease in fair value, and vice versa. </p>\n<p>The mortgage loan portfolio consists of high quality mortgages with a relatively fixed return, limited arrears. The mortgage loan portfolio consists only of Dutch mortgages with a limited counterparty default risk in line with the strategic investment plan, see <a href=\"#n1288197\" title=\"Counterparty default risk\">chapter 7.8.4</a>. </p>\n<p>The fair value of asset-backed securities is based on quotes retrieved from brokers or data vendors. The quotes are validated monthly and challenged if deemed necessary. The fair value of securitizations are determined based on a discounted cash flow model in case market quotes are insufficiently liquid. </p>\n<p>The main non-observable market input for the other investment funds classified as level 3 is the net asset value as published by the investee. It is estimated that a 10% increase in valuation of these equities would increase result before tax and equity by \u20ac\u00a057 million (2022: \u20ac\u00a014 million), being approximately 0.6% (before tax) (2022: 0.2% (before tax)) of total equity. </p>\n<p>The method of determining the fair value of the mortgage equity funds is based on the valuation of the underlying mortgage loans. The discounting curve used in this valuation is based on the two lowest tariffs in the market, excluding a.s.r.'s. </p>\n<p>The table below discloses the sensitivities to non-observable market inputs for the real estate equity funds. </p>\n<h3 class=\"table-title\">Unobservable and observable inputs used in determination of fair value </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:0%;\"/><col style=\"width:7%;\"/><col style=\"width:9.5%;\"/><col style=\"width:6.5%;\"/><col style=\"width:12%;\"/><col style=\"width:6.5%;\"/><col style=\"width:8%;\"/><col style=\"width:8%;\"/><col style=\"width:6%;\"/><col style=\"width:6%;\"/><col style=\"width:6%;\"/></colgroup><thead>\n<tr style=\"border:none;\"><th class=\"startCol-1 endCol-8 valign-bottom align-left border-right-1 colspan-8 headrow\" colspan=\"8\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;border-bottom:1px solid;\"><b>31 December 2023 </b></th><th class=\"startCol-9 endCol-11 valign-bottom align-right border-left-1 border-right-1 colspan-3 headrow\" colspan=\"3\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;border-bottom:1px solid;\">Change in theoretical rental value </th></tr>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Fair value </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Valuation technique </b></th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Gross </b></th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b> <br/>Gross theoretical rental value (\u20ac) </b></th><th class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Gross </b></th><th class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Gross yield (%) </b></th><th class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Change in yield </b></th><th class=\"startCol-9 endCol-9 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>-5% </b></th><th class=\"startCol-10 endCol-10 valign-bottom align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>0% </b></th><th class=\"startCol-11 endCol-11 valign-bottom align-right border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>5% </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\"><b>Investments at fair value through profit or loss </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-8 endCol-8 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-9 endCol-9 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-10 endCol-10 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-11 endCol-11 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">Real estate equity funds associates </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">3,357 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">DCF </td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-middle align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">116,418,080 </td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-middle align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">3.5% </td><td class=\"startCol-8 endCol-8 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">-5% </td><td class=\"startCol-9 endCol-9 valign-middle align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-10 endCol-10 valign-middle align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">177 </td><td class=\"startCol-11 endCol-11 valign-middle align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">353 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-8 endCol-8 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">0% </td><td class=\"startCol-9 endCol-9 valign-middle align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">-168 </td><td class=\"startCol-10 endCol-10 valign-middle align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-11 endCol-11 valign-middle align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">168 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-8 endCol-8 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">5% </td><td class=\"startCol-9 endCol-9 valign-middle align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">-320 </td><td class=\"startCol-10 endCol-10 valign-middle align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">-160 </td><td class=\"startCol-11 endCol-11 valign-middle align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">Real estate equity funds third parties </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">2,023 </td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-8 endCol-8 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-9 endCol-9 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-10 endCol-10 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-11 endCol-11 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total real estate equity funds </b></td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\"><b>5,380 </b></td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-8 endCol-8 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-9 endCol-9 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-10 endCol-10 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-11 endCol-11 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr></tbody></table><br/>\n<p>In this table, the real estate equity funds associates acquired through the acquisition of Aegon NL are classified as real estate equity funds third parties. </p>\n<h3 class=\"table-title\">Unobservable and observable inputs used in determination of fair value </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:0%;\"/><col style=\"width:7%;\"/><col style=\"width:9.5%;\"/><col style=\"width:6.5%;\"/><col style=\"width:12%;\"/><col style=\"width:6.5%;\"/><col style=\"width:8%;\"/><col style=\"width:8%;\"/><col style=\"width:6%;\"/><col style=\"width:6%;\"/><col style=\"width:6%;\"/></colgroup><thead>\n<tr style=\"border:none;\"><th class=\"startCol-1 endCol-8 valign-bottom align-left border-right-1 colspan-8 headrow\" colspan=\"8\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;border-bottom:1px solid;\"><b>31 December 2022 </b></th><th class=\"startCol-9 endCol-11 valign-bottom align-right border-left-1 border-right-1 colspan-3 headrow\" colspan=\"3\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;border-bottom:1px solid;\">Change in theoretical rental value </th></tr>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Fair value </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Valuation technique </b></th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Gross </b></th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b> <br/>Gross theoretical rental value (\u20ac) </b></th><th class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Gross </b></th><th class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Gross yield (%) </b></th><th class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Change in yield </b></th><th class=\"startCol-9 endCol-9 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>-5% </b></th><th class=\"startCol-10 endCol-10 valign-bottom align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>0% </b></th><th class=\"startCol-11 endCol-11 valign-bottom align-right border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>5% </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\"><b>Investments at fair value through profit or loss </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-8 endCol-8 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-9 endCol-9 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-10 endCol-10 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-11 endCol-11 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">Real estate equity funds associates </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">3,557 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">DCF </td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-middle align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">110,918,322 </td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-middle align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">3.1% </td><td class=\"startCol-8 endCol-8 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">-5% </td><td class=\"startCol-9 endCol-9 valign-middle align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-10 endCol-10 valign-middle align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">187 </td><td class=\"startCol-11 endCol-11 valign-middle align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">374 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-8 endCol-8 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">0% </td><td class=\"startCol-9 endCol-9 valign-middle align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">-178 </td><td class=\"startCol-10 endCol-10 valign-middle align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-11 endCol-11 valign-middle align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">178 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-8 endCol-8 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">5% </td><td class=\"startCol-9 endCol-9 valign-middle align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">-339 </td><td class=\"startCol-10 endCol-10 valign-middle align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">-169 </td><td class=\"startCol-11 endCol-11 valign-middle align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">Real estate equity funds third parties </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">535 </td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-8 endCol-8 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-9 endCol-9 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-10 endCol-10 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-11 endCol-11 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total real estate equity funds </b></td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>4,092 </b></td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-8 endCol-8 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-9 endCol-9 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-10 endCol-10 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-11 endCol-11 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr></tbody></table><br/>\n<p>The main non-observable market input for the real estate equity funds third parties is the net asset value as published by the investee. An increase or decrease in the net asset value of equities classified as level 3 will have a direct proportional impact on the fair value of the investment. </p>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n1285283\"><span class=\"number\">7.7.1.2 </span><span class=\"title-text\">Financial assets and liabilities not measured at fair value </span></h1>\n<h3 class=\"table-title\">Breakdown of financial assets and liabilities not measured at fair value </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:0%;\"/><col style=\"width:14%;\"/><col style=\"width:14%;\"/><col style=\"width:14%;\"/><col style=\"width:14%;\"/><col style=\"width:14%;\"/></colgroup><thead>\n<tr style=\"border:none;\"><th class=\"startCol-1 endCol-1 valign-top border-right-1 headrow\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;border-bottom:1px solid;\"><b>Fair value based on quoted prices in an active market </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;border-bottom:1px solid;\"><b>Fair value based on observable market data </b></th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 headrow\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;border-bottom:1px solid;\"><b>Fair value not based on observable market data </b></th><th class=\"startCol-5 endCol-5 valign-top headrow\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-6 endCol-6 valign-top headrow\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th></tr>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;\"><b>31 December 2023 </b></th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Level 1 </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Level 2 </b></th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Level 3 </b></th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Total fair value </b></th><th class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Total carrying value </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Financial assets </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Mortgage loans </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">14,308 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">14,308 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">14,590 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Private loans </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">178 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">178 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">185 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Other financial assets </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">494 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">599 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1,093 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1,092 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total financial assets not measured at fair value </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>494 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>599 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>14,485 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>15,578 </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>15,867 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Financial liabilities </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Subordinated liabilities </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,118 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,118 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,005 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Borrowings </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">6,365 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">88 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">6,453 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">6,384 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Savings deposits </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">12,121 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">12,121 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">11,967 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Due to banks </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">4,312 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">200 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">4,512 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">4,512 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Other financial liabilities </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">54 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">189 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">243 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">237 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total financial liabilities not measured at fair value </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>4,366 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>8,872 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>12,209 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>25,447 </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>25,104 </b></td></tr></tbody></table> <br/>\n<h3 class=\"table-title\">Breakdown of financial assets and liabilities not measured at fair value </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:0%;\"/><col style=\"width:14%;\"/><col style=\"width:14%;\"/><col style=\"width:14%;\"/><col style=\"width:14%;\"/><col style=\"width:14%;\"/></colgroup><thead>\n<tr style=\"border:none;\"><th class=\"startCol-1 endCol-1 valign-top border-right-1 headrow\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;border-bottom:1px solid;\"><b>Fair value based on quoted prices in an active market </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;border-bottom:1px solid;\"><b>Fair value based on observable market data </b></th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 headrow\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;border-bottom:1px solid;\"><b>Fair value not based on observable market data </b></th><th class=\"startCol-5 endCol-5 valign-top headrow\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-6 endCol-6 valign-top headrow\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th></tr>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;\"><b>31 December 2022 </b></th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Level 1 </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Level 2 </b></th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Level 3 </b></th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Total fair value </b></th><th class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Total carrying value </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Financial assets </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Other financial assets </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">27 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">220 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">247 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">247 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total financial assets not measured at fair value </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>27 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>220 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>247 </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>247 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Financial liabilities </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Subordinated liabilities </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,950 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,950 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2,005 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Borrowings </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">123 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">62 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">185 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">188 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Due to banks </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2,189 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">75 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2,264 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2,264 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Other financial liabilities </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">9 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">46 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">55 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">55 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total financial liabilities not measured at fair value </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>2,198 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>2,194 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>62 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>4,454 </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>4,512 </b></td></tr></tbody></table> <br/>\n<p>The method of determining the fair value of the mortgage loans at amortised cost is the same to that of mortgage loans held at FVTPL. For information regarding the measurement of the fair value of the mortgage loans, see <a href=\"#n1285259\" title=\"Financial assets and liabilities measured at fair value\">chapter 7.7.1.1</a>. </p>\n<p>Amounts due to banks classified as level 1 primarily comprise the liability recognised for the cash collateral received. </p>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n1285306\"><span class=\"number\">7.7.1.3 </span><span class=\"title-text\">Property (including land and buildings for own use and plant) </span></h1>\n<h3 class=\"table-title\">Breakdown of the fair value of the investment property, land and buildings for own use and plant </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:auto;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/></colgroup><thead>\n<tr style=\"border:none;\"><th class=\"startCol-1 endCol-1 valign-top border-right-1 headrow\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;border-bottom:1px solid;\"><b>Fair value based on quoted prices in an active market </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;border-bottom:1px solid;\"><b>Fair value based on observable market data </b></th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 headrow\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;border-bottom:1px solid;\"><b>Fair value not based on observable market data </b></th><th class=\"startCol-5 endCol-5 valign-top headrow\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th></tr>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;\">31 December 2023 </th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Level 1 </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Level 2 </b></th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Level 3 </b></th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Total fair value </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Investment property </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">3,051 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">3,051 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Land and buildings for own use </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">168 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">168 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Plants </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">417 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">417 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>3,636 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>3,636 </b></td></tr></tbody></table> <br/>\n<h3 class=\"table-title\">Breakdown of the fair value of the investment property, land and buildings for own use and plant </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:auto;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/></colgroup><thead>\n<tr style=\"border:none;\"><th class=\"startCol-1 endCol-1 valign-top border-right-1 headrow\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;border-bottom:1px solid;\"><b>Fair value based on quoted prices in an active market </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;border-bottom:1px solid;\"><b>Fair value based on observable market data </b></th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 headrow\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;border-bottom:1px solid;\"><b>Fair value not based on observable market data </b></th><th class=\"startCol-5 endCol-5 valign-top headrow\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th></tr>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;\">31 December 2022 </th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Level 1 </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Level 2 </b></th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Level 3 </b></th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Total fair value </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Investment property </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">664 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">664 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Land and buildings for own use </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">115 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">115 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Plants </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">480 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">480 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>1,259 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>1,259 </b></td></tr></tbody></table> <br/>\n<p>The property portfolio are classified as a level 3 \u2018not measured on the basis of market observable market data\u2019. Non- observable market inputs are used in the valuation methods, in addition to the observable market inputs. The fair value measurement at reporting date is based on valuations by independent professional appraisers. These valuations have been performed annually, with quarterly updates, for the entire portfolio of investment property, buildings for own use and plant. Independent professional appraisers use reference transactions of comparable properties, in combination with the DCF and income capitalisation method, to determine the fair value of the property or plant. The reference transactions of comparable objects of the property portfolio are generally based on observable data consisting of the land register \u2018Kadaster\u2019 and the rural land price monitor as published by the Dutch Government \u2018Grondprijsmonitor\u2019 in an active property market. </p>\n<p>The property has a relatively fixed return. The property portfolio is well diversified and consists of residential, retail, offices and rural property, throughout the Netherlands. The retail portfolio focusses on high street locations with relative low vacancy rates. The following table shows a breakdown of the fair value and vacancy rates of the portfolio of investment property. </p>\n<h3 class=\"table-title\">Breakdown of investment property </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:0%;\"/><col style=\"width:17%;\"/><col style=\"width:17%;\"/><col style=\"width:14%;\"/><col style=\"width:14%;\"/></colgroup><thead>\n<tr style=\"border:none;\"><th class=\"startCol-1 endCol-1 valign-top headrow\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 colspan-2 headrow\" colspan=\"2\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;border-bottom:1px solid;\">Fair value </th><th class=\"startCol-4 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 colspan-2 headrow\" colspan=\"2\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;border-bottom:1px solid;\">Vacancy rate </th></tr>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">31 December 2023 </th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">31 December 2022 </th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">2023 </th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">2022 </th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Retail </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">155 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">159 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">3.9% </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">3.1% </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-right-1\" style=\"text-align:left;vertical-align:bottom;\">Residential </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-left-1 border-right-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,347 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:bottom;\">1 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-left-1 border-right-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1.7% </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-left-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-right-1\" style=\"text-align:left;vertical-align:bottom;\">Rural </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-left-1 border-right-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">207 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:bottom;\">202 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-left-1 border-right-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-left-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-right-1\" style=\"text-align:left;vertical-align:bottom;\">Offices </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-left-1 border-right-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">287 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:bottom;\">290 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-left-1 border-right-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">10.4% </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-left-1\" style=\"text-align:right;vertical-align:bottom;\">8.4% </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-right-1\" style=\"text-align:left;vertical-align:bottom;\">Property under development </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-left-1 border-right-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">43 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-left-1 border-right-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">100.0% </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-left-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-right-1\" style=\"text-align:left;vertical-align:bottom;\">Parking </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">13 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1\" style=\"text-align:right;vertical-align:bottom;\">13 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>3,051 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>664 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>3.9% </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>3.5% </b></td></tr></tbody></table> <br/>\n<p>The movements in plant and investment property measured at fair value (recurring basis) that are categorised within level 3 are presented in <a href=\"#n1289289\" title=\"Property, plant and equipment\">chapter 7.5.2</a> and <a href=\"#n1289316\" title=\"Investment property\">chapter 7.5.3</a>. </p>\n<p>Significant inputs to the Level 3 values of investment property are the net initial yield and market rental value. These inputs are verified with the following market observable data: </p><ul><li>\n<p>Market rent per square meter for renewals and their respective re-letting rates; </p></li><li>\n<p>Reviewed rent per square meter; </p></li><li>\n<p>Investment transaction of comparable objects; </p></li><li>\n<p>The 10 year Dutch Government Bond Yield (%) rate as published by the DNB. </p></li></ul>\n<p>The significant unobservable and observable inputs to the Level 3 values of plant are the energy prices and market interest rates. An increase (decrease) of the discount rate will lead to a lower (higher) fair value measurement </p>\n<p>The table below discloses the sensitivities to non-observable market inputs for the property portfolio (excluding property under development, parking and plant). </p>\n<h3 class=\"table-title\">Unobservable and observable inputs used in determination of fair value </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:0%;\"/><col style=\"width:7%;\"/><col style=\"width:8%;\"/><col style=\"width:6%;\"/><col style=\"width:12%;\"/><col style=\"width:6%;\"/><col style=\"width:7%;\"/><col style=\"width:7%;\"/><col style=\"width:5.5%;\"/><col style=\"width:5.5%;\"/><col style=\"width:5.5%;\"/></colgroup><thead>\n<tr style=\"border:none;\"><th class=\"startCol-1 endCol-8 valign-bottom align-left border-right-1 colspan-8 headrow\" colspan=\"8\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;border-bottom:1px solid;\"><b>31 December 2023 </b></th><th class=\"startCol-9 endCol-11 valign-bottom align-right border-left-1 border-right-1 colspan-3 headrow\" colspan=\"3\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;border-bottom:1px solid;\">Change in theoretical rental value </th></tr>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Fair value </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Valuation technique </b></th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Gross </b></th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b> <br/>Gross theoretical rental value (\u20ac) </b></th><th class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Gross </b></th><th class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Gross yield (%) </b></th><th class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Change in yield </b></th><th class=\"startCol-9 endCol-9 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>-5% </b></th><th class=\"startCol-10 endCol-10 valign-bottom align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>0% </b></th><th class=\"startCol-11 endCol-11 valign-bottom align-right border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>5% </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\"><b>Investment property - Fair value model </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-8 endCol-8 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-9 endCol-9 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-10 endCol-10 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-11 endCol-11 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">Retail </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">155 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">DCF </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">total </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">11,834,440 </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">mean </td><td class=\"startCol-7 endCol-7 valign-middle align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">7.6% </td><td class=\"startCol-8 endCol-8 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">-5% </td><td class=\"startCol-9 endCol-9 valign-middle align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-10 endCol-10 valign-middle align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">8 </td><td class=\"startCol-11 endCol-11 valign-middle align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">16 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-middle align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">max </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">1,775,241 </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">max </td><td class=\"startCol-7 endCol-7 valign-middle align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">10.4% </td><td class=\"startCol-8 endCol-8 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">0% </td><td class=\"startCol-9 endCol-9 valign-middle align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">-8 </td><td class=\"startCol-10 endCol-10 valign-middle align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-11 endCol-11 valign-middle align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">8 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-middle align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">min </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">9,149 </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">min </td><td class=\"startCol-7 endCol-7 valign-middle align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">3.6% </td><td class=\"startCol-8 endCol-8 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">5% </td><td class=\"startCol-9 endCol-9 valign-middle align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">-15 </td><td class=\"startCol-10 endCol-10 valign-middle align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">-7 </td><td class=\"startCol-11 endCol-11 valign-middle align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">Residential </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">2,347 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">DCF </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">total </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">107,232,363 </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">mean </td><td class=\"startCol-7 endCol-7 valign-middle align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">4.6% </td><td class=\"startCol-8 endCol-8 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">-5% </td><td class=\"startCol-9 endCol-9 valign-middle align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-10 endCol-10 valign-middle align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">124 </td><td class=\"startCol-11 endCol-11 valign-middle align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">247 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-middle align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">max </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">5,277,404 </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">max </td><td class=\"startCol-7 endCol-7 valign-middle align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">25.9% </td><td class=\"startCol-8 endCol-8 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">0% </td><td class=\"startCol-9 endCol-9 valign-middle align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">-117 </td><td class=\"startCol-10 endCol-10 valign-middle align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-11 endCol-11 valign-middle align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">117 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-middle align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">min </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">4,807 </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">min </td><td class=\"startCol-7 endCol-7 valign-middle align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">2.6% </td><td class=\"startCol-8 endCol-8 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">5% </td><td class=\"startCol-9 endCol-9 valign-middle align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">-223 </td><td class=\"startCol-10 endCol-10 valign-middle align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">-112 </td><td class=\"startCol-11 endCol-11 valign-middle align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">Rural </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">207 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">DCF </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">total </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">5,675,431 </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">mean </td><td class=\"startCol-7 endCol-7 valign-middle align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">2.7% </td><td class=\"startCol-8 endCol-8 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">-5% </td><td class=\"startCol-9 endCol-9 valign-middle align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-10 endCol-10 valign-middle align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">11 </td><td class=\"startCol-11 endCol-11 valign-middle align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">22 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-middle align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">max </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">733,743 </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">max </td><td class=\"startCol-7 endCol-7 valign-middle align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">7.1% </td><td class=\"startCol-8 endCol-8 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">0% </td><td class=\"startCol-9 endCol-9 valign-middle align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">-10 </td><td class=\"startCol-10 endCol-10 valign-middle align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-11 endCol-11 valign-middle align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">10 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-middle align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">min </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">3,578 </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">min </td><td class=\"startCol-7 endCol-7 valign-middle align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">0.5% </td><td class=\"startCol-8 endCol-8 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">5% </td><td class=\"startCol-9 endCol-9 valign-middle align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">-20 </td><td class=\"startCol-10 endCol-10 valign-middle align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">-10 </td><td class=\"startCol-11 endCol-11 valign-middle align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">Offices </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">287 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">DCF </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">total </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">19,006,243 </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">mean </td><td class=\"startCol-7 endCol-7 valign-middle align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">6.6% </td><td class=\"startCol-8 endCol-8 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">-5% </td><td class=\"startCol-9 endCol-9 valign-middle align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-10 endCol-10 valign-middle align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">15 </td><td class=\"startCol-11 endCol-11 valign-middle align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">30 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-middle align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">max </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">6,246,961 </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">max </td><td class=\"startCol-7 endCol-7 valign-middle align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">9.6% </td><td class=\"startCol-8 endCol-8 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">0% </td><td class=\"startCol-9 endCol-9 valign-middle align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">-14 </td><td class=\"startCol-10 endCol-10 valign-middle align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-11 endCol-11 valign-middle align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">14 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-middle align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">min </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">58,024 </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">min </td><td class=\"startCol-7 endCol-7 valign-middle align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">3.9% </td><td class=\"startCol-8 endCol-8 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">5% </td><td class=\"startCol-9 endCol-9 valign-middle align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">-27 </td><td class=\"startCol-10 endCol-10 valign-middle align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">-14 </td><td class=\"startCol-11 endCol-11 valign-middle align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">Property under development </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">42 </td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-8 endCol-8 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-9 endCol-9 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-10 endCol-10 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-11 endCol-11 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-8 endCol-8 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-9 endCol-9 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-10 endCol-10 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-11 endCol-11 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">Parking </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">13 </td><td class=\"startCol-3 endCol-3 valign-top border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-8 endCol-8 valign-top border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-9 endCol-9 valign-top border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-10 endCol-10 valign-top border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-11 endCol-11 valign-top border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-8 endCol-8 valign-top border-left-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-9 endCol-9 valign-top border-left-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-10 endCol-10 valign-top format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-11 endCol-11 valign-top format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-left-1 border-right-1\" style=\"text-align:left;vertical-align:middle;\"><b>Land and buildings for own use </b></td><td class=\"startCol-2 endCol-2 valign-middle align-right border-left-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\"><b>167 </b></td><td class=\"startCol-3 endCol-3 valign-middle align-right format-highlight\" style=\"text-align:right;vertical-align:middle;\">DCF </td><td class=\"startCol-4 endCol-4 valign-middle align-right format-highlight\" style=\"text-align:right;vertical-align:middle;\">total </td><td class=\"startCol-5 endCol-5 valign-middle align-right format-highlight\" style=\"text-align:right;vertical-align:middle;\">14,446,774 </td><td class=\"startCol-6 endCol-6 valign-middle align-right format-highlight\" style=\"text-align:right;vertical-align:middle;\">mean </td><td class=\"startCol-7 endCol-7 valign-middle align-right border-right-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">8.9% </td><td class=\"startCol-8 endCol-8 valign-middle align-right border-left-1 border-right-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">-5% </td><td class=\"startCol-9 endCol-9 valign-middle align-right border-left-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-10 endCol-10 valign-middle align-right format-highlight\" style=\"text-align:right;vertical-align:middle;\">9 </td><td class=\"startCol-11 endCol-11 valign-middle align-right format-highlight\" style=\"text-align:right;vertical-align:middle;\">17 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-middle align-right border-bottom-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">max </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-bottom-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">8,645,359 </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-bottom-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">max </td><td class=\"startCol-7 endCol-7 valign-middle align-right border-bottom-1 border-right-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">17.4% </td><td class=\"startCol-8 endCol-8 valign-middle align-right border-bottom-1 border-left-1 border-right-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">0% </td><td class=\"startCol-9 endCol-9 valign-middle align-right border-bottom-1 border-left-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">-8 </td><td class=\"startCol-10 endCol-10 valign-middle align-right border-bottom-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-11 endCol-11 valign-middle align-right border-bottom-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">8 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-middle align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">min </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">1,542,905 </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">min </td><td class=\"startCol-7 endCol-7 valign-middle align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">6.9% </td><td class=\"startCol-8 endCol-8 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">5% </td><td class=\"startCol-9 endCol-9 valign-middle align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">-15 </td><td class=\"startCol-10 endCol-10 valign-middle align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">-8 </td><td class=\"startCol-11 endCol-11 valign-middle align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-8 endCol-8 valign-top border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-9 endCol-9 valign-top border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-10 endCol-10 valign-top border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-11 endCol-11 valign-top border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:middle;\"><b>Plant </b></td><td class=\"startCol-2 endCol-2 valign-middle align-right border-left-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\"><b>417 </b></td><td class=\"startCol-3 endCol-3 valign-top format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-8 endCol-8 valign-top border-left-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-9 endCol-9 valign-top border-left-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-10 endCol-10 valign-top format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-11 endCol-11 valign-top format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-8 endCol-8 valign-top border-bottom-1 border-left-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-9 endCol-9 valign-top border-bottom-1 border-left-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-10 endCol-10 valign-top border-bottom-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-11 endCol-11 valign-top border-bottom-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>3,636 </b></td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-8 endCol-8 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-9 endCol-9 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-10 endCol-10 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-11 endCol-11 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr></tbody></table><br/>\n<h3 class=\"table-title\">Unobservable and observable inputs used in determination of fair value </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:0%;\"/><col style=\"width:7%;\"/><col style=\"width:8%;\"/><col style=\"width:6%;\"/><col style=\"width:12%;\"/><col style=\"width:6%;\"/><col style=\"width:7%;\"/><col style=\"width:7%;\"/><col style=\"width:5.5%;\"/><col style=\"width:5.5%;\"/><col style=\"width:5.5%;\"/></colgroup><thead>\n<tr style=\"border:none;\"><th class=\"startCol-1 endCol-8 valign-bottom align-left border-right-1 colspan-8 headrow\" colspan=\"8\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;border-bottom:1px solid;\"><b>31 December 2022 </b></th><th class=\"startCol-9 endCol-11 valign-bottom align-right border-left-1 border-right-1 colspan-3 headrow\" colspan=\"3\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;border-bottom:1px solid;\">Change in theoretical rental value </th></tr>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Fair value </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Valuation technique </b></th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Gross </b></th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b> <br/>Gross theoretical rental value (\u20ac) </b></th><th class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Gross </b></th><th class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Gross yield (%) </b></th><th class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Change in yield </b></th><th class=\"startCol-9 endCol-9 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>-5% </b></th><th class=\"startCol-10 endCol-10 valign-bottom align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>0% </b></th><th class=\"startCol-11 endCol-11 valign-bottom align-right border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>5% </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\"><b>Investment property - Fair value model </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-8 endCol-8 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-9 endCol-9 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-10 endCol-10 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-11 endCol-11 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">Retail </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">159 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">DCF </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">total </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">11,340,229 </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">mean </td><td class=\"startCol-7 endCol-7 valign-middle align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">7.1% </td><td class=\"startCol-8 endCol-8 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">-5% </td><td class=\"startCol-9 endCol-9 valign-middle align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-10 endCol-10 valign-middle align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">8 </td><td class=\"startCol-11 endCol-11 valign-middle align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">17 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-middle align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">max </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">1,641,470 </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">max </td><td class=\"startCol-7 endCol-7 valign-middle align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">9.6% </td><td class=\"startCol-8 endCol-8 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">0% </td><td class=\"startCol-9 endCol-9 valign-middle align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">-8 </td><td class=\"startCol-10 endCol-10 valign-middle align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-11 endCol-11 valign-middle align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">8 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-middle align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">min </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">14,940 </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">min </td><td class=\"startCol-7 endCol-7 valign-middle align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">3.7% </td><td class=\"startCol-8 endCol-8 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">5% </td><td class=\"startCol-9 endCol-9 valign-middle align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">-15 </td><td class=\"startCol-10 endCol-10 valign-middle align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">-8 </td><td class=\"startCol-11 endCol-11 valign-middle align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">Residential </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">1 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">DCF </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">total </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">76,600 </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">mean </td><td class=\"startCol-7 endCol-7 valign-middle align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">7.9% </td><td class=\"startCol-8 endCol-8 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">-5% </td><td class=\"startCol-9 endCol-9 valign-middle align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-10 endCol-10 valign-middle align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-11 endCol-11 valign-middle align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-middle align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">max </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">76,600 </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">max </td><td class=\"startCol-7 endCol-7 valign-middle align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">7.9% </td><td class=\"startCol-8 endCol-8 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">0% </td><td class=\"startCol-9 endCol-9 valign-middle align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-10 endCol-10 valign-middle align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-11 endCol-11 valign-middle align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-middle align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">min </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">76,600 </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">min </td><td class=\"startCol-7 endCol-7 valign-middle align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">7.9% </td><td class=\"startCol-8 endCol-8 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">5% </td><td class=\"startCol-9 endCol-9 valign-middle align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-10 endCol-10 valign-middle align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-11 endCol-11 valign-middle align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">Rural </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">202 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">DCF </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">total </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">4,754,747 </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">mean </td><td class=\"startCol-7 endCol-7 valign-middle align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">2.4% </td><td class=\"startCol-8 endCol-8 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">-5% </td><td class=\"startCol-9 endCol-9 valign-middle align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-10 endCol-10 valign-middle align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">11 </td><td class=\"startCol-11 endCol-11 valign-middle align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">21 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-middle align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">max </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">1,776,687 </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">max </td><td class=\"startCol-7 endCol-7 valign-middle align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">3.8% </td><td class=\"startCol-8 endCol-8 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">0% </td><td class=\"startCol-9 endCol-9 valign-middle align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">-10 </td><td class=\"startCol-10 endCol-10 valign-middle align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-11 endCol-11 valign-middle align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">10 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-middle align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">min </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">500 </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">min </td><td class=\"startCol-7 endCol-7 valign-middle align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">0.5% </td><td class=\"startCol-8 endCol-8 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">5% </td><td class=\"startCol-9 endCol-9 valign-middle align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">-19 </td><td class=\"startCol-10 endCol-10 valign-middle align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">-10 </td><td class=\"startCol-11 endCol-11 valign-middle align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">Offices </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">290 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">DCF </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">total </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">19,406,800 </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">mean </td><td class=\"startCol-7 endCol-7 valign-middle align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">6.7% </td><td class=\"startCol-8 endCol-8 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">-5% </td><td class=\"startCol-9 endCol-9 valign-middle align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-10 endCol-10 valign-middle align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">15 </td><td class=\"startCol-11 endCol-11 valign-middle align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">30 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-middle align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">max </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">5,280,212 </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">max </td><td class=\"startCol-7 endCol-7 valign-middle align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">9.8% </td><td class=\"startCol-8 endCol-8 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">0% </td><td class=\"startCol-9 endCol-9 valign-middle align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">-14 </td><td class=\"startCol-10 endCol-10 valign-middle align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-11 endCol-11 valign-middle align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">14 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-middle align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">min </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">52,513 </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">min </td><td class=\"startCol-7 endCol-7 valign-middle align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">4.4% </td><td class=\"startCol-8 endCol-8 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">5% </td><td class=\"startCol-9 endCol-9 valign-middle align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">-28 </td><td class=\"startCol-10 endCol-10 valign-middle align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">-14 </td><td class=\"startCol-11 endCol-11 valign-middle align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">Property under development </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-8 endCol-8 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-9 endCol-9 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-10 endCol-10 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-11 endCol-11 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-8 endCol-8 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-9 endCol-9 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-10 endCol-10 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-11 endCol-11 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">Parking </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">13 </td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-8 endCol-8 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-9 endCol-9 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-10 endCol-10 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-11 endCol-11 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-8 endCol-8 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-9 endCol-9 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-10 endCol-10 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-11 endCol-11 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-left-1 border-right-1\" style=\"text-align:left;vertical-align:middle;\"><b>Land and buildings for own use </b></td><td class=\"startCol-2 endCol-2 valign-middle align-right border-left-1\" style=\"text-align:right;vertical-align:middle;\"><b>115 </b></td><td class=\"startCol-3 endCol-3 valign-middle align-right\" style=\"text-align:right;vertical-align:middle;\">DCF </td><td class=\"startCol-4 endCol-4 valign-middle align-right\" style=\"text-align:right;vertical-align:middle;\">total </td><td class=\"startCol-5 endCol-5 valign-middle align-right\" style=\"text-align:right;vertical-align:middle;\">8,273,071 </td><td class=\"startCol-6 endCol-6 valign-middle align-right\" style=\"text-align:right;vertical-align:middle;\">mean </td><td class=\"startCol-7 endCol-7 valign-middle align-right border-right-1\" style=\"text-align:right;vertical-align:middle;\">7.5% </td><td class=\"startCol-8 endCol-8 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">-5% </td><td class=\"startCol-9 endCol-9 valign-middle align-right border-left-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-10 endCol-10 valign-middle align-right\" style=\"text-align:right;vertical-align:middle;\">6 </td><td class=\"startCol-11 endCol-11 valign-middle align-right\" style=\"text-align:right;vertical-align:middle;\">12 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-middle align-right border-bottom-1\" style=\"text-align:right;vertical-align:middle;\">max </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-bottom-1\" style=\"text-align:right;vertical-align:middle;\">8,273,071 </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-bottom-1\" style=\"text-align:right;vertical-align:middle;\">max </td><td class=\"startCol-7 endCol-7 valign-middle align-right border-bottom-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">7.5% </td><td class=\"startCol-8 endCol-8 valign-middle align-right border-bottom-1 border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">0% </td><td class=\"startCol-9 endCol-9 valign-middle align-right border-bottom-1 border-left-1\" style=\"text-align:right;vertical-align:middle;\">-5 </td><td class=\"startCol-10 endCol-10 valign-middle align-right border-bottom-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-11 endCol-11 valign-middle align-right border-bottom-1\" style=\"text-align:right;vertical-align:middle;\">5 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-middle align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">min </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">8,273,071 </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">min </td><td class=\"startCol-7 endCol-7 valign-middle align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">7.5% </td><td class=\"startCol-8 endCol-8 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">5% </td><td class=\"startCol-9 endCol-9 valign-middle align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">-10 </td><td class=\"startCol-10 endCol-10 valign-middle align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">-5 </td><td class=\"startCol-11 endCol-11 valign-middle align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-8 endCol-8 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-9 endCol-9 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-10 endCol-10 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-11 endCol-11 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:middle;\"><b>Plant </b></td><td class=\"startCol-2 endCol-2 valign-middle align-right\" style=\"text-align:right;vertical-align:middle;\"><b>480 </b></td><td class=\"startCol-3 endCol-3 valign-top\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-8 endCol-8 valign-top border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-9 endCol-9 valign-top border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-10 endCol-10 valign-top\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-11 endCol-11 valign-top\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-8 endCol-8 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-9 endCol-9 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-10 endCol-10 valign-top border-bottom-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-11 endCol-11 valign-top border-bottom-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>1,259 </b></td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-8 endCol-8 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-9 endCol-9 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-10 endCol-10 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-11 endCol-11 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr></tbody></table><br/>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfRepurchaseAndReverseRepurchaseAgreementsExplanatory",
    "language": "en",
    "entity": "scheme:7245000G0HS48PZWUD53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "ixv-662": {
   "value": "\n<h1 class=\"S_PARAGRAPH\" id=\"n1289488\"><span class=\"number\">7.5.7 </span><span class=\"title-text\">Derivatives </span></h1>\n<p>See accounting<a href=\"#n1286373\" title=\"E. Financial assets and financial liabilities\">policy E</a>. </p>\n<h3 class=\"table-title\">Derivatives </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:auto;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/></colgroup><thead>\n<tr style=\"border:none;\"><th class=\"startCol-1 endCol-1 valign-top border-right-1 headrow\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 colspan-2 headrow\" colspan=\"2\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;border-bottom:1px solid;\"><b>31 December 2023 </b></th><th class=\"startCol-4 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 colspan-2 headrow\" colspan=\"2\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;border-bottom:1px solid;\"><b>31 December 2022 </b></th></tr>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Asset </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Liability </b></th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Asset </b></th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Liability </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Derivatives not designated in a hedge </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">11,447 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">9,240 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">5,761 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">5,681 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Derivatives designated as fair value hedges </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1,461 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">892 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>12,907 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>10,132 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>5,761 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>5,681 </b></td></tr></tbody></table> <br/>\n<p>Derivatives consist primarily of derivatives used to hedge interest rate movements. Derivatives are classified mandatorily as FVTPL and changes in the fair value of derivatives at FVTPL are recorded in net fair value gains and (losses), see chapter <a href=\"#n1285996\" title=\"Net fair value gains and (losses)\">7.6.5</a>. </p>\n<p>Derivatives held for mortgage loans (Knab and Aegon hypotheken) are designated under fair value hedge accounting using the EU carve-out on hedge accounting, only net accounting ineffectiveness has an impact on the net result (for more information, see below under hedge accounting). </p>\n<p>a.s.r. trades both cleared and non-cleared derivatives on the basis of standardised contracts and exchanges cash variation margin with its counterparties. The derivatives are valued daily and cash collateral is exchanged to reflect the change in mark-to-market (MtM) of the derivatives. Because of this periodic margining process, counterparty risk on derivatives is negligible. </p>\n<p>In addition to the above variation margin obligations, there is also an initial margin obligation for central cleared derivatives which further reduces the risk of a.s.r. and its counterparties that they cannot fulfil their obligations. </p>\n<p>Notional amounts are not recognised as assets or liabilities in the balance sheet, however notional amounts are used in determining the fair value of the derivatives. Notional amounts do not reflect the potential gain or loss on a derivative transaction. </p>\n<h3 class=\"table-title\">Derivatives by type of instrument </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:0%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/></colgroup><thead>\n<tr style=\"border:none;\"><th class=\"startCol-1 endCol-1 valign-top border-right-1 headrow\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 colspan-3 headrow\" colspan=\"3\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;border-bottom:1px solid;\"><b>31 December 2023 </b></th><th class=\"startCol-5 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 colspan-3 headrow\" colspan=\"3\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;border-bottom:1px solid;\"><b>31 December 2022 </b></th></tr>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Asset </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Liability </b></th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Notional amount </b></th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Asset </b></th><th class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Liability </b></th><th class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Notional amount </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Foreign exchange contracts </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">57 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">116 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">4,936 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">80 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">29 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2,924 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Interest rate contracts </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">- Swaps </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">11,655 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">9,766 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">198,897 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">5,116 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">5,653 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">72,854 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">- Options </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">709 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">59 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">8,539 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">275 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2,781 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">- Futures </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">78 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">91 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">3,278 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">215 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,176 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Inflation linked swaps </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">358 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">21 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,794 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">44 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">290 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Equity index contracts </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">49 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">79 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">10,463 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">31 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">643 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Credit default swaps </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">45 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total derivatives </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>12,907 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>10,132 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>228,952 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>5,761 </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>5,681 </b></td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>80,667 </b></td></tr></tbody></table> <br/>\n<p>The derivatives do not include the derivatives relating to direct participating insurance contracts of \u20ac\u00a098 million (2022: nil). </p>\n<p>Derivatives increased due to the derivatives acquired through the acquisition of Aegon NL, see chapter <a href=\"#n1287134\" title=\"Acquisitions\">7.4.5</a>. In addition, derivatives increased primarily as a result of positive revaluations due to decreasing interest rates. </p>\n<p>In addition to the use of swaps and options a.s.r. manages interest rate risk by using bond forwards, included in interest rate contracts futures. </p>\n<p>The notional amounts of both receiver and payer swaps are included in the total notional amounts of foreign exchange contracts. </p>\n<p>The fair value of interest rate contracts is calculated by first determining the cash flows of the floating leg based on the Euribor-curve corresponding the interest reset period (3 months, 6 months or 12 months) of the swap. Then the net present value of the floating and fixed leg is determined by discounting the cash flows with the relevant curve (such as \u20acSTR, SOFR and SONIA). </p>\n<p>The fair value of the interest rate contracts using the above valuation method form the basis for the amount of collateral that is exchanged between a.s.r. and its counterparties in accordance with the underlying contracts. For more information see <a href=\"#n1287835\" title=\"Risk management\">chapter 7.8</a> on risk management. </p>\n<p>Of the derivatives \u20ac\u00a011,638 million assets (2022: \u20ac\u00a04,939 million) and \u20ac\u00a08,967 million liabilities (2022: \u20ac\u00a05,629 million) is expected to be recovered respectively settled more than one year after the balance sheet date. </p>\n<div class=\"header header-2\">Transition </div>\n<p>Throughout the world, a transition is taking place from interbank offered rates (IBORs) to alternative benchmarks. In the EU, the transition to alternative interest-rate benchmarks is governed by the Benchmark Regulation (BMR). Pursuant to the BMR, IBOR based contracts need to be amended to reference alternative rates or to be provided with a fallback option. </p>\n<p>The transition away from IBORs has mainly affected a.s.r.\u2019s derivative book, which is measured at fair value through profit or loss. Although most references under these derivatives remain BMR compliant, the Cash Collateral Interest Rate, and consequently discount rates, have required amendments towards Alternative Reference Rates (ARRs). </p>\n<p>In the past years, all relevant contracts referencing Ibors (except Euribor) have been amended to reflect ARRs. </p>\n<div class=\"header header-2\">Hedge accounting </div>\n<p>Macro fair value hedge accounting under the EU carve-out is applied by subsidiaries Knab and Aegon hypotheken (continuing practice post-acquisition). </p>\n<h3 class=\"table-title\">Derivatives designated as fair value hedges </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:auto;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>2023 </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>2022 </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Fair value changes mortgage loans recognised in profit or loss under EU carve-out </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">329 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><i>- </i></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Offset amount of fair value changes recognised on derivatives used as hedging instrument </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-326 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total accounting ineffectiveness under EU carve-out recognised in profit or loss </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>3 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td></tr></tbody></table> <br/>\n<h1 class=\"S_PARAGRAPH\" id=\"n1285330\"><span class=\"number\">7.7.2 </span><span class=\"title-text\">Offsetting of financial assets and liabilities </span></h1>\n<p>The following tables include information about rights to offset and the related arrangements. The amounts included consist of all recognised financial instruments that are presented net in the balance sheet under the IFRS-EU offsetting requirements (legal right to offset and intention to settle on a net basis) and amounts presented gross in the balance sheet but subject to enforceable master netting arrangements or similar arrangements. </p>\n<p>a.s.r. mitigates credit risk in derivative contracts by entering into collateral agreements, where practical, and in ISDA master netting agreements for each of the legal entities of a.s.r. to facilitate a.s.r.\u2019s right to offset credit risk exposure. The credit support agreement will normally dictate the threshold over which collateral needs to be pledged by a.s.r. or its counterparty. Transactions requiring a.s.r. or its counterparty to post collateral are typically the result of over-the-counter derivative trades, comprised mostly of interest rate swaps, currency swaps and credit swaps. These transactions are conducted under terms that are usual and customary to standard borrowing, derivative, securities lending and securities borrowing activities, as well as requirements determined by exchanges where the bank acts as intermediary. </p>\n<h3 class=\"table-title\">Offsetting of financial assets </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:0%;\"/><col style=\"width:12%;\"/><col style=\"width:14%;\"/><col style=\"width:14%;\"/><col style=\"width:12%;\"/><col style=\"width:14%;\"/><col style=\"width:12%;\"/></colgroup><thead>\n<tr style=\"border:none;\"><th class=\"startCol-1 endCol-1 valign-top headrow\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 headrow\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;border-bottom:1px solid;\"><b>Gross amounts of recognised financial assets </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 headrow\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;border-bottom:1px solid;\"><b>Gross amounts of recognised financial liabilities set off in the statement of financial position </b></th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 headrow\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;border-bottom:1px solid;\"><b>Net amounts of financial assets presented in the statement of financial position </b></th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 headrow\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;border-bottom:1px solid;\"><b>Related amounts not set off in the statement of financial position </b></th><th class=\"startCol-6 endCol-7 valign-bottom align-right border-bottom-1 colspan-2 headrow\" colspan=\"2\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;border-bottom:1px solid;\"><b>Net amount </b></th></tr>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;\"><b>Financial assets subject to offsetting, enforceable master netting arrangements and similar agreements </b></th><th class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Financial instruments </b></th><th class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b> <br/>Cash Collateral received (excluding surplus) </b></th><th class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>31 December 2023 </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Derivatives </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">12,821 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">12,821 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">9,210 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">3,579 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">32 </td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total financial assets </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>12,821 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>12,821 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>9,210 </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>3,579 </b></td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>32 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\"><b>31 December 2022 </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Derivatives </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">5,722 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">5,722 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">4,114 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,608 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total financial assets </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>5,722 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>5,722 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>4,114 </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>1,608 </b></td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td></tr></tbody></table> <br/>\n<h3 class=\"table-title\">Offsetting of financial liabilities </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:0%;\"/><col style=\"width:12%;\"/><col style=\"width:14%;\"/><col style=\"width:14%;\"/><col style=\"width:12%;\"/><col style=\"width:14%;\"/><col style=\"width:12%;\"/></colgroup><thead>\n<tr style=\"border:none;\"><th class=\"startCol-1 endCol-1 valign-top headrow\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 headrow\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;border-bottom:1px solid;\"><b>Gross amounts of recognised financial liabilities </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 headrow\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;border-bottom:1px solid;\"><b>Gross amounts of recognised financial assets set off in the statement of financial position </b></th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 headrow\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;border-bottom:1px solid;\"><b>Net amounts of financial liabilities presented in the statement of financial position </b></th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 headrow\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;border-bottom:1px solid;\"><b>Related amounts not set off in the statement of financial position </b></th><th class=\"startCol-6 endCol-7 valign-bottom align-right border-bottom-1 colspan-2 headrow\" colspan=\"2\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;border-bottom:1px solid;\"><b>Net amount </b></th></tr>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;\"><b>Financial liabilities subject to offsetting, enforceable master netting arrangements and similar agreements </b></th><th class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Financial instruments </b></th><th class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b> <br/>Cash Collateral pledged (excluding surplus) </b></th><th class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>31 December 2023 </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Derivatives </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">10,131 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">10,131 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">9,210 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">833 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">88 </td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total financial liabilities </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>10,131 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>10,131 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>9,210 </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>833 </b></td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>88 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\"><b>31 December 2022 </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Derivatives </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">5,681 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">5,681 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">4,114 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,567 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total financial liabilities </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>5,681 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>5,681 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>4,114 </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>1,567 </b></td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td></tr></tbody></table> <br/>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfDerivativeFinancialInstrumentsExplanatory",
    "language": "en",
    "entity": "scheme:7245000G0HS48PZWUD53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "ixv-663": {
   "value": "\n<h1 class=\"S_PARAGRAPH\" id=\"n1289488\"><span class=\"number\">7.5.7 </span><span class=\"title-text\">Derivatives </span></h1>\n<p>See accounting<a href=\"#n1286373\" title=\"E. Financial assets and financial liabilities\">policy E</a>. </p>\n<h3 class=\"table-title\">Derivatives </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:auto;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/></colgroup><thead>\n<tr style=\"border:none;\"><th class=\"startCol-1 endCol-1 valign-top border-right-1 headrow\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 colspan-2 headrow\" colspan=\"2\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;border-bottom:1px solid;\"><b>31 December 2023 </b></th><th class=\"startCol-4 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 colspan-2 headrow\" colspan=\"2\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;border-bottom:1px solid;\"><b>31 December 2022 </b></th></tr>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Asset </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Liability </b></th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Asset </b></th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Liability </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Derivatives not designated in a hedge </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">11,447 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">9,240 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">5,761 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">5,681 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Derivatives designated as fair value hedges </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1,461 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">892 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>12,907 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>10,132 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>5,761 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>5,681 </b></td></tr></tbody></table> <br/>\n<p>Derivatives consist primarily of derivatives used to hedge interest rate movements. Derivatives are classified mandatorily as FVTPL and changes in the fair value of derivatives at FVTPL are recorded in net fair value gains and (losses), see chapter <a href=\"#n1285996\" title=\"Net fair value gains and (losses)\">7.6.5</a>. </p>\n<p>Derivatives held for mortgage loans (Knab and Aegon hypotheken) are designated under fair value hedge accounting using the EU carve-out on hedge accounting, only net accounting ineffectiveness has an impact on the net result (for more information, see below under hedge accounting). </p>\n<p>a.s.r. trades both cleared and non-cleared derivatives on the basis of standardised contracts and exchanges cash variation margin with its counterparties. The derivatives are valued daily and cash collateral is exchanged to reflect the change in mark-to-market (MtM) of the derivatives. Because of this periodic margining process, counterparty risk on derivatives is negligible. </p>\n<p>In addition to the above variation margin obligations, there is also an initial margin obligation for central cleared derivatives which further reduces the risk of a.s.r. and its counterparties that they cannot fulfil their obligations. </p>\n<p>Notional amounts are not recognised as assets or liabilities in the balance sheet, however notional amounts are used in determining the fair value of the derivatives. Notional amounts do not reflect the potential gain or loss on a derivative transaction. </p>\n<h3 class=\"table-title\">Derivatives by type of instrument </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:0%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/></colgroup><thead>\n<tr style=\"border:none;\"><th class=\"startCol-1 endCol-1 valign-top border-right-1 headrow\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 colspan-3 headrow\" colspan=\"3\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;border-bottom:1px solid;\"><b>31 December 2023 </b></th><th class=\"startCol-5 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 colspan-3 headrow\" colspan=\"3\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;border-bottom:1px solid;\"><b>31 December 2022 </b></th></tr>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Asset </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Liability </b></th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Notional amount </b></th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Asset </b></th><th class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Liability </b></th><th class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Notional amount </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Foreign exchange contracts </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">57 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">116 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">4,936 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">80 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">29 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2,924 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Interest rate contracts </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">- Swaps </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">11,655 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">9,766 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">198,897 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">5,116 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">5,653 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">72,854 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">- Options </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">709 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">59 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">8,539 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">275 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2,781 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">- Futures </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">78 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">91 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">3,278 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">215 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,176 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Inflation linked swaps </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">358 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">21 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,794 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">44 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">290 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Equity index contracts </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">49 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">79 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">10,463 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">31 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">643 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Credit default swaps </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">45 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total derivatives </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>12,907 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>10,132 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>228,952 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>5,761 </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>5,681 </b></td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>80,667 </b></td></tr></tbody></table> <br/>\n<p>The derivatives do not include the derivatives relating to direct participating insurance contracts of \u20ac\u00a098 million (2022: nil). </p>\n<p>Derivatives increased due to the derivatives acquired through the acquisition of Aegon NL, see chapter <a href=\"#n1287134\" title=\"Acquisitions\">7.4.5</a>. In addition, derivatives increased primarily as a result of positive revaluations due to decreasing interest rates. </p>\n<p>In addition to the use of swaps and options a.s.r. manages interest rate risk by using bond forwards, included in interest rate contracts futures. </p>\n<p>The notional amounts of both receiver and payer swaps are included in the total notional amounts of foreign exchange contracts. </p>\n<p>The fair value of interest rate contracts is calculated by first determining the cash flows of the floating leg based on the Euribor-curve corresponding the interest reset period (3 months, 6 months or 12 months) of the swap. Then the net present value of the floating and fixed leg is determined by discounting the cash flows with the relevant curve (such as \u20acSTR, SOFR and SONIA). </p>\n<p>The fair value of the interest rate contracts using the above valuation method form the basis for the amount of collateral that is exchanged between a.s.r. and its counterparties in accordance with the underlying contracts. For more information see <a href=\"#n1287835\" title=\"Risk management\">chapter 7.8</a> on risk management. </p>\n<p>Of the derivatives \u20ac\u00a011,638 million assets (2022: \u20ac\u00a04,939 million) and \u20ac\u00a08,967 million liabilities (2022: \u20ac\u00a05,629 million) is expected to be recovered respectively settled more than one year after the balance sheet date. </p>\n<div class=\"header header-2\">Transition </div>\n<p>Throughout the world, a transition is taking place from interbank offered rates (IBORs) to alternative benchmarks. In the EU, the transition to alternative interest-rate benchmarks is governed by the Benchmark Regulation (BMR). Pursuant to the BMR, IBOR based contracts need to be amended to reference alternative rates or to be provided with a fallback option. </p>\n<p>The transition away from IBORs has mainly affected a.s.r.\u2019s derivative book, which is measured at fair value through profit or loss. Although most references under these derivatives remain BMR compliant, the Cash Collateral Interest Rate, and consequently discount rates, have required amendments towards Alternative Reference Rates (ARRs). </p>\n<p>In the past years, all relevant contracts referencing Ibors (except Euribor) have been amended to reflect ARRs. </p>\n<div class=\"header header-2\">Hedge accounting </div>\n<p>Macro fair value hedge accounting under the EU carve-out is applied by subsidiaries Knab and Aegon hypotheken (continuing practice post-acquisition). </p>\n<h3 class=\"table-title\">Derivatives designated as fair value hedges </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:auto;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>2023 </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>2022 </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Fair value changes mortgage loans recognised in profit or loss under EU carve-out </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">329 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><i>- </i></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Offset amount of fair value changes recognised on derivatives used as hedging instrument </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-326 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total accounting ineffectiveness under EU carve-out recognised in profit or loss </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>3 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td></tr></tbody></table> <br/>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfFinancialAssetsHeldForTradingExplanatory",
    "language": "en",
    "entity": "scheme:7245000G0HS48PZWUD53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "ixv-666": {
   "value": "\n<h1 class=\"S_PARAGRAPH\" id=\"n1289488\"><span class=\"number\">7.5.7 </span><span class=\"title-text\">Derivatives </span></h1>\n<p>See accounting<a href=\"#n1286373\" title=\"E. Financial assets and financial liabilities\">policy E</a>. </p>\n<h3 class=\"table-title\">Derivatives </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:auto;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/></colgroup><thead>\n<tr style=\"border:none;\"><th class=\"startCol-1 endCol-1 valign-top border-right-1 headrow\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 colspan-2 headrow\" colspan=\"2\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;border-bottom:1px solid;\"><b>31 December 2023 </b></th><th class=\"startCol-4 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 colspan-2 headrow\" colspan=\"2\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;border-bottom:1px solid;\"><b>31 December 2022 </b></th></tr>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Asset </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Liability </b></th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Asset </b></th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Liability </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Derivatives not designated in a hedge </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">11,447 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">9,240 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">5,761 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">5,681 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Derivatives designated as fair value hedges </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1,461 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">892 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>12,907 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>10,132 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>5,761 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>5,681 </b></td></tr></tbody></table> <br/>\n<p>Derivatives consist primarily of derivatives used to hedge interest rate movements. Derivatives are classified mandatorily as FVTPL and changes in the fair value of derivatives at FVTPL are recorded in net fair value gains and (losses), see chapter <a href=\"#n1285996\" title=\"Net fair value gains and (losses)\">7.6.5</a>. </p>\n<p>Derivatives held for mortgage loans (Knab and Aegon hypotheken) are designated under fair value hedge accounting using the EU carve-out on hedge accounting, only net accounting ineffectiveness has an impact on the net result (for more information, see below under hedge accounting). </p>\n<p>a.s.r. trades both cleared and non-cleared derivatives on the basis of standardised contracts and exchanges cash variation margin with its counterparties. The derivatives are valued daily and cash collateral is exchanged to reflect the change in mark-to-market (MtM) of the derivatives. Because of this periodic margining process, counterparty risk on derivatives is negligible. </p>\n<p>In addition to the above variation margin obligations, there is also an initial margin obligation for central cleared derivatives which further reduces the risk of a.s.r. and its counterparties that they cannot fulfil their obligations. </p>\n<p>Notional amounts are not recognised as assets or liabilities in the balance sheet, however notional amounts are used in determining the fair value of the derivatives. Notional amounts do not reflect the potential gain or loss on a derivative transaction. </p>\n<h3 class=\"table-title\">Derivatives by type of instrument </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:0%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/></colgroup><thead>\n<tr style=\"border:none;\"><th class=\"startCol-1 endCol-1 valign-top border-right-1 headrow\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 colspan-3 headrow\" colspan=\"3\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;border-bottom:1px solid;\"><b>31 December 2023 </b></th><th class=\"startCol-5 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 colspan-3 headrow\" colspan=\"3\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;border-bottom:1px solid;\"><b>31 December 2022 </b></th></tr>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Asset </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Liability </b></th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Notional amount </b></th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Asset </b></th><th class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Liability </b></th><th class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Notional amount </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Foreign exchange contracts </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">57 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">116 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">4,936 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">80 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">29 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2,924 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Interest rate contracts </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">- Swaps </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">11,655 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">9,766 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">198,897 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">5,116 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">5,653 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">72,854 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">- Options </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">709 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">59 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">8,539 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">275 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2,781 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">- Futures </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">78 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">91 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">3,278 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">215 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,176 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Inflation linked swaps </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">358 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">21 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,794 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">44 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">290 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Equity index contracts </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">49 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">79 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">10,463 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">31 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">643 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Credit default swaps </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">45 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total derivatives </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>12,907 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>10,132 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>228,952 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>5,761 </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>5,681 </b></td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>80,667 </b></td></tr></tbody></table> <br/>\n<p>The derivatives do not include the derivatives relating to direct participating insurance contracts of \u20ac\u00a098 million (2022: nil). </p>\n<p>Derivatives increased due to the derivatives acquired through the acquisition of Aegon NL, see chapter <a href=\"#n1287134\" title=\"Acquisitions\">7.4.5</a>. In addition, derivatives increased primarily as a result of positive revaluations due to decreasing interest rates. </p>\n<p>In addition to the use of swaps and options a.s.r. manages interest rate risk by using bond forwards, included in interest rate contracts futures. </p>\n<p>The notional amounts of both receiver and payer swaps are included in the total notional amounts of foreign exchange contracts. </p>\n<p>The fair value of interest rate contracts is calculated by first determining the cash flows of the floating leg based on the Euribor-curve corresponding the interest reset period (3 months, 6 months or 12 months) of the swap. Then the net present value of the floating and fixed leg is determined by discounting the cash flows with the relevant curve (such as \u20acSTR, SOFR and SONIA). </p>\n<p>The fair value of the interest rate contracts using the above valuation method form the basis for the amount of collateral that is exchanged between a.s.r. and its counterparties in accordance with the underlying contracts. For more information see <a href=\"#n1287835\" title=\"Risk management\">chapter 7.8</a> on risk management. </p>\n<p>Of the derivatives \u20ac\u00a011,638 million assets (2022: \u20ac\u00a04,939 million) and \u20ac\u00a08,967 million liabilities (2022: \u20ac\u00a05,629 million) is expected to be recovered respectively settled more than one year after the balance sheet date. </p>\n<div class=\"header header-2\">Transition </div>\n<p>Throughout the world, a transition is taking place from interbank offered rates (IBORs) to alternative benchmarks. In the EU, the transition to alternative interest-rate benchmarks is governed by the Benchmark Regulation (BMR). Pursuant to the BMR, IBOR based contracts need to be amended to reference alternative rates or to be provided with a fallback option. </p>\n<p>The transition away from IBORs has mainly affected a.s.r.\u2019s derivative book, which is measured at fair value through profit or loss. Although most references under these derivatives remain BMR compliant, the Cash Collateral Interest Rate, and consequently discount rates, have required amendments towards Alternative Reference Rates (ARRs). </p>\n<p>In the past years, all relevant contracts referencing Ibors (except Euribor) have been amended to reflect ARRs. </p>\n<div class=\"header header-2\">Hedge accounting </div>\n<p>Macro fair value hedge accounting under the EU carve-out is applied by subsidiaries Knab and Aegon hypotheken (continuing practice post-acquisition). </p>\n<h3 class=\"table-title\">Derivatives designated as fair value hedges </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:auto;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>2023 </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>2022 </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Fair value changes mortgage loans recognised in profit or loss under EU carve-out </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">329 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><i>- </i></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Offset amount of fair value changes recognised on derivatives used as hedging instrument </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-326 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total accounting ineffectiveness under EU carve-out recognised in profit or loss </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>3 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td></tr></tbody></table> <br/>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfFinancialInstrumentsHeldForTradingExplanatory",
    "language": "en",
    "entity": "scheme:7245000G0HS48PZWUD53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "ixv-667": {
   "value": "\n<h1 class=\"S_PARAGRAPH\" id=\"n1289488\"><span class=\"number\">7.5.7 </span><span class=\"title-text\">Derivatives </span></h1>\n<p>See accounting<a href=\"#n1286373\" title=\"E. Financial assets and financial liabilities\">policy E</a>. </p>\n<h3 class=\"table-title\">Derivatives </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:auto;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/></colgroup><thead>\n<tr style=\"border:none;\"><th class=\"startCol-1 endCol-1 valign-top border-right-1 headrow\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 colspan-2 headrow\" colspan=\"2\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;border-bottom:1px solid;\"><b>31 December 2023 </b></th><th class=\"startCol-4 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 colspan-2 headrow\" colspan=\"2\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;border-bottom:1px solid;\"><b>31 December 2022 </b></th></tr>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Asset </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Liability </b></th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Asset </b></th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Liability </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Derivatives not designated in a hedge </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">11,447 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">9,240 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">5,761 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">5,681 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Derivatives designated as fair value hedges </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1,461 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">892 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>12,907 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>10,132 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>5,761 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>5,681 </b></td></tr></tbody></table> <br/>\n<p>Derivatives consist primarily of derivatives used to hedge interest rate movements. Derivatives are classified mandatorily as FVTPL and changes in the fair value of derivatives at FVTPL are recorded in net fair value gains and (losses), see chapter <a href=\"#n1285996\" title=\"Net fair value gains and (losses)\">7.6.5</a>. </p>\n<p>Derivatives held for mortgage loans (Knab and Aegon hypotheken) are designated under fair value hedge accounting using the EU carve-out on hedge accounting, only net accounting ineffectiveness has an impact on the net result (for more information, see below under hedge accounting). </p>\n<p>a.s.r. trades both cleared and non-cleared derivatives on the basis of standardised contracts and exchanges cash variation margin with its counterparties. The derivatives are valued daily and cash collateral is exchanged to reflect the change in mark-to-market (MtM) of the derivatives. Because of this periodic margining process, counterparty risk on derivatives is negligible. </p>\n<p>In addition to the above variation margin obligations, there is also an initial margin obligation for central cleared derivatives which further reduces the risk of a.s.r. and its counterparties that they cannot fulfil their obligations. </p>\n<p>Notional amounts are not recognised as assets or liabilities in the balance sheet, however notional amounts are used in determining the fair value of the derivatives. Notional amounts do not reflect the potential gain or loss on a derivative transaction. </p>\n<h3 class=\"table-title\">Derivatives by type of instrument </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:0%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/></colgroup><thead>\n<tr style=\"border:none;\"><th class=\"startCol-1 endCol-1 valign-top border-right-1 headrow\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 colspan-3 headrow\" colspan=\"3\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;border-bottom:1px solid;\"><b>31 December 2023 </b></th><th class=\"startCol-5 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 colspan-3 headrow\" colspan=\"3\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;border-bottom:1px solid;\"><b>31 December 2022 </b></th></tr>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Asset </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Liability </b></th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Notional amount </b></th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Asset </b></th><th class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Liability </b></th><th class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Notional amount </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Foreign exchange contracts </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">57 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">116 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">4,936 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">80 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">29 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2,924 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Interest rate contracts </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">- Swaps </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">11,655 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">9,766 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">198,897 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">5,116 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">5,653 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">72,854 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">- Options </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">709 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">59 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">8,539 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">275 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2,781 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">- Futures </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">78 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">91 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">3,278 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">215 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,176 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Inflation linked swaps </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">358 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">21 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,794 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">44 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">290 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Equity index contracts </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">49 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">79 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">10,463 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">31 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">643 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Credit default swaps </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">45 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total derivatives </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>12,907 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>10,132 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>228,952 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>5,761 </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>5,681 </b></td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>80,667 </b></td></tr></tbody></table> <br/>\n<p>The derivatives do not include the derivatives relating to direct participating insurance contracts of \u20ac\u00a098 million (2022: nil). </p>\n<p>Derivatives increased due to the derivatives acquired through the acquisition of Aegon NL, see chapter <a href=\"#n1287134\" title=\"Acquisitions\">7.4.5</a>. In addition, derivatives increased primarily as a result of positive revaluations due to decreasing interest rates. </p>\n<p>In addition to the use of swaps and options a.s.r. manages interest rate risk by using bond forwards, included in interest rate contracts futures. </p>\n<p>The notional amounts of both receiver and payer swaps are included in the total notional amounts of foreign exchange contracts. </p>\n<p>The fair value of interest rate contracts is calculated by first determining the cash flows of the floating leg based on the Euribor-curve corresponding the interest reset period (3 months, 6 months or 12 months) of the swap. Then the net present value of the floating and fixed leg is determined by discounting the cash flows with the relevant curve (such as \u20acSTR, SOFR and SONIA). </p>\n<p>The fair value of the interest rate contracts using the above valuation method form the basis for the amount of collateral that is exchanged between a.s.r. and its counterparties in accordance with the underlying contracts. For more information see <a href=\"#n1287835\" title=\"Risk management\">chapter 7.8</a> on risk management. </p>\n<p>Of the derivatives \u20ac\u00a011,638 million assets (2022: \u20ac\u00a04,939 million) and \u20ac\u00a08,967 million liabilities (2022: \u20ac\u00a05,629 million) is expected to be recovered respectively settled more than one year after the balance sheet date. </p>\n<div class=\"header header-2\">Transition </div>\n<p>Throughout the world, a transition is taking place from interbank offered rates (IBORs) to alternative benchmarks. In the EU, the transition to alternative interest-rate benchmarks is governed by the Benchmark Regulation (BMR). Pursuant to the BMR, IBOR based contracts need to be amended to reference alternative rates or to be provided with a fallback option. </p>\n<p>The transition away from IBORs has mainly affected a.s.r.\u2019s derivative book, which is measured at fair value through profit or loss. Although most references under these derivatives remain BMR compliant, the Cash Collateral Interest Rate, and consequently discount rates, have required amendments towards Alternative Reference Rates (ARRs). </p>\n<p>In the past years, all relevant contracts referencing Ibors (except Euribor) have been amended to reflect ARRs. </p>\n<div class=\"header header-2\">Hedge accounting </div>\n<p>Macro fair value hedge accounting under the EU carve-out is applied by subsidiaries Knab and Aegon hypotheken (continuing practice post-acquisition). </p>\n<h3 class=\"table-title\">Derivatives designated as fair value hedges </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:auto;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>2023 </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>2022 </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Fair value changes mortgage loans recognised in profit or loss under EU carve-out </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">329 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><i>- </i></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Offset amount of fair value changes recognised on derivatives used as hedging instrument </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-326 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total accounting ineffectiveness under EU carve-out recognised in profit or loss </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>3 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td></tr></tbody></table> <br/>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfFinancialLiabilitiesHeldForTradingExplanatory",
    "language": "en",
    "entity": "scheme:7245000G0HS48PZWUD53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "ixv-669": {
   "value": "\n<h1 class=\"S_PARAGRAPH\" id=\"n1289514\"><span class=\"number\">7.5.8 </span><span class=\"title-text\">Deferred taxes </span></h1>\n<h3 class=\"table-title\">Deferred taxes </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:0%;\"/><col style=\"width:14%;\"/><col style=\"width:14%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">31 December 2023 </th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">31 December 2022 </th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Deferred tax assets </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">636 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">318 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Net Deferred tax </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>636 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>318 </b></td></tr></tbody></table> <br/>\n<p>Deferred taxes are formed for differences between the carrying amount of assets and liabilities and their tax base at the enacted tax rate, taking into account tax-exempt components. The current tax rate is 25.8% (2022: 25.8%). The deferred taxes are calculated with the enacted tax rate of 25.8%. </p>\n<p>Deferred tax assets and liabilities are expected to be recovered more than one year after the balance sheet date. </p>\n<h3 class=\"table-title\">Changes in deferred taxes </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:auto;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">1 January 2023 </th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">Changes recognised in profit or loss </th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">Changes recognised in other comprehensive income </th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">Changes in composition of the group </th><th class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">31 December 2023 </th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Financial assets held for trading </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">147 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-244 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-122 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-219 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Investments </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">87 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-572 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-49 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1,083 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">549 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Investment property </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-76 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">15 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-646 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-707 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Property, plant and equipment </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-16 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">8 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-1 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">13 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">4 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Intangible assets </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-19 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">5 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-69 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-83 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Liabilities arising from insurance contracts </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">487 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">402 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">581 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1,470 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Employee benefits </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-86 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-9 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">42 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-127 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-180 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Amounts received in advance </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-11 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-67 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-78 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Fiscal reserves </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-82 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">22 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-60 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Other </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-123 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">222 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-159 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-61 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Net deferred tax </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>318 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-161 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-9 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>487 </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>636 </b></td></tr></tbody></table> <br/>\n<h3 class=\"table-title\">Changes in deferred taxes </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:auto;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">1 January 2022 </th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">Changes recognised in profit or loss </th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">Changes recognised in other comprehensive income </th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">Changes in composition of the group </th><th class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">31 December 2022 </th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Financial assets held for trading </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-1,332 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,479 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">147 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Investments </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-1,217 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,235 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">68 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">87 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Investment property </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-400 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">324 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-5 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">5 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-76 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Property, plant and equipment </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-20 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-16 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Intangible assets </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-21 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-19 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Liabilities arising from insurance contracts </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">3,071 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-2,584 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">487 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Employee benefits </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">48 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">174 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-308 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-86 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Fiscal reserves </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-187 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">105 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-82 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Other </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">55 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-178 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-123 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Net deferred tax </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-3 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>559 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-244 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>6 </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>318 </b></td></tr></tbody></table> <br/>\n<p>In 2023, the increase in the deferred tax asset is mainly caused by the acquisition of Aegon NL, see chapter <a href=\"#n1287134\" title=\"Acquisitions\">7.4.5</a>. Deferred taxes recognised in other mainly relates to the adoption of new accounting standards IFRS 9 and IFRS 17 and to the acquisition of Aegon NL. </p>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfDeferredTaxesExplanatory",
    "language": "en",
    "entity": "scheme:7245000G0HS48PZWUD53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "ixv-672": {
   "value": "\n<h1 class=\"S_PARAGRAPH\" id=\"n1289537\"><span class=\"number\">7.5.9 </span><span class=\"title-text\">Other assets </span></h1>\n<p>See <a href=\"#n1286689\" title=\"Q. Other assets\">accounting policy Q</a>. </p>\n<h3 class=\"table-title\">Other assets </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:0%;\"/><col style=\"width:14%;\"/><col style=\"width:14%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">31 December 2023 </th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">31 December 2022 </th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Financial assets </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Due from customers </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">17 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">16 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Other receivables </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1,109 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">234 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Impairments </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-34 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-4 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>1,092 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>247 </b></td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Non-financial assets </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Taxes receivable </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">68 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">120 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Prepaid costs </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">30 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">7 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Property developments </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">27 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">30 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Other non-financial assets </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">48 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">55 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>172 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>213 </b></td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total other assets </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>1,265 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>460 </b></td></tr></tbody></table> <br/>\n<p>The increase in other receivables is mainly due to the acquisition of Aegon NL, see <a href=\"#n1287134\" title=\"Acquisitions\">chapter 7.4.5</a>. </p>\n<h3 class=\"table-title\">Changes in impairments </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:auto;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>2023 </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>2022 </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">At 1 January </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-4 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-5 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Increase in impairment through profit and loss </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-22 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Reversal of impairment through profit and loss </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Reversal of impairment due to disposal </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">25 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Other </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Changes in the composition of the group </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-34 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>At 31 December </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-34 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-4 </b></td></tr></tbody></table> <br/>\n<p>Changes in the composition of the group relates to the assets acquired through the acquisition of Aegon NL, see <a href=\"#n1287134\" title=\"Acquisitions\">chapter 7.4.5</a>. </p>\n<p>An amount of \u20ac\u00a01,237 million (2022: \u20ac\u00a0423 million) of other assets is expected to be recovered less than or equal to one year after the balance sheet date. </p>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfOtherAssetsExplanatory",
    "language": "en",
    "entity": "scheme:7245000G0HS48PZWUD53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "ixv-673": {
   "value": "\n<h1 class=\"S_PARAGRAPH\" id=\"n1289537\"><span class=\"number\">7.5.9 </span><span class=\"title-text\">Other assets </span></h1>\n<p>See <a href=\"#n1286689\" title=\"Q. Other assets\">accounting policy Q</a>. </p>\n<h3 class=\"table-title\">Other assets </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:0%;\"/><col style=\"width:14%;\"/><col style=\"width:14%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">31 December 2023 </th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">31 December 2022 </th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Financial assets </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Due from customers </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">17 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">16 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Other receivables </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1,109 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">234 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Impairments </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-34 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-4 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>1,092 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>247 </b></td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Non-financial assets </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Taxes receivable </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">68 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">120 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Prepaid costs </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">30 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">7 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Property developments </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">27 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">30 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Other non-financial assets </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">48 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">55 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>172 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>213 </b></td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total other assets </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>1,265 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>460 </b></td></tr></tbody></table> <br/>\n<p>The increase in other receivables is mainly due to the acquisition of Aegon NL, see <a href=\"#n1287134\" title=\"Acquisitions\">chapter 7.4.5</a>. </p>\n<h3 class=\"table-title\">Changes in impairments </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:auto;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>2023 </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>2022 </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">At 1 January </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-4 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-5 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Increase in impairment through profit and loss </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-22 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Reversal of impairment through profit and loss </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Reversal of impairment due to disposal </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">25 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Other </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Changes in the composition of the group </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-34 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>At 31 December </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-34 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-4 </b></td></tr></tbody></table> <br/>\n<p>Changes in the composition of the group relates to the assets acquired through the acquisition of Aegon NL, see <a href=\"#n1287134\" title=\"Acquisitions\">chapter 7.4.5</a>. </p>\n<p>An amount of \u20ac\u00a01,237 million (2022: \u20ac\u00a0423 million) of other assets is expected to be recovered less than or equal to one year after the balance sheet date. </p>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfOtherCurrentAssetsExplanatory",
    "language": "en",
    "entity": "scheme:7245000G0HS48PZWUD53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "ixv-674": {
   "value": "\n<h1 class=\"S_PARAGRAPH\" id=\"n1289537\"><span class=\"number\">7.5.9 </span><span class=\"title-text\">Other assets </span></h1>\n<p>See <a href=\"#n1286689\" title=\"Q. Other assets\">accounting policy Q</a>. </p>\n<h3 class=\"table-title\">Other assets </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:0%;\"/><col style=\"width:14%;\"/><col style=\"width:14%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">31 December 2023 </th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">31 December 2022 </th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Financial assets </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Due from customers </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">17 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">16 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Other receivables </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1,109 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">234 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Impairments </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-34 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-4 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>1,092 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>247 </b></td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Non-financial assets </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Taxes receivable </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">68 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">120 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Prepaid costs </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">30 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">7 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Property developments </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">27 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">30 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Other non-financial assets </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">48 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">55 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>172 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>213 </b></td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total other assets </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>1,265 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>460 </b></td></tr></tbody></table> <br/>\n<p>The increase in other receivables is mainly due to the acquisition of Aegon NL, see <a href=\"#n1287134\" title=\"Acquisitions\">chapter 7.4.5</a>. </p>\n<h3 class=\"table-title\">Changes in impairments </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:auto;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>2023 </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>2022 </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">At 1 January </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-4 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-5 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Increase in impairment through profit and loss </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-22 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Reversal of impairment through profit and loss </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Reversal of impairment due to disposal </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">25 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Other </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Changes in the composition of the group </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-34 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>At 31 December </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-34 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-4 </b></td></tr></tbody></table> <br/>\n<p>Changes in the composition of the group relates to the assets acquired through the acquisition of Aegon NL, see <a href=\"#n1287134\" title=\"Acquisitions\">chapter 7.4.5</a>. </p>\n<p>An amount of \u20ac\u00a01,237 million (2022: \u20ac\u00a0423 million) of other assets is expected to be recovered less than or equal to one year after the balance sheet date. </p>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfOtherNoncurrentAssetsExplanatory",
    "language": "en",
    "entity": "scheme:7245000G0HS48PZWUD53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "ixv-675": {
   "value": "\n<h1 class=\"S_PARAGRAPH\" id=\"n1289537\"><span class=\"number\">7.5.9 </span><span class=\"title-text\">Other assets </span></h1>\n<p>See <a href=\"#n1286689\" title=\"Q. Other assets\">accounting policy Q</a>. </p>\n<h3 class=\"table-title\">Other assets </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:0%;\"/><col style=\"width:14%;\"/><col style=\"width:14%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">31 December 2023 </th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">31 December 2022 </th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Financial assets </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Due from customers </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">17 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">16 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Other receivables </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1,109 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">234 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Impairments </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-34 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-4 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>1,092 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>247 </b></td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Non-financial assets </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Taxes receivable </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">68 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">120 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Prepaid costs </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">30 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">7 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Property developments </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">27 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">30 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Other non-financial assets </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">48 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">55 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>172 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>213 </b></td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total other assets </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>1,265 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>460 </b></td></tr></tbody></table> <br/>\n<p>The increase in other receivables is mainly due to the acquisition of Aegon NL, see <a href=\"#n1287134\" title=\"Acquisitions\">chapter 7.4.5</a>. </p>\n<h3 class=\"table-title\">Changes in impairments </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:auto;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>2023 </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>2022 </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">At 1 January </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-4 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-5 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Increase in impairment through profit and loss </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-22 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Reversal of impairment through profit and loss </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Reversal of impairment due to disposal </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">25 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Other </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Changes in the composition of the group </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-34 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>At 31 December </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-34 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-4 </b></td></tr></tbody></table> <br/>\n<p>Changes in the composition of the group relates to the assets acquired through the acquisition of Aegon NL, see <a href=\"#n1287134\" title=\"Acquisitions\">chapter 7.4.5</a>. </p>\n<p>An amount of \u20ac\u00a01,237 million (2022: \u20ac\u00a0423 million) of other assets is expected to be recovered less than or equal to one year after the balance sheet date. </p>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfPrepaymentsAndOtherAssetsExplanatory",
    "language": "en",
    "entity": "scheme:7245000G0HS48PZWUD53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "ixv-676": {
   "value": "\n<h1 class=\"S_PARAGRAPH\" id=\"n1289537\"><span class=\"number\">7.5.9 </span><span class=\"title-text\">Other assets </span></h1>\n<p>See <a href=\"#n1286689\" title=\"Q. Other assets\">accounting policy Q</a>. </p>\n<h3 class=\"table-title\">Other assets </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:0%;\"/><col style=\"width:14%;\"/><col style=\"width:14%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">31 December 2023 </th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">31 December 2022 </th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Financial assets </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Due from customers </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">17 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">16 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Other receivables </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1,109 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">234 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Impairments </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-34 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-4 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>1,092 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>247 </b></td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Non-financial assets </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Taxes receivable </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">68 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">120 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Prepaid costs </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">30 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">7 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Property developments </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">27 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">30 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Other non-financial assets </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">48 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">55 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>172 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>213 </b></td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total other assets </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>1,265 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>460 </b></td></tr></tbody></table> <br/>\n<p>The increase in other receivables is mainly due to the acquisition of Aegon NL, see <a href=\"#n1287134\" title=\"Acquisitions\">chapter 7.4.5</a>. </p>\n<h3 class=\"table-title\">Changes in impairments </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:auto;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>2023 </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>2022 </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">At 1 January </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-4 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-5 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Increase in impairment through profit and loss </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-22 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Reversal of impairment through profit and loss </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Reversal of impairment due to disposal </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">25 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Other </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Changes in the composition of the group </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-34 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>At 31 December </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-34 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-4 </b></td></tr></tbody></table> <br/>\n<p>Changes in the composition of the group relates to the assets acquired through the acquisition of Aegon NL, see <a href=\"#n1287134\" title=\"Acquisitions\">chapter 7.4.5</a>. </p>\n<p>An amount of \u20ac\u00a01,237 million (2022: \u20ac\u00a0423 million) of other assets is expected to be recovered less than or equal to one year after the balance sheet date. </p>\n<h1 class=\"S_PARAGRAPH\" id=\"n1289240\"><span class=\"number\">7.5.20 </span><span class=\"title-text\">Other liabilities </span></h1>\n<h3 class=\"table-title\">Other liabilities </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:0%;\"/><col style=\"width:14%;\"/><col style=\"width:14%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">31 December 2023 </th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">31 December 2022 </th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Financial liabilities </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Due to customers </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">186 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">53 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Trade payables </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">51 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Non-financial liabilities </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Deferred income </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">11 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">18 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Short-term employee benefits </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">28 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">22 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Other non-financial liabilities </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1,099 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">626 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total other liabilities </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1,376 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">721 </td></tr></tbody></table> <br/>\n<p>The increase in other non-financial liabilities is mainly due to the acquisition of Aegon NL (see chapter <a href=\"#n1287134\" title=\"Acquisitions\">7.4.5</a>). The remaining amount consists, amongst others, of payables, accruals related to investments and construction depots for housing mortgages. </p>\n<p>There is no difference between the carrying value of other liabilities and their fair value (see chapter <a href=\"#n1285283\" title=\"Financial assets and liabilities not measured at fair value\">7.7.1.2</a>). </p>\n<p>An amount of \u20ac\u00a063 million (2022: \u20ac\u00a018 million) of the other liabilities is expected to be settled more than one year after the balance sheet date. </p>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfTaxReceivablesAndPayablesExplanatory",
    "language": "en",
    "entity": "scheme:7245000G0HS48PZWUD53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "ixv-677": {
   "value": "\n<h1 class=\"S_PARAGRAPH\" id=\"n1289537\"><span class=\"number\">7.5.9 </span><span class=\"title-text\">Other assets </span></h1>\n<p>See <a href=\"#n1286689\" title=\"Q. Other assets\">accounting policy Q</a>. </p>\n<h3 class=\"table-title\">Other assets </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:0%;\"/><col style=\"width:14%;\"/><col style=\"width:14%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">31 December 2023 </th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">31 December 2022 </th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Financial assets </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Due from customers </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">17 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">16 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Other receivables </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1,109 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">234 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Impairments </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-34 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-4 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>1,092 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>247 </b></td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Non-financial assets </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Taxes receivable </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">68 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">120 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Prepaid costs </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">30 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">7 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Property developments </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">27 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">30 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Other non-financial assets </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">48 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">55 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>172 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>213 </b></td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total other assets </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>1,265 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>460 </b></td></tr></tbody></table> <br/>\n<p>The increase in other receivables is mainly due to the acquisition of Aegon NL, see <a href=\"#n1287134\" title=\"Acquisitions\">chapter 7.4.5</a>. </p>\n<h3 class=\"table-title\">Changes in impairments </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:auto;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>2023 </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>2022 </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">At 1 January </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-4 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-5 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Increase in impairment through profit and loss </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-22 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Reversal of impairment through profit and loss </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Reversal of impairment due to disposal </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">25 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Other </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Changes in the composition of the group </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-34 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>At 31 December </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-34 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-4 </b></td></tr></tbody></table> <br/>\n<p>Changes in the composition of the group relates to the assets acquired through the acquisition of Aegon NL, see <a href=\"#n1287134\" title=\"Acquisitions\">chapter 7.4.5</a>. </p>\n<p>An amount of \u20ac\u00a01,237 million (2022: \u20ac\u00a0423 million) of other assets is expected to be recovered less than or equal to one year after the balance sheet date. </p>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfTradeAndOtherReceivablesExplanatory",
    "language": "en",
    "entity": "scheme:7245000G0HS48PZWUD53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "ixv-678": {
   "value": "\n<h1 class=\"S_PARAGRAPH\" id=\"n1289562\"><span class=\"number\">7.5.10 </span><span class=\"title-text\">Cash and cash equivalents </span></h1>\n<p>See <a href=\"#n1286711\" title=\"R. Cash and cash equivalents\">accounting policy R</a>. </p>\n<h3 class=\"table-title\">Cash and cash equivalents </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:0%;\"/><col style=\"width:14%;\"/><col style=\"width:14%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>31 December 2023 </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>31 December 2022 </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Due from banks </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">4,681 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,645 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Due from banks falling due within three months </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">3,229 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">601 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total cash and cash equivalents </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>7,910 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>2,246 </b></td></tr></tbody></table> <br/>\n<p>a.s.r. has cash amounting to \u20ac\u00a03.229 million (2022: \u20ac\u00a0601 million) that has been transferred as part of a securities lending programme, but does not qualify for derecognition. For more information see <a href=\"#n1289391\" title=\"Investments at FVOCI\">chapter 7.5.5.1</a>. </p>\n<p>Cash and cash equivalents include cash and demand balances held at DNB. DNB requires Knab to place 1% of their deposits with agreed maturity or the savings accounts (without restrictions to withdraw their money) in an account with DNB. These deposits are not freely available. This so-called minimum reserve is renewed each maintenance period consisting of approximately 6 weeks. An interest of 2,2% is received on this minimum reserve (2022: 2,5%). </p>\n<h3 class=\"table-title\">Deposit with DNB </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:auto;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>2023 </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>2022 </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Average balance on deposit with DNB at year-end </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">70 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">198 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Average minimum required balance on deposit by DNB for year-end </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">84 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">82 </td></tr></tbody></table> <br/>\n<p>All other cash and cash equivalents are freely available. The cash components include \u20ac\u00a02,824 million (2022: \u20ac\u00a0249 million) related to cash collateral received on derivative instruments and is managed separately from other cash equivalents. </p>\n<p>The claim related to cash collateral paid on derivative instruments is included in the amount loans to credit institutions (see <a href=\"#n1289414\" title=\"Investments at FVTPL\">chapter 7.5.5.2</a>). Debt related to cash collateral received on derivatives instruments is included in the amount due to banks (see <a href=\"#n1289216\" title=\"Due to banks\">chapter 7.5.19</a>). </p>\n<p>Interest expenses on cash collateral is mainly based on \u20acSTR (2022: \u20acSTR). </p>\n<div class=\"tanPageBreak newPage\"> </div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfCashAndBankBalancesAtCentralBanksExplanatory",
    "language": "en",
    "entity": "scheme:7245000G0HS48PZWUD53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "ixv-679": {
   "value": "\n<h1 class=\"S_PARAGRAPH\" id=\"n1289562\"><span class=\"number\">7.5.10 </span><span class=\"title-text\">Cash and cash equivalents </span></h1>\n<p>See <a href=\"#n1286711\" title=\"R. Cash and cash equivalents\">accounting policy R</a>. </p>\n<h3 class=\"table-title\">Cash and cash equivalents </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:0%;\"/><col style=\"width:14%;\"/><col style=\"width:14%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>31 December 2023 </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>31 December 2022 </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Due from banks </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">4,681 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,645 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Due from banks falling due within three months </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">3,229 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">601 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total cash and cash equivalents </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>7,910 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>2,246 </b></td></tr></tbody></table> <br/>\n<p>a.s.r. has cash amounting to \u20ac\u00a03.229 million (2022: \u20ac\u00a0601 million) that has been transferred as part of a securities lending programme, but does not qualify for derecognition. For more information see <a href=\"#n1289391\" title=\"Investments at FVOCI\">chapter 7.5.5.1</a>. </p>\n<p>Cash and cash equivalents include cash and demand balances held at DNB. DNB requires Knab to place 1% of their deposits with agreed maturity or the savings accounts (without restrictions to withdraw their money) in an account with DNB. These deposits are not freely available. This so-called minimum reserve is renewed each maintenance period consisting of approximately 6 weeks. An interest of 2,2% is received on this minimum reserve (2022: 2,5%). </p>\n<h3 class=\"table-title\">Deposit with DNB </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:auto;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>2023 </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>2022 </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Average balance on deposit with DNB at year-end </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">70 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">198 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Average minimum required balance on deposit by DNB for year-end </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">84 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">82 </td></tr></tbody></table> <br/>\n<p>All other cash and cash equivalents are freely available. The cash components include \u20ac\u00a02,824 million (2022: \u20ac\u00a0249 million) related to cash collateral received on derivative instruments and is managed separately from other cash equivalents. </p>\n<p>The claim related to cash collateral paid on derivative instruments is included in the amount loans to credit institutions (see <a href=\"#n1289414\" title=\"Investments at FVTPL\">chapter 7.5.5.2</a>). Debt related to cash collateral received on derivatives instruments is included in the amount due to banks (see <a href=\"#n1289216\" title=\"Due to banks\">chapter 7.5.19</a>). </p>\n<p>Interest expenses on cash collateral is mainly based on \u20acSTR (2022: \u20acSTR). </p>\n<div class=\"tanPageBreak newPage\"> </div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfCashAndCashEquivalentsExplanatory",
    "language": "en",
    "entity": "scheme:7245000G0HS48PZWUD53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "ixv-684": {
   "value": "\n<h1 class=\"S_PARAGRAPH\" id=\"n1289562\"><span class=\"number\">7.5.10 </span><span class=\"title-text\">Cash and cash equivalents </span></h1>\n<p>See <a href=\"#n1286711\" title=\"R. Cash and cash equivalents\">accounting policy R</a>. </p>\n<h3 class=\"table-title\">Cash and cash equivalents </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:0%;\"/><col style=\"width:14%;\"/><col style=\"width:14%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>31 December 2023 </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>31 December 2022 </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Due from banks </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">4,681 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,645 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Due from banks falling due within three months </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">3,229 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">601 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total cash and cash equivalents </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>7,910 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>2,246 </b></td></tr></tbody></table> <br/>\n<p>a.s.r. has cash amounting to \u20ac\u00a03.229 million (2022: \u20ac\u00a0601 million) that has been transferred as part of a securities lending programme, but does not qualify for derecognition. For more information see <a href=\"#n1289391\" title=\"Investments at FVOCI\">chapter 7.5.5.1</a>. </p>\n<p>Cash and cash equivalents include cash and demand balances held at DNB. DNB requires Knab to place 1% of their deposits with agreed maturity or the savings accounts (without restrictions to withdraw their money) in an account with DNB. These deposits are not freely available. This so-called minimum reserve is renewed each maintenance period consisting of approximately 6 weeks. An interest of 2,2% is received on this minimum reserve (2022: 2,5%). </p>\n<h3 class=\"table-title\">Deposit with DNB </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:auto;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>2023 </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>2022 </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Average balance on deposit with DNB at year-end </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">70 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">198 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Average minimum required balance on deposit by DNB for year-end </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">84 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">82 </td></tr></tbody></table> <br/>\n<p>All other cash and cash equivalents are freely available. The cash components include \u20ac\u00a02,824 million (2022: \u20ac\u00a0249 million) related to cash collateral received on derivative instruments and is managed separately from other cash equivalents. </p>\n<p>The claim related to cash collateral paid on derivative instruments is included in the amount loans to credit institutions (see <a href=\"#n1289414\" title=\"Investments at FVTPL\">chapter 7.5.5.2</a>). Debt related to cash collateral received on derivatives instruments is included in the amount due to banks (see <a href=\"#n1289216\" title=\"Due to banks\">chapter 7.5.19</a>). </p>\n<p>Interest expenses on cash collateral is mainly based on \u20acSTR (2022: \u20acSTR). </p>\n<div class=\"tanPageBreak newPage\"> </div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfRestrictedCashAndCashEquivalentsExplanatory",
    "language": "en",
    "entity": "scheme:7245000G0HS48PZWUD53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "ixv-685": {
   "value": "\n<h1 class=\"S_PARAGRAPH\" id=\"n1289588\"><span class=\"number\">7.5.11 </span><span class=\"title-text\">Equity </span></h1>\n<p>See accounting policy <a href=\"#n1286733\" title=\"S. Equity\">S</a>. </p>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n1289724\"><span class=\"number\">7.5.11.1 </span><span class=\"title-text\">Share capital </span></h1>\n<h3 class=\"table-title\">Share capital </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:0%;\"/><col style=\"width:15%;\"/><col style=\"width:15%;\"/><col style=\"width:15%;\"/><col style=\"width:15%;\"/></colgroup><thead>\n<tr style=\"border:none;\"><th class=\"startCol-1 endCol-1 valign-top border-right-1 headrow\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-3 valign-bottom align-right border-left-1 border-right-1 colspan-2 headrow\" colspan=\"2\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;border-bottom:1px solid;\">31 December 2023 </th><th class=\"startCol-4 endCol-5 valign-bottom align-right border-left-1 colspan-2 headrow\" colspan=\"2\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;border-bottom:1px solid;\">31 December 2022 </th></tr>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">Number of Shares (in millions) </th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">Amounts (in \u20ac\u00a0millions) </th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">Number of Shares (in millions) </th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">(Amount (in \u20ac\u00a0millions) </th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Ordinary shares </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">- Authorised capital; par value of \u20ac\u00a00.16 </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">325 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">52 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">325 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">52 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\">- Of which unsubscribed </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">114 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">18 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">175 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">28 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Subscribed and paid-up capital </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>211 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>34 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>150 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>24 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-right-1\" style=\"text-align:left;vertical-align:bottom;\">Preference shares </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-right-1\" style=\"text-align:left;vertical-align:bottom;\">- Authorised capital; par value of \u20ac\u00a00.16 </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">325 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">52 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">325 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">52 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-right-1\" style=\"text-align:left;vertical-align:bottom;\">- Of which unsubscribed </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">325 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">52 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">325 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">52 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom border-right-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Subscribed and paid-up capital </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td></tr></tbody></table> <br/>\n<p>Movements in the share capital for 2023 comprises an increase of 63,298 thousand shares as a result of issued share capital to finance the business combination of a.s.r. and Aegon NL (see <a href=\"#n1287134\" title=\"Acquisitions\">chapter 7.4.5</a>) and a decrease as a result of the cancellation of 1,798 thousand treasury shares (see <a href=\"#n1289679\" title=\"Treasury shares\">chapter 7.5.11.5</a>). </p>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n1289748\"><span class=\"number\">7.5.11.2 </span><span class=\"title-text\">Share premium reserve </span></h1>\n<p>The share premium reserve increased by \u20ac\u00a02,537 due to issued share capital to finance the business combination of a.s.r. and Aegon NL (\u20ac\u00a02,572 million) and the cancellation of 1,798 thousand treasury shares (\u20ac\u00a0- 35 million), as approved at the AGM in May 2023, see <a href=\"#n1289679\" title=\"Treasury shares\">chapter 7.5.11.5</a>. </p>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n1289611\"><span class=\"number\">7.5.11.3 </span><span class=\"title-text\">Unrealised gains and losses recorded in equity </span></h1>\n<h3 class=\"table-title\">Unrealised gains and losses recorded in equity </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:0%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-4 valign-bottom align-right border-bottom-1 colspan-4 headrow headrow-last\" colspan=\"4\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">31 December 2023 </th><th class=\"startCol-5 endCol-7 valign-bottom align-right border-bottom-1 colspan-3 headrow headrow-last\" colspan=\"3\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">31 December 2022 </th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">Investments at FVOCI </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">Revaluation of property in own use and plants </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">Total </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">Investments at FVOCI </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">Revaluation of property in own use and plants </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">Total </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Gross unrealised gains and losses </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">414 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">54 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">467 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">267 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">50 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">317 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Related tax </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-72 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-13 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-85 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-38 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-13 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-51 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total unrealised gains and losses recorded in equity </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>342 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>41 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>383 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>228 </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>37 </b></td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>266 </b></td></tr></tbody></table> <br/>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n1289656\"><span class=\"number\">7.5.11.4 </span><span class=\"title-text\">Actuarial gains and losses </span></h1>\n<p>The balance of actuarial gains and losses related to the pension obligation decreased in 2023 by \u20ac\u00a0120 million after tax and \u20ac\u00a0162 million before tax (2022: increased by \u20ac\u00a0887 million after tax and \u20ac\u00a01,195 million before tax). The decrease is mainly due to an increase in the discount rate (see <a href=\"#n1289054\" title=\"Employee benefits\">chapter 7.5.15</a>). </p>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n1289679\"><span class=\"number\">7.5.11.5 </span><span class=\"title-text\">Treasury shares </span></h1>\n<p>In January 2023, a.s.r. announced the share repurchase programme for the employee share plan for an amount of \u20ac\u00a010 million. Therefore, during 2023, a.s.r. repurchased 233 thousand shares under an open market share buyback programme for an amount of \u20ac\u00a010 million (average share price \u20ac\u00a042.87). </p>\n<p>As part of the employee share purchase plan a.s.r. sold 159 thousand shares (2022: 124 thousand shares) for an amount of \u20ac\u00a05 million (2022: \u20ac\u00a04 million), leading to a decrease of \u20ac\u00a01 million (2022: \u20ac\u00a00.2 million) in retained earnings. For more information on the employee share purchase plan, see <a href=\"#n1285399\" title=\"Employee Share Purchase Plan\">chapter 7.7.5</a>. </p>\n<p>In the AGM in May 2023 the resolution was adopted to cancel 1,798 thousand shares which were acquired in 2022. The cancellation was effected in August 2023. </p>\n<p>The amount of treasury shares held at year-end of \u20ac\u00a07 million (2022: \u20ac\u00a079 million) represents 179 thousand treasury shares (2022: 1,903 thousand). </p>\n<div class=\"tanPageBreak start-node\"> </div>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n1289702\"><span class=\"number\">7.5.11.6 </span><span class=\"title-text\">Other equity instruments </span></h1>\n<h3 class=\"table-title\">Other equity instruments </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:0%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:21%;\"/><col style=\"width:13%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">2023 </th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">2022 </th><th class=\"startCol-4 endCol-4 valign-bottom align-left border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;\">Coupon date </th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">First possible redemption date </th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">Hybrid Tier 2 instrument 5% fixed interest </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">497 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">497 </td><td class=\"startCol-4 endCol-4 valign-top align-left border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">Annually with effect from 30 September 2015 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">30 September 2024 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-right-1\" style=\"text-align:left;vertical-align:top;\">Restricted Tier 1 instrument 4.625% fixed interest </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">507 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">507 </td><td class=\"startCol-4 endCol-4 valign-top align-left border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">Semi-annually with effect from 19 April 2018 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-top-1\" style=\"text-align:right;vertical-align:bottom;\">19 October 2027 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total other equity instruments </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>1,004 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>1,004 </b></td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr></tbody></table><br/>\n<p>The Tier 1 and Tier 2 instruments bear discretionary interest and have no maturity date, but can be redeemed at the option of a.s.r. on any coupon due date from the above mentioned possible redemption date. </p>\n<p>The Tier 1 and Tier 2 instruments have subordination provisions, rank junior to all other liabilities and senior to only shareholder\u2019s equity. The conditions of the securities contain certain provisions for optional and required coupon payment deferral and mandatory coupon payment events. </p>\n<p>The coupon payments in respect of the Tier 1 and Tier 2 instruments are deductible for tax purposes. </p>\n<h3 class=\"table-title\">Distributed amounts to holders of equity instruments as discretionary interest </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:0%;\"/><col style=\"width:14%;\"/><col style=\"width:14%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">2023 </th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">2022 </th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Hybrid Tier 2 instrument 5% fixed interest </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">25 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">25 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Restricted Tier 1 instrument 4.625% fixed interest </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">23 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">23 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total distributed amounts </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>48 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>48 </b></td></tr></tbody></table> <br/>\n<p>The Tier 1 and Tier 2 instruments are classified as equity as there is no requirement to settle the obligation in cash or another financial asset or to exchange financial assets or financial liabilities under conditions that are potentially unfavourable for a.s.r. </p>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n1289633\"><span class=\"number\">7.5.11.7 </span><span class=\"title-text\">Earnings per share  <br/></span></h1>\n<h3 class=\"table-title\">Basic earnings per share at year-end </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:0%;\"/><col style=\"width:14%;\"/><col style=\"width:14%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">2023 </th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">2022 <br/>restated </th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Net result attributable to holders of ordinary shares for calculating the earnings per ordinary share </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>1,038 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-1,757 </b></td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Weighted average number of ordinary shares in issue </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">178,838,730 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">137,004,580 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Basic earnings per ordinary share (in euros) </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>5.80 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-12.83 </b></td></tr></tbody></table> <br/>\n<h3 class=\"table-title\">Diluted earnings per share at year-end </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:auto;\"/><col style=\"width:20%;\"/><col style=\"width:20%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">2023 </th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">2022 <br/>restated </th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Net result </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1,038 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-1,757 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">- effect of Restricted Tier 1 capital instrument </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">17 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">17 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Adjusted net result attributable to holders of ordinary shares for calculating the diluted earnings per ordinary share </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>1,055 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-1,740 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Weighted average number of ordinary shares in issue </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">178,838,730 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">137,004,580 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Weighted average number of ordinary shares resulting from conversion of bonds Restricted Tier 1 </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">21,645,022 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">21,645,022 </td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Weighted average number of shares used to calculate the diluted earnings per ordinary share </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>200,483,751 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>158,649,601 </b></td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Diluted earnings per ordinary share (in euros) </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>5.26 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-10.97 </b></td></tr></tbody></table> <br/>\n<p>Net result in the table is after tax and non-controlling interests. </p>\n<p>For additional information related to net result, see chapter <a href=\"#n1285671\" title=\"Consolidated income statement\">7.2.2</a>. </p>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfReservesAndOtherEquityInterestExplanatory",
    "language": "en",
    "entity": "scheme:7245000G0HS48PZWUD53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "ixv-686": {
   "value": "\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n1289724\"><span class=\"number\">7.5.11.1 </span><span class=\"title-text\">Share capital </span></h1>\n<h3 class=\"table-title\">Share capital </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:0%;\"/><col style=\"width:15%;\"/><col style=\"width:15%;\"/><col style=\"width:15%;\"/><col style=\"width:15%;\"/></colgroup><thead>\n<tr style=\"border:none;\"><th class=\"startCol-1 endCol-1 valign-top border-right-1 headrow\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-3 valign-bottom align-right border-left-1 border-right-1 colspan-2 headrow\" colspan=\"2\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;border-bottom:1px solid;\">31 December 2023 </th><th class=\"startCol-4 endCol-5 valign-bottom align-right border-left-1 colspan-2 headrow\" colspan=\"2\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;border-bottom:1px solid;\">31 December 2022 </th></tr>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">Number of Shares (in millions) </th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">Amounts (in \u20ac\u00a0millions) </th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">Number of Shares (in millions) </th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">(Amount (in \u20ac\u00a0millions) </th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Ordinary shares </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">- Authorised capital; par value of \u20ac\u00a00.16 </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">325 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">52 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">325 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">52 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\">- Of which unsubscribed </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">114 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">18 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">175 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">28 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Subscribed and paid-up capital </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>211 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>34 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>150 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>24 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-right-1\" style=\"text-align:left;vertical-align:bottom;\">Preference shares </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-right-1\" style=\"text-align:left;vertical-align:bottom;\">- Authorised capital; par value of \u20ac\u00a00.16 </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">325 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">52 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">325 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">52 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-right-1\" style=\"text-align:left;vertical-align:bottom;\">- Of which unsubscribed </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">325 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">52 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">325 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">52 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom border-right-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Subscribed and paid-up capital </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td></tr></tbody></table> <br/>\n<p>Movements in the share capital for 2023 comprises an increase of 63,298 thousand shares as a result of issued share capital to finance the business combination of a.s.r. and Aegon NL (see <a href=\"#n1287134\" title=\"Acquisitions\">chapter 7.4.5</a>) and a decrease as a result of the cancellation of 1,798 thousand treasury shares (see <a href=\"#n1289679\" title=\"Treasury shares\">chapter 7.5.11.5</a>). </p>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfIssuedCapitalExplanatory",
    "language": "en",
    "entity": "scheme:7245000G0HS48PZWUD53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "ixv-687": {
   "value": "\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n1289724\"><span class=\"number\">7.5.11.1 </span><span class=\"title-text\">Share capital </span></h1>\n<h3 class=\"table-title\">Share capital </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:0%;\"/><col style=\"width:15%;\"/><col style=\"width:15%;\"/><col style=\"width:15%;\"/><col style=\"width:15%;\"/></colgroup><thead>\n<tr style=\"border:none;\"><th class=\"startCol-1 endCol-1 valign-top border-right-1 headrow\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-3 valign-bottom align-right border-left-1 border-right-1 colspan-2 headrow\" colspan=\"2\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;border-bottom:1px solid;\">31 December 2023 </th><th class=\"startCol-4 endCol-5 valign-bottom align-right border-left-1 colspan-2 headrow\" colspan=\"2\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;border-bottom:1px solid;\">31 December 2022 </th></tr>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">Number of Shares (in millions) </th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">Amounts (in \u20ac\u00a0millions) </th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">Number of Shares (in millions) </th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">(Amount (in \u20ac\u00a0millions) </th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Ordinary shares </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">- Authorised capital; par value of \u20ac\u00a00.16 </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">325 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">52 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">325 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">52 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\">- Of which unsubscribed </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">114 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">18 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">175 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">28 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Subscribed and paid-up capital </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>211 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>34 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>150 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>24 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-right-1\" style=\"text-align:left;vertical-align:bottom;\">Preference shares </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-right-1\" style=\"text-align:left;vertical-align:bottom;\">- Authorised capital; par value of \u20ac\u00a00.16 </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">325 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">52 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">325 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">52 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-right-1\" style=\"text-align:left;vertical-align:bottom;\">- Of which unsubscribed </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">325 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">52 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">325 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">52 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom border-right-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Subscribed and paid-up capital </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td></tr></tbody></table> <br/>\n<p>Movements in the share capital for 2023 comprises an increase of 63,298 thousand shares as a result of issued share capital to finance the business combination of a.s.r. and Aegon NL (see <a href=\"#n1287134\" title=\"Acquisitions\">chapter 7.4.5</a>) and a decrease as a result of the cancellation of 1,798 thousand treasury shares (see <a href=\"#n1289679\" title=\"Treasury shares\">chapter 7.5.11.5</a>). </p>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n1289748\"><span class=\"number\">7.5.11.2 </span><span class=\"title-text\">Share premium reserve </span></h1>\n<p>The share premium reserve increased by \u20ac\u00a02,537 due to issued share capital to finance the business combination of a.s.r. and Aegon NL (\u20ac\u00a02,572 million) and the cancellation of 1,798 thousand treasury shares (\u20ac\u00a0- 35 million), as approved at the AGM in May 2023, see <a href=\"#n1289679\" title=\"Treasury shares\">chapter 7.5.11.5</a>. </p>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n1289611\"><span class=\"number\">7.5.11.3 </span><span class=\"title-text\">Unrealised gains and losses recorded in equity </span></h1>\n<h3 class=\"table-title\">Unrealised gains and losses recorded in equity </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:0%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-4 valign-bottom align-right border-bottom-1 colspan-4 headrow headrow-last\" colspan=\"4\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">31 December 2023 </th><th class=\"startCol-5 endCol-7 valign-bottom align-right border-bottom-1 colspan-3 headrow headrow-last\" colspan=\"3\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">31 December 2022 </th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">Investments at FVOCI </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">Revaluation of property in own use and plants </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">Total </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">Investments at FVOCI </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">Revaluation of property in own use and plants </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">Total </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Gross unrealised gains and losses </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">414 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">54 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">467 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">267 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">50 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">317 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Related tax </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-72 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-13 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-85 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-38 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-13 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-51 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total unrealised gains and losses recorded in equity </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>342 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>41 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>383 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>228 </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>37 </b></td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>266 </b></td></tr></tbody></table> <br/>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n1289656\"><span class=\"number\">7.5.11.4 </span><span class=\"title-text\">Actuarial gains and losses </span></h1>\n<p>The balance of actuarial gains and losses related to the pension obligation decreased in 2023 by \u20ac\u00a0120 million after tax and \u20ac\u00a0162 million before tax (2022: increased by \u20ac\u00a0887 million after tax and \u20ac\u00a01,195 million before tax). The decrease is mainly due to an increase in the discount rate (see <a href=\"#n1289054\" title=\"Employee benefits\">chapter 7.5.15</a>). </p>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n1289679\"><span class=\"number\">7.5.11.5 </span><span class=\"title-text\">Treasury shares </span></h1>\n<p>In January 2023, a.s.r. announced the share repurchase programme for the employee share plan for an amount of \u20ac\u00a010 million. Therefore, during 2023, a.s.r. repurchased 233 thousand shares under an open market share buyback programme for an amount of \u20ac\u00a010 million (average share price \u20ac\u00a042.87). </p>\n<p>As part of the employee share purchase plan a.s.r. sold 159 thousand shares (2022: 124 thousand shares) for an amount of \u20ac\u00a05 million (2022: \u20ac\u00a04 million), leading to a decrease of \u20ac\u00a01 million (2022: \u20ac\u00a00.2 million) in retained earnings. For more information on the employee share purchase plan, see <a href=\"#n1285399\" title=\"Employee Share Purchase Plan\">chapter 7.7.5</a>. </p>\n<p>In the AGM in May 2023 the resolution was adopted to cancel 1,798 thousand shares which were acquired in 2022. The cancellation was effected in August 2023. </p>\n<p>The amount of treasury shares held at year-end of \u20ac\u00a07 million (2022: \u20ac\u00a079 million) represents 179 thousand treasury shares (2022: 1,903 thousand). </p>\n<div class=\"tanPageBreak start-node\"> </div>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n1289702\"><span class=\"number\">7.5.11.6 </span><span class=\"title-text\">Other equity instruments </span></h1>\n<h3 class=\"table-title\">Other equity instruments </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:0%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:21%;\"/><col style=\"width:13%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">2023 </th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">2022 </th><th class=\"startCol-4 endCol-4 valign-bottom align-left border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;\">Coupon date </th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">First possible redemption date </th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">Hybrid Tier 2 instrument 5% fixed interest </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">497 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">497 </td><td class=\"startCol-4 endCol-4 valign-top align-left border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">Annually with effect from 30 September 2015 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">30 September 2024 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-right-1\" style=\"text-align:left;vertical-align:top;\">Restricted Tier 1 instrument 4.625% fixed interest </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">507 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">507 </td><td class=\"startCol-4 endCol-4 valign-top align-left border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">Semi-annually with effect from 19 April 2018 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-top-1\" style=\"text-align:right;vertical-align:bottom;\">19 October 2027 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total other equity instruments </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>1,004 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>1,004 </b></td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr></tbody></table><br/>\n<p>The Tier 1 and Tier 2 instruments bear discretionary interest and have no maturity date, but can be redeemed at the option of a.s.r. on any coupon due date from the above mentioned possible redemption date. </p>\n<p>The Tier 1 and Tier 2 instruments have subordination provisions, rank junior to all other liabilities and senior to only shareholder\u2019s equity. The conditions of the securities contain certain provisions for optional and required coupon payment deferral and mandatory coupon payment events. </p>\n<p>The coupon payments in respect of the Tier 1 and Tier 2 instruments are deductible for tax purposes. </p>\n<h3 class=\"table-title\">Distributed amounts to holders of equity instruments as discretionary interest </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:0%;\"/><col style=\"width:14%;\"/><col style=\"width:14%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">2023 </th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">2022 </th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Hybrid Tier 2 instrument 5% fixed interest </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">25 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">25 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Restricted Tier 1 instrument 4.625% fixed interest </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">23 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">23 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total distributed amounts </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>48 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>48 </b></td></tr></tbody></table> <br/>\n<p>The Tier 1 and Tier 2 instruments are classified as equity as there is no requirement to settle the obligation in cash or another financial asset or to exchange financial assets or financial liabilities under conditions that are potentially unfavourable for a.s.r. </p>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfShareCapitalReservesAndOtherEquityInterestExplanatory",
    "language": "en",
    "entity": "scheme:7245000G0HS48PZWUD53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "ixv-692": {
   "value": "\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n1289679\"><span class=\"number\">7.5.11.5 </span><span class=\"title-text\">Treasury shares </span></h1>\n<p>In January 2023, a.s.r. announced the share repurchase programme for the employee share plan for an amount of \u20ac\u00a010 million. Therefore, during 2023, a.s.r. repurchased 233 thousand shares under an open market share buyback programme for an amount of \u20ac\u00a010 million (average share price \u20ac\u00a042.87). </p>\n<p>As part of the employee share purchase plan a.s.r. sold 159 thousand shares (2022: 124 thousand shares) for an amount of \u20ac\u00a05 million (2022: \u20ac\u00a04 million), leading to a decrease of \u20ac\u00a01 million (2022: \u20ac\u00a00.2 million) in retained earnings. For more information on the employee share purchase plan, see <a href=\"#n1285399\" title=\"Employee Share Purchase Plan\">chapter 7.7.5</a>. </p>\n<p>In the AGM in May 2023 the resolution was adopted to cancel 1,798 thousand shares which were acquired in 2022. The cancellation was effected in August 2023. </p>\n<p>The amount of treasury shares held at year-end of \u20ac\u00a07 million (2022: \u20ac\u00a079 million) represents 179 thousand treasury shares (2022: 1,903 thousand). </p>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfTreasurySharesExplanatory",
    "language": "en",
    "entity": "scheme:7245000G0HS48PZWUD53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "ixv-694": {
   "value": "\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n1289633\"><span class=\"number\">7.5.11.7 </span><span class=\"title-text\">Earnings per share  <br/></span></h1>\n<h3 class=\"table-title\">Basic earnings per share at year-end </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:0%;\"/><col style=\"width:14%;\"/><col style=\"width:14%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">2023 </th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">2022 <br/>restated </th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Net result attributable to holders of ordinary shares for calculating the earnings per ordinary share </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>1,038 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-1,757 </b></td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Weighted average number of ordinary shares in issue </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">178,838,730 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">137,004,580 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Basic earnings per ordinary share (in euros) </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>5.80 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-12.83 </b></td></tr></tbody></table> <br/>\n<h3 class=\"table-title\">Diluted earnings per share at year-end </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:auto;\"/><col style=\"width:20%;\"/><col style=\"width:20%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">2023 </th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">2022 <br/>restated </th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Net result </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1,038 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-1,757 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">- effect of Restricted Tier 1 capital instrument </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">17 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">17 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Adjusted net result attributable to holders of ordinary shares for calculating the diluted earnings per ordinary share </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>1,055 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-1,740 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Weighted average number of ordinary shares in issue </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">178,838,730 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">137,004,580 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Weighted average number of ordinary shares resulting from conversion of bonds Restricted Tier 1 </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">21,645,022 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">21,645,022 </td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Weighted average number of shares used to calculate the diluted earnings per ordinary share </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>200,483,751 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>158,649,601 </b></td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Diluted earnings per ordinary share (in euros) </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>5.26 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-10.97 </b></td></tr></tbody></table> <br/>\n<p>Net result in the table is after tax and non-controlling interests. </p>\n<p>For additional information related to net result, see chapter <a href=\"#n1285671\" title=\"Consolidated income statement\">7.2.2</a>. </p>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfEarningsPerShareExplanatory",
    "language": "en",
    "entity": "scheme:7245000G0HS48PZWUD53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "ixv-696": {
   "value": "\n<h1 class=\"S_PARAGRAPH\" id=\"n1288760\"><span class=\"number\">7.5.12 </span><span class=\"title-text\">Subordinated liabilities </span></h1>\n<p>See <a href=\"#n1286760\" title=\"T. Financing\">accounting policy T</a>. </p>\n<h3 class=\"table-title\">Subordinated liabilities </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:0%;\"/><col style=\"width:15%;\"/><col style=\"width:17%;\"/><col style=\"width:17%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Nominal amount </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Carrying value 2023 </b></th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Carrying value 2022 </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Hybrid Tier 2 instrument 5.125% fixed interest </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">500 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">506 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">505 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Hybrid Tier 2 instrument 3.375% fixed interest </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">500 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">507 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">506 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Hybrid Tier 2 instrument 7.000% fixed interest </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,000 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">992 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">994 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\"><b>Total subordinated liabilities </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>2,000 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>2,005 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>2,005 </b></td></tr></tbody></table> <br/>\n<p>In 2015, a.s.r. issued \u20ac\u00a0500 million subordinated liabilities in the form of Tier 2 notes, first callable on 29 September 2025, and maturing on 29 September 2045. The coupon is fixed at 5.125% and paid annually on 29 September with a step up at the first call date. </p>\n<p>In 2019 a.s.r. issued \u20ac\u00a0500 million subordinated liabilities in the form of Tier 2 notes. The bond has a maturity date of 2049 and is first callable 3 months before the first reset date of 2 May 2029. The coupon is fixed at 3.375% and paid annually on 2 May. After the reset date the interest is calculated based on the 5 Year Mid Swap Rate plus a margin of 4.00 per cent and updated once every five years. </p>\n<p>On 22 November 2022 a.s.r. issued \u20ac\u00a01 billion subordinated liabilities, qualified as Tier 2 notes, to partially finance the business combination with Aegon NL. The Tier 2 notes have a maturity date of 2043 and are first callable on 7 December 2033. The coupon is fixed at 7.000% and paid annually on 7 December. </p>\n<p>These notes are subordinated and ranking equally without any preference amongst themselves and (a) junior to the claims of all senior creditors of a.s.r., (b) equally with any parity obligations and (c) in priority to claims in respect of (i) any equity securities and (ii) any junior obligations. </p>\n<p>The subordinated liabilities are classified as liabilities given the obligation to settle the loans and pay the coupon. They are considered Tier 2 own funds for regulatory purposes. </p>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfSubordinatedLiabilitiesExplanatory",
    "language": "en",
    "entity": "scheme:7245000G0HS48PZWUD53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "ixv-697": {
   "value": "\n<h1 class=\"S_PARAGRAPH\" id=\"n1288783\"><span class=\"number\">7.5.13 </span><span class=\"title-text\">Insurance contract liabilities and reinsurance contract assets </span></h1>\n<p>See accounting policies <a href=\"#n1286397\" title=\"F1. Insurance contracts\">F</a>. </p>\n<h3 class=\"table-title\">Insurance and reinsurance contracts </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:37.7%;\"/><col style=\"width:15.8%;\"/><col style=\"width:15.7%;\"/><col style=\"width:15.8%;\"/><col style=\"width:15%;\"/></colgroup><thead>\n<tr style=\"border:none;\"><th class=\"startCol-1 endCol-1 valign-top headrow\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-top headrow\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-3 endCol-3 valign-bottom align-right headrow\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;border-bottom:1px solid;\"><b>Assets </b></th><th class=\"startCol-4 endCol-4 valign-top headrow\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-5 endCol-5 valign-bottom align-right headrow\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;border-bottom:1px solid;\"><b>Liabilities </b></th></tr>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>31 December 2023 </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>31 December 2022 </b></th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>31 December 2023 </b></th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>31 December 2022 </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Non-life - GMM </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">5,401 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">3,963 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Non-life - PAA </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1,803 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,751 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Non-life insurance contracts </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>7,205 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>5,713 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Life - GMM </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">56,063 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">25,900 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Life insurance contracts </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>56,063 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>25,900 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Pre-recognition cash flows </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>34 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1\" style=\"text-align:right;vertical-align:bottom;\"><b>27 </b></td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total insurance contracts </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>63,302 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>31,640 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Non-life - GMM </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">209 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">190 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Non-life - PAA </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">75 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">58 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Life - GMM </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">211 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">129 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Life - PAA </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">6 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">4 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total reinsurance contracts </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>501 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>381 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td></tr></tbody></table> <br/>\n<p>Pre-recognition cash flows consists of prepaid premiums for insurance contracts not yet recognised. </p>\n<p>The tables in the following paragraphs show the movements in insurance contract balances for the different measurement models. </p>\n<div class=\"tanPageBreak newPage\"> </div>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n1288806\"><span class=\"number\">7.5.13.1 </span><span class=\"title-text\">Non-life - GMM and PAA </span></h1>\n<div class=\"header header-1\">Non-life - GMM </div>\n<h3 class=\"table-title\">Changes in insurance contracts by remaining coverage and incurred claims current year </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:auto;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/></colgroup><thead>\n<tr style=\"border:none;\"><th class=\"startCol-1 endCol-1 valign-top headrow\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-3 valign-bottom align-right border-bottom-1 colspan-2 headrow\" colspan=\"2\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;border-bottom:1px solid;\"><b>Liabilities for remaining coverage </b></th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 headrow\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;border-bottom:1px solid;\"><b>Liabilities for incurred claims </b></th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 headrow\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;border-bottom:1px solid;\"><b>Total </b></th></tr>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Excluding loss component </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Loss component </b></th><th class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Assets </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Liabilities </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-248 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">20 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">4,191 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">3,963 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>At 1 January 2023 </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-248 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>20 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>4,191 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>3,963 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Changes in the income statement </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Insurance contract revenue of which: </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-1,686 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-1,686 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Contracts recognised from transition date and retrospective approach </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-839 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-839 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">Contracts under the modified retrospective approach </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-306 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-306 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Contracts under the fair value approach </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-541 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-541 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Insurance service expenses </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">New incurred claims and benefits </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-13 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1,392 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1,379 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Changes related to past services </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-9 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-9 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Losses and reversals of losses on onerous contracts </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">19 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>19 </b></td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Claims and benefits </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>6 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>1,383 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>1,389 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Other insurance service operating expenses </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">264 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">264 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Amortisation of insurance acquisition cash flows </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">24 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">24 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Insurance service operating expenses </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>24 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>264 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>288 </b></td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total insurance service expenses </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>24 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>6 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>1,648 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>1,677 </b></td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Insurance service result </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-1,662 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>6 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>1,648 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-9 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">Net finance expenses (income) from insurance contracts </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">22 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">173 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">196 </td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total changes in the income statement </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-1,640 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>6 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>1,821 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>187 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Cash flows </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Premiums received </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1,658 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1,658 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Insurance service expenses paid, including investment components </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-1,346 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-1,346 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Insurance acquisition cash flows </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-32 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-32 </td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total cash flows </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>1,626 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-1,346 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>280 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Changes in the composition of the group </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">972 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">972 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>At 31 December 2023 </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>710 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>26 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>4,666 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>5,401 </b></td></tr></tbody></table> <br/>\n<p>Changes in the composition of the group relates to the liabilities acquired through the acquisition of Aegon NL, see <a href=\"#n1287134\" title=\"Acquisitions\">chapter 7.4.5</a>. </p>\n<div class=\"tanPageBreak newPage\"> </div>\n<h3 class=\"table-title\">Changes in insurance contracts by remaining coverage and incurred claims prior year </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:auto;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/></colgroup><thead>\n<tr style=\"border:none;\"><th class=\"startCol-1 endCol-1 valign-top headrow\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-3 valign-bottom align-right border-bottom-1 colspan-2 headrow\" colspan=\"2\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;border-bottom:1px solid;\"><b>Liabilities for remaining coverage </b></th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 headrow\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;border-bottom:1px solid;\"><b>Liabilities for incurred claims </b></th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 headrow\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;border-bottom:1px solid;\"><b>Total </b></th></tr>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Excluding loss component </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Loss component </b></th><th class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>At 1 January 2022 </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>95 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>84 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>4,544 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>4,723 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Changes in the income statement </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Insurance contract revenue of which: </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-1,451 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-1,451 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Contracts recognised from transition date and retrospective approach </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-207 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-207 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">Contracts under the modified retrospective approach </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-252 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-252 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Contracts under the fair value approach </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-992 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-992 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Insurance service expenses </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">New incurred claims and benefits </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-80 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,093 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,013 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Changes related to past services </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">269 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">269 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Losses and reversals of losses on onerous contracts </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1\" style=\"text-align:right;vertical-align:bottom;\">15 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">15 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Claims and benefits </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-65 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,362 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,297 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Other insurance service operating expenses </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">232 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">232 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Amortisation of insurance acquisition cash flows </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">9 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">9 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Insurance service operating expenses </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>9 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>232 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>241 </b></td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total insurance service expenses </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>9 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-65 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>1,594 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>1,539 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Insurance service result </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-1,441 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-65 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>1,594 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>88 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Net finance expenses (income) from insurance contracts </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-323 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-830 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-1,152 </td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total changes in the income statement </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-1,764 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-65 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>764 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-1,064 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Cash flows </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Premiums received </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,443 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,443 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Insurance service expenses paid, including investment components </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-1,117 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-1,117 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Insurance acquisition cash flows </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-21 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-21 </td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total cash flows </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>1,422 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-1,117 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>305 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>At 31 December 2022 </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-248 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>20 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>4,191 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>3,963 </b></td></tr></tbody></table> <br/>\n<div class=\"tanPageBreak newPage\"> </div>\n<h3 class=\"table-title\">Changes in insurance contracts by measurement component current year </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:auto;\"/><col style=\"width:10%;\"/><col style=\"width:10%;\"/><col style=\"width:10%;\"/><col style=\"width:10%;\"/><col style=\"width:10%;\"/><col style=\"width:10%;\"/><col style=\"width:10%;\"/></colgroup><thead>\n<tr style=\"border:none;\"><th class=\"startCol-1 endCol-1 valign-top headrow\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 headrow\" scope=\"col\" style=\"text-align:right;vertical-align:middle;border-bottom:1px solid;\"><b>Estimates of the present value of the future cash flows </b></th><th class=\"startCol-3 endCol-3 valign-middle align-right border-bottom-1 headrow\" scope=\"col\" style=\"text-align:right;vertical-align:middle;border-bottom:1px solid;\"><b>Risk adjustment for non-financial risk </b></th><th class=\"startCol-4 endCol-4 valign-middle align-right border-bottom-1 headrow\" scope=\"col\" style=\"text-align:right;vertical-align:middle;border-bottom:1px solid;\"><b>CSM </b></th><th class=\"startCol-5 endCol-5 valign-top border-bottom-1 headrow\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-6 endCol-6 valign-top border-bottom-1 headrow\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-7 endCol-7 valign-top border-bottom-1 headrow\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 headrow\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;border-bottom:1px solid;\"><b>Total </b></th></tr>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Total </b></th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Of which, contracts recognised from transition date and retrospective approach </b></th><th class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Of which, contracts under modified approach </b></th><th class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Of which contracts under fair value approach </b></th><th class=\"startCol-8 endCol-8 valign-top border-bottom-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>At 1 January 2023 </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>3,737 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>158 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>69 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>3 </b></td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>66 </b></td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>3,963 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-8 endCol-8 valign-top border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Changes in the income statement </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-8 endCol-8 valign-top border-bottom-1 border-left-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-8 endCol-8 valign-top border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\"><b><i>Changes that relate to future services: </i></b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-8 endCol-8 valign-top border-bottom-1 border-left-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">- Changes in estimates that adjust the CSM </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-65 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">24 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">41 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">13 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">28 </td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">- Changes in estimates that result in losses or the reversal of losses on onerous contracts </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">25 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-6 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">19 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">- Effects of contracts initially recognised in the period </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-117 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">21 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">96 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">96 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-8 endCol-8 valign-top border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\"><b><i>Changes that relate to current services: </i></b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-8 endCol-8 valign-top border-bottom-1 border-left-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">- CSM recognised in profit or loss for services provided </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-70 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-57 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-13 </td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-70 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">- Release of the risk adjustment for non-financial risk </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-33 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-33 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">- Experience adjustments </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">63 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">21 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">84 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-8 endCol-8 valign-top border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\"><b><i>Changes related to past service </i></b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">3 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-11 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-right-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-left-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-9 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-8 endCol-8 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Insurance service result </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-90 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>15 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>67 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>52 </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>15 </b></td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-9 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-8 endCol-8 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Net finance expenses (income) from insurance contracts </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">187 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">4 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">5 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">5 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">196 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-8 endCol-8 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total changes in the income statement </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>96 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>19 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>71 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>56 </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>15 </b></td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>187 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-8 endCol-8 valign-top border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Cash flows </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-8 endCol-8 valign-top border-bottom-1 border-left-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Premiums received </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1,658 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1,658 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Insurance service expenses paid </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-1,346 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-1,346 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Insurance acquisition cash flows </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-32 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-32 </td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total cash flows </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>280 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>280 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-8 endCol-8 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Changes in the composition of the group </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">829 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">47 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">96 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">96 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">972 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-8 endCol-8 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>At 31 December 2023 </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>4,942 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>223 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>236 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>155 </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>81 </b></td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>5,401 </b></td></tr></tbody></table> <br/>\n<div class=\"tanPageBreak newPage\"> </div>\n<h3 class=\"table-title\">Changes in insurance contracts by measurement component prior year </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:auto;\"/><col style=\"width:10%;\"/><col style=\"width:10%;\"/><col style=\"width:10%;\"/><col style=\"width:10%;\"/><col style=\"width:10%;\"/><col style=\"width:10%;\"/><col style=\"width:10%;\"/></colgroup><thead>\n<tr style=\"border:none;\"><th class=\"startCol-1 endCol-1 valign-top headrow\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 headrow\" scope=\"col\" style=\"text-align:right;vertical-align:middle;border-bottom:1px solid;\"><b>Estimates of the present value of the future cash flows </b></th><th class=\"startCol-3 endCol-3 valign-middle align-right border-bottom-1 headrow\" scope=\"col\" style=\"text-align:right;vertical-align:middle;border-bottom:1px solid;\"><b>Risk adjustment for non-financial risk </b></th><th class=\"startCol-4 endCol-4 valign-middle align-right border-bottom-1 headrow\" scope=\"col\" style=\"text-align:right;vertical-align:middle;border-bottom:1px solid;\"><b>CSM </b></th><th class=\"startCol-5 endCol-5 valign-top border-bottom-1 headrow\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-6 endCol-6 valign-top border-bottom-1 headrow\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-7 endCol-7 valign-top border-bottom-1 headrow\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 headrow\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;border-bottom:1px solid;\"><b>Total </b></th></tr>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Total </b></th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Of which, contracts recognised from transition date and retrospective approach </b></th><th class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Of which, contracts under modified approach </b></th><th class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Of which contracts under fair value approach </b></th><th class=\"startCol-8 endCol-8 valign-top border-bottom-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>At 1 January 2022 </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>4,415 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>218 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>90 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>90 </b></td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>4,723 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-8 endCol-8 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Changes in the income statement </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-8 endCol-8 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-8 endCol-8 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\"><b><i>Changes that relate to future services: </i></b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-8 endCol-8 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">- Changes in estimates that adjust the CSM </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-4 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">7 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-3 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">9 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-12 </td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">- Changes in estimates that result in losses or the reversal of losses on onerous contracts </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">37 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-29 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">7 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">- Effects of contracts initially recognised in the period </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-43 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">44 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">7 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">7 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">8 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-8 endCol-8 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\"><b><i>Changes that relate to current services: </i></b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-8 endCol-8 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">- CSM recognised in profit or loss for services provided </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-24 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-12 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-12 </td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-24 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">- Release of the risk adjustment for non-financial risk </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-27 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-27 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">- Experience adjustments </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-161 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">16 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-145 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-8 endCol-8 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\"><b><i>Changes related to past service </i></b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1\" style=\"text-align:right;vertical-align:bottom;\">263 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1\" style=\"text-align:right;vertical-align:bottom;\">6 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-left-1\" style=\"text-align:right;vertical-align:bottom;\">269 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-8 endCol-8 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Insurance service result </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>91 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>18 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-21 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>4 </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-24 </b></td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>88 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-8 endCol-8 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Net finance expenses (income) from insurance contracts </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-1,074 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-78 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-1,152 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-8 endCol-8 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total changes in the income statement </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-983 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-61 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-21 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>4 </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-24 </b></td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-1,064 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-8 endCol-8 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Cash flows </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-8 endCol-8 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Premiums received </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,443 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,443 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Insurance service expenses paid </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-1,117 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-1,117 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Insurance acquisition cash flows </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-21 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-21 </td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total cash flows </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>305 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>305 </b></td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-8 endCol-8 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>At 31 December 2022 </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>3,737 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>158 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>69 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>3 </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>66 </b></td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>3,963 </b></td></tr></tbody></table> <br/>\n<h3 class=\"table-title\">Changes in reinsurance contracts by remaining coverage and incurred claims current year </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:auto;\"/><col style=\"width:20%;\"/><col style=\"width:20%;\"/><col style=\"width:20%;\"/></colgroup><thead>\n<tr style=\"border:none;\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-top-1 headrow\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-middle align-center border-bottom-1 border-top-1 headrow\" scope=\"col\" style=\"text-align:center;vertical-align:middle;border-bottom:1px solid;\"><b>Assets for remaining coverage </b></th><th class=\"startCol-3 endCol-3 valign-middle align-center border-bottom-1 border-top-1 headrow\" scope=\"col\" style=\"text-align:center;vertical-align:middle;border-bottom:1px solid;\"><b>Assets for incurred claims </b></th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 headrow\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;border-bottom:1px solid;\"><b>Total </b></th></tr>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;\"><b>2023 </b></th><th class=\"startCol-2 endCol-2 valign-bottom align-left border-bottom-1 border-left-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;\"><b>Excluding loss recovery component </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-left border-bottom-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;\">\u00a0</th><th class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>At 1 January </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-1 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>191 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>190 </b></td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Changes in the income statement: </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Allocation of reinsurance premiums paid </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-17 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-17 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">Amounts recoverable from reinsurers </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">15 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">15 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Changes in amounts recoverable arising from changes in assets for incurred claims </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-9 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-9 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Net expenses from reinsurance contracts </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-17 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>7 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-10 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Net finance income from reinsurance contracts </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">6 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">8 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total changes in the income statement </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-15 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>13 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-2 </b></td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Cash flows: </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">Premiums paid </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">14 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">14 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Insurance service expenses recovered from reinsurance contracts </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-77 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-77 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total cash flows </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>14 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-77 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-64 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">Changes in the composition of the group </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">85 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">85 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>At 31 December </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>82 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>127 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>209 </b></td></tr></tbody></table> <br/>\n<h3 class=\"table-title\">Changes in reinsurance contracts by remaining coverage and incurred claims prior year </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:auto;\"/><col style=\"width:20%;\"/><col style=\"width:20%;\"/><col style=\"width:20%;\"/></colgroup><thead>\n<tr style=\"border:none;\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-top-1 headrow\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-middle align-center border-bottom-1 border-top-1 headrow\" scope=\"col\" style=\"text-align:center;vertical-align:middle;border-bottom:1px solid;\"><b>Assets for remaining coverage </b></th><th class=\"startCol-3 endCol-3 valign-middle align-center border-bottom-1 border-top-1 headrow\" scope=\"col\" style=\"text-align:center;vertical-align:middle;border-bottom:1px solid;\"><b>Assets for incurred claims </b></th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 headrow\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;border-bottom:1px solid;\"><b>Total </b></th></tr>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;\"><b>2022 </b></th><th class=\"startCol-2 endCol-2 valign-bottom align-left border-bottom-1 border-left-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;\"><b>Excluding loss recovery component </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-left border-bottom-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;\">\u00a0</th><th class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>At 1 January </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-2 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>299 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>297 </b></td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Changes in the income statement: </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Allocation of reinsurance premiums paid </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-21 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-21 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">Amounts recoverable from reinsurers </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">3 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">3 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Changes in amounts recoverable arising from changes in assets for incurred claims </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">16 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">16 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Net expenses from reinsurance contracts </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-21 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>20 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-2 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Net finance income from reinsurance contracts </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-22 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-21 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total changes in the income statement </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-20 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-2 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-23 </b></td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Cash flows: </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">Premiums paid </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">21 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">21 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Insurance service expenses recovered from reinsurance contracts </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-105 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-105 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total cash flows </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>21 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-105 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-84 </b></td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>At 31 December </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-1 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>191 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>190 </b></td></tr></tbody></table> <br/>\n<div class=\"tanPageBreak newPage\"> </div>\n<h3 class=\"table-title\">Changes in reinsurance contracts by measurement component current year </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:auto;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/></colgroup><thead>\n<tr style=\"border:none;\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-top-1 headrow\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-middle align-center border-bottom-1 border-top-1 headrow\" scope=\"col\" style=\"text-align:center;vertical-align:middle;border-bottom:1px solid;\"><b>Estimates of the present value of the future cash flows </b></th><th class=\"startCol-3 endCol-3 valign-middle align-center border-bottom-1 border-top-1 headrow\" scope=\"col\" style=\"text-align:center;vertical-align:middle;border-bottom:1px solid;\"><b>Risk adjustment for non-financial risk </b></th><th class=\"startCol-4 endCol-6 valign-middle align-left border-bottom-1 border-top-1 colspan-3 headrow\" colspan=\"3\" scope=\"col\" style=\"text-align:left;vertical-align:middle;border-bottom:1px solid;\"><b>CSM </b></th><th class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-top-1 headrow\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;border-bottom:1px solid;\"><b>Total </b></th></tr>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;\"><b>2023 </b></th><th class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Total </b></th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Of which, contracts recognised from transition date and retrospective approach </b></th><th class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Of which, contracts under fair value approach </b></th><th class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-left-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>At 1 January </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>190 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>1 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>190 </b></td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Changes in the income statement: </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-left-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b><i>Changes that relate to future services </i></b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-left-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">- Changes in estimates that adjust the CSM </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-1 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-1 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-1 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">- Effects of contracts initially recognised in the period </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-1 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-1 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b><i>Changes that relate to current services: </i></b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">- CSM recognised in the income statement for services received </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-1 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">- Release of the risk adjustment for non-financial risk </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-2 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-2 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">- Experience adjustments </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b><i>Changes relate to past service </i></b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-8 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-1 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-9 </b></td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Net expenses from reinsurance contracts </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-7 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-2 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-2 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-1 </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-1 </b></td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-10 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Net finance income from reinsurance contracts </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">8 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">8 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total changes in the income statement </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>1 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-1 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-1 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-1 </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-1 </b></td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-2 </b></td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Cash flows: </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-left-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Premiums paid </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">14 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">14 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Insurance service expenses recovered from reinsurance contracts </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-77 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-77 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total cash flows </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-64 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-64 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Changes in the composition of the group </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">62 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">7 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">16 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">16 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">85 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>At 31 December </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>189 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>7 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>14 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>14 </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>209 </b></td></tr></tbody></table> <br/>\n<div class=\"tanPageBreak newPage\"> </div>\n<h3 class=\"table-title\">Changes in reinsurance contracts by measurement component prior year </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:auto;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/></colgroup><thead>\n<tr style=\"border:none;\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-top-1 headrow\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-middle align-center border-bottom-1 border-top-1 headrow\" scope=\"col\" style=\"text-align:center;vertical-align:middle;border-bottom:1px solid;\"><b>Estimates of the present value of the future cash flows </b></th><th class=\"startCol-3 endCol-3 valign-middle align-center border-bottom-1 border-top-1 headrow\" scope=\"col\" style=\"text-align:center;vertical-align:middle;border-bottom:1px solid;\"><b>Risk adjustment for non-financial risk </b></th><th class=\"startCol-4 endCol-6 valign-middle align-left border-bottom-1 border-top-1 colspan-3 headrow\" colspan=\"3\" scope=\"col\" style=\"text-align:left;vertical-align:middle;border-bottom:1px solid;\"><b>CSM </b></th><th class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-top-1 headrow\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;border-bottom:1px solid;\"><b>Total </b></th></tr>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-left-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;\"><b>2022 </b></th><th class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Total </b></th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Of which, contracts recognised from transition date and retrospective approach </b></th><th class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Of which, contracts under fair value approach </b></th><th class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-left-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>At 1 January </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>297 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>297 </b></td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Changes in the income statement: </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b><i>Changes that relate to future services </i></b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">- Changes in estimates that adjust the CSM </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-2 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">- Effects of contracts initially recognised in the period </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">7 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-7 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-7 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b><i>Changes that relate to current services: </i></b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">- CSM recognised in the income statement for services received </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">4 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">5 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-1 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">4 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">- Release of the risk adjustment for non-financial risk </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-5 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-5 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">- Experience adjustments </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-17 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-17 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b><i>Changes relate to past service </i></b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1\" style=\"text-align:right;vertical-align:bottom;\"><b>16 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1\" style=\"text-align:right;vertical-align:bottom;\"><b>16 </b></td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Net expenses from reinsurance contracts </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-1 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-1 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-1 </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-1 </b></td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-2 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Net finance income from reinsurance contracts </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-22 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-21 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total changes in the income statement </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-23 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>1 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-1 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-1 </b></td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-23 </b></td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Cash flows: </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Premiums paid </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">21 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">21 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Insurance service expenses recovered from reinsurance contracts </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-105 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-105 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total cash flows </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-84 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-84 </b></td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>At 31 December </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>190 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>1 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>190 </b></td></tr></tbody></table> <br/>\n<div class=\"tanPageBreak newPage\"> </div>\n<div class=\"header header-1\">Non-life PAA </div>\n<h3 class=\"table-title\">Changes in insurance contracts by remaining coverage and incurred claims current year </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:auto;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/></colgroup><thead>\n<tr style=\"border:none;\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-left-1 border-right-1 headrow\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-3 valign-bottom align-center border-bottom-1 border-left-1 border-right-1 colspan-2 headrow\" colspan=\"2\" scope=\"col\" style=\"text-align:center;vertical-align:bottom;border-bottom:1px solid;\"><b>Liabilities for remaining coverage </b></th><th class=\"startCol-4 endCol-5 valign-bottom align-center border-bottom-1 border-left-1 border-right-1 colspan-2 headrow\" colspan=\"2\" scope=\"col\" style=\"text-align:center;vertical-align:bottom;border-bottom:1px solid;\"><b>Liabilities for incurred claims </b></th><th class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 headrow\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;border-bottom:1px solid;\"><b>Total </b></th></tr>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Excluding loss component </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Loss component </b></th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Estimates of the present value of the future cash flows </b></th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Risk adjustment for non-financial risk </b></th><th class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>At 1 January 2023 </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>5 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>9 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>1,682 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>55 </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>1,751 </b></td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-left-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Changes in the income statement </b></td><td class=\"startCol-2 endCol-2 valign-top border-left-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-left-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Insurance contract revenue </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-3,693 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-3,693 </b></td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Insurance service expenses </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">New incurred claims and benefits </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-18 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,844 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">21 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,847 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Changes related to past services </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">29 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-10 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">18 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Losses and reversals of losses on onerous contracts </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">12 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">12 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Claims and benefits </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-6 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>2,873 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>11 </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>2,877 </b></td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Insurance service operating expenses </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>682 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>682 </b></td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total insurance service expenses </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-6 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>3,555 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>11 </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>3,559 </b></td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Insurance service result </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-3,693 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-6 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>3,555 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>11 </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-133 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Net finance expenses from insurance contracts </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">55 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">3 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">57 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total changes in the income statement </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-3,693 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-6 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>3,610 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>13 </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-76 </b></td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Cash flows </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Premiums received </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">3,443 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">3,443 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Insurance service expenses paid </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-487 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-2,841 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-3,328 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total cash flows </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>2,956 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-2,841 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>115 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Changes in the composition of the group </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">14 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">14 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Transfer prepaid insurance service expenses from LRC to LIC </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">476 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-476 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>At 31 December 2023 </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-242 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>3 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>1,975 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>68 </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>1,804 </b></td></tr></tbody></table> <br/>\n<p>Changes in the composition of the group relates to the liabilities acquired through the acquisition of Aegon NL, see <a href=\"#n1287134\" title=\"Acquisitions\">chapter 7.4.5</a>. </p>\n<h3 class=\"table-title\">Changes in insurance contracts by remaining coverage and incurred claims prior year </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:auto;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/></colgroup><thead>\n<tr style=\"border:none;\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-left-1 border-right-1 headrow\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-3 valign-bottom align-center border-bottom-1 border-left-1 border-right-1 colspan-2 headrow\" colspan=\"2\" scope=\"col\" style=\"text-align:center;vertical-align:bottom;border-bottom:1px solid;\"><b>Liabilities for remaining coverage </b></th><th class=\"startCol-4 endCol-5 valign-bottom align-center border-bottom-1 border-left-1 border-right-1 colspan-2 headrow\" colspan=\"2\" scope=\"col\" style=\"text-align:center;vertical-align:bottom;border-bottom:1px solid;\"><b>Liabilities for incurred claims </b></th><th class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 headrow\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;border-bottom:1px solid;\"><b>Total </b></th></tr>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Excluding loss component </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Loss component </b></th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Estimates of the present value of the future cash flows </b></th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Risk adjustment for non-financial risk </b></th><th class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>At 1 January 2022 </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-93 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>2 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>1,803 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>67 </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>1,778 </b></td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Changes in the income statement </b></td><td class=\"startCol-2 endCol-2 valign-top border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Insurance contract revenue </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1\" style=\"text-align:right;vertical-align:bottom;\">-2,792 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1\" style=\"text-align:right;vertical-align:bottom;\">-2,792 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Insurance service expenses </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">New incurred claims and benefits </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-2 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2,011 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">18 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2,028 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Changes related to past services </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">34 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-30 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">3 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Losses and reversals of losses on onerous contracts </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1\" style=\"text-align:right;vertical-align:bottom;\">9 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1\" style=\"text-align:right;vertical-align:bottom;\">9 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Claims and benefits </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>8 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>2,044 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-12 </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>2,040 </b></td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Insurance service operating expenses </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>628 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>628 </b></td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total insurance service expenses </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>8 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>2,673 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-12 </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>2,669 </b></td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Insurance service result </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-2,792 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>8 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>2,673 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-12 </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-123 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Net finance expenses from insurance contracts </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-136 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-136 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total changes in the income statement </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-2,792 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>8 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>2,537 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-12 </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-259 </b></td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Cash flows </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Premiums received </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2,879 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2,879 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Insurance service expenses paid </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-430 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-2,218 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-2,648 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total cash flows </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>2,450 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-2,218 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>232 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Transfer prepaid insurance service expenses from LRC to LIC </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">440 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-440 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>At 31 December 2022 </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>5 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>9 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>1,682 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>55 </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>1,751 </b></td></tr></tbody></table> <br/>\n<h3 class=\"table-title\">Changes in reinsurance contracts by remaining coverage and incurred claims current year </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:auto;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/></colgroup><thead>\n<tr style=\"border:none;\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 headrow\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-3 valign-middle align-center border-bottom-1 colspan-2 headrow\" colspan=\"2\" scope=\"col\" style=\"text-align:center;vertical-align:middle;border-bottom:1px solid;\"><b>Assets for remaining coverage </b></th><th class=\"startCol-4 endCol-5 valign-middle align-center border-bottom-1 colspan-2 headrow\" colspan=\"2\" scope=\"col\" style=\"text-align:center;vertical-align:middle;border-bottom:1px solid;\"><b>Assets for incurred claims </b></th><th class=\"startCol-6 endCol-6 valign-middle align-right border-bottom-1 headrow\" scope=\"col\" style=\"text-align:right;vertical-align:middle;border-bottom:1px solid;\"><b>Total </b></th></tr>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-left-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;\"><b>2023 </b></th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Excluding loss recovery component </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Loss recovery component </b></th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Estimates of the present value of the future cash flows </b></th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Risk adjustment for non-financial risk </b></th><th class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>At 1 January </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>3 </b></td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>53 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>2 </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>58 </b></td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Changes in the income statement </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Allocation of reinsurance premiums paid </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-105 </td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-105 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Amounts recoverable from reinsurers </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">61 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">61 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Adjustments to assets for incurred claims </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">42 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">42 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Net expenses from reinsurance contracts </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-105 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>103 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>1 </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-2 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Net finance income from reinsurance contracts </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total changes in the income statement </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-105 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>105 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>1 </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Cash flows </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Premiums paid </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">108 </td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">108 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Insurance service expenses recovered from reinsurance contracts </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-90 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-90 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total cash flows </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>108 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-90 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>18 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Changes in the composition of the group </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-1 </td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-1 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>At 31 December </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>4 </b></td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>68 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>3 </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>75 </b></td></tr></tbody></table> <br/>\n<h3 class=\"table-title\">Changes in reinsurance contracts by remaining coverage and incurred claims prior year </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:auto;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/></colgroup><thead>\n<tr style=\"border:none;\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 headrow\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-3 valign-middle align-center border-bottom-1 colspan-2 headrow\" colspan=\"2\" scope=\"col\" style=\"text-align:center;vertical-align:middle;border-bottom:1px solid;\"><b>Assets for remaining coverage </b></th><th class=\"startCol-4 endCol-5 valign-middle align-center border-bottom-1 colspan-2 headrow\" colspan=\"2\" scope=\"col\" style=\"text-align:center;vertical-align:middle;border-bottom:1px solid;\"><b>Assets for incurred claims </b></th><th class=\"startCol-6 endCol-6 valign-middle align-right border-bottom-1 headrow\" scope=\"col\" style=\"text-align:right;vertical-align:middle;border-bottom:1px solid;\"><b>Total </b></th></tr>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-left-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;\"><b>2022 </b></th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Excluding loss recovery component </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Loss recovery component </b></th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Estimates of the present value of the future cash flows </b></th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Risk adjustment for non-financial risk </b></th><th class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>At 1 January </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>6 </b></td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>27 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>2 </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>35 </b></td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Changes in the income statement </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Allocation of reinsurance premiums paid </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-71 </td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-71 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Amounts recoverable from reinsurers </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">48 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">48 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Adjustments to assets for incurred claims </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">7 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-1 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">6 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Net expenses from reinsurance contracts </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-71 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>55 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-1 </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-16 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Net finance income from reinsurance contracts </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-5 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-5 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total changes in the income statement </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-71 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>50 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-1 </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-21 </b></td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Cash flows </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Premiums paid </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">68 </td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">68 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Insurance service expenses recovered from reinsurance contracts </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-24 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-24 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total cash flows </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>68 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-24 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>44 </b></td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>At 31 December </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>3 </b></td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>53 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>2 </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>58 </b></td></tr></tbody></table> <br/>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n1288830\"><span class=\"number\">7.5.13.2 </span><span class=\"title-text\">Life - GMM </span></h1>\n<h3 class=\"table-title\">Changes in insurance contracts by remaining coverage and incurred claims current year </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:auto;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/></colgroup><thead>\n<tr style=\"border:none;\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 headrow\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-3 valign-bottom align-right border-bottom-1 colspan-2 headrow\" colspan=\"2\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;border-bottom:1px solid;\"><b>Liabilities for remaining coverage </b></th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 headrow\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;border-bottom:1px solid;\"><b>Liabilities for incurred claims </b></th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 headrow\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;border-bottom:1px solid;\"><b>Total </b></th></tr>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Excluding loss component </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Loss component </b></th><th class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>At 1 January 2023 </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>25,549 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>210 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>141 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>25,900 </b></td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Changes in the income statement </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Insurance contract revenue of which: </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-2,113 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-2,113 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Contracts recognised from transition date and retrospective approach </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-1,148 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-1,148 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Contracts under the fair value approach </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-965 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-965 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Insurance service expenses </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">New incurred claims and benefits </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-32 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1,744 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1,712 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Losses and reversals of losses on onerous contracts </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">41 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">41 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Claims and benefits </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>9 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>1,744 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>1,753 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Other insurance service operating expenses </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">132 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">132 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Amortisation of insurance acquisition cash flows </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Insurance service operating expenses </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>2 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>132 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>134 </b></td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total insurance service expenses </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>2 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>9 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>1,875 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>1,887 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Investment components </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-619 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">619 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Insurance service result </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-2,730 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>9 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>2,495 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-226 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Net finance expenses (income) from insurance contracts </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,415 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,416 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total changes in the income statement </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-315 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>10 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>2,495 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>2,190 </b></td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Cash flows </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Premiums received </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">927 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">927 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Insurance service expenses paid, including investment components </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-4 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-2,501 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-2,505 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Insurance acquisition cash flows </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-3 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-3 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total cash flows </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>920 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-2,501 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-1,581 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Changes in the composition of the group </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">29,552 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">29,553 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>At 31 December 2023 </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>55,707 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>220 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>136 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>56,063 </b></td></tr></tbody></table> <br/>\n<p>Changes in the composition of the group relates to the liabilities acquired through the acquisition of Aegon NL, see chapter <a href=\"#n1287134\" title=\"Acquisitions\">7.4.5</a>. </p>\n<h3 class=\"table-title\">Changes in insurance contracts by remaining coverage and incurred claims prior year </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:auto;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/></colgroup><thead>\n<tr style=\"border:none;\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 headrow\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-3 valign-bottom align-right border-bottom-1 colspan-2 headrow\" colspan=\"2\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;border-bottom:1px solid;\"><b>Liabilities for remaining coverage </b></th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 headrow\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;border-bottom:1px solid;\"><b>Liabilities for incurred claims </b></th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 headrow\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;border-bottom:1px solid;\"><b>Total </b></th></tr>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Excluding loss component </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Loss component </b></th><th class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>At 1 January 2022 </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>35,259 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>29 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>182 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>35,470 </b></td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Changes in the income statement </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Insurance contract revenue of which: </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-1,249 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-1,249 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Contracts recognised from transition date and retrospective approach </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-270 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-270 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Contracts under the fair value approach </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-979 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-979 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Insurance service expenses </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">New incurred claims and benefits </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-58 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">982 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">923 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Losses and reversals of losses on onerous contracts </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">239 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">239 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Incurred claims and benefits </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>180 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>982 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>1,162 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Other insurance service operating expenses </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">64 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">64 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Amortisation of insurance acquisition cash flows </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Insurance service operating expenses </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>2 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>64 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>65 </b></td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total insurance service expenses </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>2 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>180 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>1,046 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>1,228 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Investment components </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-659 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">659 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Insurance service result </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-1,907 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>180 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>1,705 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-22 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Net finance expenses (income) from insurance contracts </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-8,498 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-8,498 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total changes in the income statement </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-10,405 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>181 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>1,705 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-8,519 </b></td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Cash flows </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Premiums received </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">702 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">702 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Insurance service expenses paid, including investment components </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-1,746 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-1,746 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Insurance acquisition cash flows </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-2 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-2 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total cash flows </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>700 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-1,746 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-1,046 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Other </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-5 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-5 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>At 31 December 2022 </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>25,549 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>210 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>141 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>25,900 </b></td></tr></tbody></table> <br/>\n<p>For the Life segment the LRC includes the incurred claims from certain second order events (for example from future premium waiver at disability or incurred survivor benefits) following the option to account for these events as part of the LRC. </p>\n<h3 class=\"table-title\">Changes in insurance contracts by measurement component current year </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:auto;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/></colgroup><thead>\n<tr style=\"border:none;\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 headrow\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 headrow\" scope=\"col\" style=\"text-align:right;vertical-align:middle;border-bottom:1px solid;\"><b>Estimates of the present value of the future cash flows </b></th><th class=\"startCol-3 endCol-3 valign-middle align-right border-bottom-1 headrow\" scope=\"col\" style=\"text-align:right;vertical-align:middle;border-bottom:1px solid;\"><b>Risk adjustment for non-financial risk </b></th><th class=\"startCol-4 endCol-6 valign-middle align-left border-bottom-1 colspan-3 headrow\" colspan=\"3\" scope=\"col\" style=\"text-align:left;vertical-align:middle;border-bottom:1px solid;\"><b>CSM </b></th><th class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 headrow\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;border-bottom:1px solid;\"><b>Total </b></th></tr>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Total </b></th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Of which, contracts recognised from transition date and retrospective approach </b></th><th class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Of which, contracts under fair value approach </b></th><th class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>At 1 January 2023 </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>23,339 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>963 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>1,598 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>1,049 </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>549 </b></td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>25,900 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Changes in the income statement </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-left-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\"><b><i>Changes that relate to future services: </i></b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-left-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">- Changes in estimates that adjust the CSM </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-194 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">168 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">25 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-12 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">37 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">- Changes in estimates that result in losses or the reversal of losses on onerous contracts </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">38 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-8 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">30 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">- Effects of contracts initially recognised in the period </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-91 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">27 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">76 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">76 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">11 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\"><b><i>Changes that relate to current services: </i></b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-left-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">- CSM recognised in profit or loss for services provided </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-145 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-104 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-41 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-145 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">- Release of the risk adjustment for non-financial risk </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-103 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-103 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">- Experience adjustments </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-19 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-19 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Insurance service result </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-266 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>84 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-44 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-40 </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-3 </b></td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-226 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Net finance expenses (income) from insurance contracts </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,391 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-45 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">71 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">71 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,416 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total changes in the income statement </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>2,125 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>39 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>27 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>30 </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-3 </b></td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>2,190 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Cash flows </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-left-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Premiums received </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">927 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">927 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Insurance service expenses paid </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-2,505 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-2,505 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Insurance acquisition cash flows </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-3 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-3 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total cash flows </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-1,581 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-1,581 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Changes in the composition of the group </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">26,430 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1,080 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,043 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,043 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">29,553 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>At 31 December 2023 </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>50,313 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>2,082 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>3,668 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>3,122 </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>545 </b></td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>56,063 </b></td></tr></tbody></table> <br/>\n<h3 class=\"table-title\">Changes in insurance contracts by measurement component prior year </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:auto;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/></colgroup><thead>\n<tr style=\"border:none;\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 headrow\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 headrow\" scope=\"col\" style=\"text-align:right;vertical-align:middle;border-bottom:1px solid;\"><b>Estimates of the present value of the future cash flows </b></th><th class=\"startCol-3 endCol-3 valign-middle align-right border-bottom-1 border-right-1 headrow\" scope=\"col\" style=\"text-align:right;vertical-align:middle;border-bottom:1px solid;\"><b>Risk adjustment for non-financial risk </b></th><th class=\"startCol-4 endCol-6 valign-middle align-left border-bottom-1 border-left-1 colspan-3 headrow\" colspan=\"3\" scope=\"col\" style=\"text-align:left;vertical-align:middle;border-bottom:1px solid;\"><b>CSM </b></th><th class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 headrow\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;border-bottom:1px solid;\"><b>Total </b></th></tr>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Total </b></th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Of which, contracts recognised from transition date and retrospective approach </b></th><th class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Of which, contracts under fair value approach </b></th><th class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>At 1 January 2022 </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>32,288 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>1,384 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>1,799 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>1,132 </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>667 </b></td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>35,470 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Changes in the income statement </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\"><b><i>Changes that relate to future services: </i></b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">- Changes in estimates that adjust the CSM </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">430 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-221 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-209 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-134 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-75 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">- Changes in estimates that result in losses or the reversal of losses on onerous contracts </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">24 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">193 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">218 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">- Effects of contracts initially recognised in the period </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-77 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">34 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">65 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">65 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">21 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\"><b><i>Changes that relate to current services: </i></b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">- CSM recognised in profit or loss for services provided </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-75 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-34 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-41 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-75 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">- Release of the risk adjustment for non-financial risk </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-96 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-96 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">- Experience adjustments </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-89 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-89 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Insurance service result </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>288 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-90 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-220 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-103 </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-117 </b></td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-22 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Net finance expenses (income) from insurance contracts </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-8,186 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-331 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">19 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">20 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-1 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-8,498 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total changes in the income statement </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-7,898 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-421 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-201 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-83 </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-118 </b></td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-8,519 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Cash flows </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Premiums received </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">702 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">702 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Insurance service expenses paid </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-1,746 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-1,746 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Insurance acquisition cash flows </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-2 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-2 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total cash flows </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-1,046 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-1,046 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Other </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-5 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-5 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>At 31 December 2022 </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>23,339 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>963 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>1,598 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>1,049 </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>549 </b></td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>25,900 </b></td></tr></tbody></table> <br/>\n<div class=\"tanPageBreak newPage\"> </div>\n<h3 class=\"table-title\">Changes in reinsurance contracts by remaining coverage and incurred claims </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:auto;\"/><col style=\"width:20%;\"/><col style=\"width:20%;\"/><col style=\"width:20%;\"/></colgroup><thead>\n<tr style=\"border:none;\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-top-1 headrow\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-middle align-center border-bottom-1 border-top-1 headrow\" scope=\"col\" style=\"text-align:center;vertical-align:middle;border-bottom:1px solid;\"><b>Assets for remaining coverage </b></th><th class=\"startCol-3 endCol-3 valign-middle align-center border-bottom-1 border-top-1 headrow\" scope=\"col\" style=\"text-align:center;vertical-align:middle;border-bottom:1px solid;\"><b>Assets for incurred claims </b></th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 headrow\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;border-bottom:1px solid;\"><b>Total </b></th></tr>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;\"><b>2023 </b></th><th class=\"startCol-2 endCol-2 valign-bottom align-left border-bottom-1 border-left-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;\"><b>Excluding loss recovery component </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-left border-bottom-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;\">\u00a0</th><th class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>At 1 January </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>130 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-1 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>129 </b></td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Changes in the income statement: </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Allocation of reinsurance premiums paid </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-440 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-440 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">Amounts recoverable from reinsurers </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">423 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">423 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Changes in amounts recoverable arising from changes in assets for incurred claims </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Net expenses from reinsurance contracts </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-440 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>423 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-17 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Net finance income from reinsurance contracts </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-16 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-16 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total changes in the income statement </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-456 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>423 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-33 </b></td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Cash flows: </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">Premiums paid </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">437 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">437 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Insurance service expenses recovered from reinsurance contracts </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-423 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-423 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total cash flows </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>437 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-423 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>14 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">Changes in the composition of the group </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">102 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">102 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>At 31 December </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>213 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-1 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>211 </b></td></tr></tbody></table> <br/>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:auto;\"/><col style=\"width:20%;\"/><col style=\"width:20%;\"/><col style=\"width:20%;\"/></colgroup><thead>\n<tr style=\"border:none;\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-top-1 headrow\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-middle align-center border-bottom-1 border-top-1 headrow\" scope=\"col\" style=\"text-align:center;vertical-align:middle;border-bottom:1px solid;\"><b>Assets for remaining coverage </b></th><th class=\"startCol-3 endCol-3 valign-middle align-center border-bottom-1 border-top-1 headrow\" scope=\"col\" style=\"text-align:center;vertical-align:middle;border-bottom:1px solid;\"><b>Assets for incurred claims </b></th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 headrow\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;border-bottom:1px solid;\"><b>Total </b></th></tr>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;\"><b>2022 </b></th><th class=\"startCol-2 endCol-2 valign-bottom align-left border-bottom-1 border-left-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;\"><b>Excluding loss recovery component </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-left border-bottom-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;\">\u00a0</th><th class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>At 1 January </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>188 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-2 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>186 </b></td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Changes in the income statement: </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Allocation of reinsurance premiums paid </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-17 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-17 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">Amounts recoverable from reinsurers </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">12 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">12 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Changes in amounts recoverable arising from changes in assets for incurred claims </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Net expenses from reinsurance contracts </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-17 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>12 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-5 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Net finance income from reinsurance contracts </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-41 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-41 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total changes in the income statement </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-58 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>12 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-46 </b></td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Cash flows: </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Insurance service expenses recovered from reinsurance contracts </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-11 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-11 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total cash flows </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-11 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-11 </b></td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>At 31 December </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>130 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-1 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>129 </b></td></tr></tbody></table> <br/>\n<div class=\"tanPageBreak newPage\"> </div>\n<h3 class=\"table-title\">Changes in reinsurance contracts by measurement component </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:auto;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/></colgroup><thead>\n<tr style=\"border:none;\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-top-1 headrow\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-middle align-center border-bottom-1 border-top-1 headrow\" scope=\"col\" style=\"text-align:center;vertical-align:middle;border-bottom:1px solid;\"><b>Estimates of the present value of the future cash flows </b></th><th class=\"startCol-3 endCol-3 valign-middle align-center border-bottom-1 border-top-1 headrow\" scope=\"col\" style=\"text-align:center;vertical-align:middle;border-bottom:1px solid;\"><b>Risk adjustment for non-financial risk </b></th><th class=\"startCol-4 endCol-6 valign-middle align-left border-bottom-1 border-top-1 colspan-3 headrow\" colspan=\"3\" scope=\"col\" style=\"text-align:left;vertical-align:middle;border-bottom:1px solid;\"><b>CSM </b></th><th class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-top-1 headrow\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;border-bottom:1px solid;\"><b>Total </b></th></tr>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;\"><b>2023 </b></th><th class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Total </b></th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Of which, contracts recognised from transition date and retrospective approach </b></th><th class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Of which, contracts under fair value approach </b></th><th class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-left-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>At 1 January </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>120 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>8 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>2 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>2 </b></td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>129 </b></td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Changes in the income statement: </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-left-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b><i>Changes that relate to future services </i></b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-left-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">- Changes in estimates that adjust the CSM </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-25 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">56 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-31 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-35 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">4 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b><i>Changes that relate to current services: </i></b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">- CSM recognised in the income statement for services received </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-1 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-1 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">- Release of the risk adjustment for non-financial risk </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-11 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-11 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">- Experience adjustments </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-5 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-5 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Net expenses from reinsurance contracts </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-30 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>45 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-32 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-35 </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>4 </b></td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-17 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Net finance income from reinsurance contracts </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-17 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-1 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-16 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total changes in the income statement </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-47 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>45 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-30 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-35 </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>6 </b></td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-33 </b></td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Cash flows: </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-left-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Premiums paid </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">437 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">437 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Insurance service expenses recovered from reinsurance contracts </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-423 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-423 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total cash flows </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>14 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>14 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Changes in the composition of the group </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-413 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">426 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">90 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">90 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">102 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>At 31 December </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-328 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>478 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>61 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>55 </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>7 </b></td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>211 </b></td></tr></tbody></table> <br/>\n<p>Changes in the composition of the group relates to the liabilities acquired through the acquisition of Aegon NL, see chapter <a href=\"#n1287134\" title=\"Acquisitions\">7.4.5</a>. </p>\n<div class=\"tanPageBreak newPage\"> </div>\n<h3 class=\"table-title\">Changes in reinsurance contracts by measurement component </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:auto;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/></colgroup><thead>\n<tr style=\"border:none;\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-top-1 headrow\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-middle align-center border-bottom-1 border-top-1 headrow\" scope=\"col\" style=\"text-align:center;vertical-align:middle;border-bottom:1px solid;\"><b>Estimates of the present value of the future cash flows </b></th><th class=\"startCol-3 endCol-3 valign-middle align-center border-bottom-1 border-top-1 headrow\" scope=\"col\" style=\"text-align:center;vertical-align:middle;border-bottom:1px solid;\"><b>Risk adjustment for non-financial risk </b></th><th class=\"startCol-4 endCol-5 valign-middle align-left border-bottom-1 border-top-1 colspan-2 headrow\" colspan=\"2\" scope=\"col\" style=\"text-align:left;vertical-align:middle;border-bottom:1px solid;\"><b>CSM </b></th><th class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1 headrow\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;border-bottom:1px solid;\"><b>Total </b></th></tr>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-left-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;\"><b>2022 </b></th><th class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Total </b></th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Of which, contracts under fair value approach </b></th><th class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>At 1 January </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>163 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>14 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>9 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>9 </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>186 </b></td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Changes in the income statement: </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b><i>Changes that relate to future services </i></b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">- Changes in estimates that adjust the CSM </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-1 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-1 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-1 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b><i>Changes that relate to current services: </i></b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">- CSM recognised in the income statement for services received </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-7 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-7 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-7 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">- Release of the risk adjustment for non-financial risk </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-1 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-1 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">- Experience adjustments </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Net expenses from reinsurance contracts </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>4 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-2 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-8 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-8 </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-5 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Net finance income from reinsurance contracts </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-37 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-4 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-41 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total changes in the income statement </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-32 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-6 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-8 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-46 </b></td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Cash flows: </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Insurance service expenses recovered from reinsurance contracts </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-11 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-11 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total cash flows </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-11 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-11 </b></td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>At 31 December </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>120 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>8 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>2 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>2 </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>129 </b></td></tr></tbody></table> <br/>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n1288854\"><span class=\"number\">7.5.13.3 </span><span class=\"title-text\">Assumptions used </span></h1>\n<p>In estimating the fulfilment cash flows included in the contract boundary, a.s.r. considers the range of all possible outcomes in an unbiased way specifying the amount of cash flows, timing and probability reflecting conditions existing at the measurement date, using a probability-weighted average of all possible scenarios. In determining possible scenarios, a.s.r. uses all the reasonable and supportable information available to them without undue cost and effort, which includes information about past events, current conditions and future forecasts. </p>\n<div class=\"header header-2\">Actuarial assumptions </div>\n<p>Cash flow estimates include both market variables directly observed in the market or derived directly from markets and non-market variables, such as mortality and longevity. The best estimate assumptions regarding mortality and longevity include recent trend assumptions for life expectancy in the Netherlands, as provided by the Dutch Koninklijk Actuarieel Genootschap (Actuarial Association). </p>\n<p>Lapse, cancellation and surrender assumptions are non-economic assumptions and reflect the expected policyholder behaviour. As such the rates usually depend on issue year, policy year, major business lines and sales channels. Such granularity is usually enough to capture how the product terms and conditions as well as regulations can influence the timing and volume of lapse and surrenders. Calendar year based adjustments and dynamic policyholder behaviour are considered when needed in specific circumstances. </p>\n<p>Expenses are included in the fulfilment cash flows, when they are directly attributable to insurance contracts and have been allocated to the business lines. These expenses include acquisition expenses, investment expenses related to direct participating contracts as well as overhead costs that a.s.r. considers to be unavoidable when fulfilling the in-force contracts. </p>\n<div class=\"header header-2\">Risk adjustment </div>\n<p>The risk adjustment is determined for each portfolio of insurance contracts using a Cost of Capital (CoC) method similar to the risk margin used for reporting under the Solvency II. a.s.r. currently uses the Solvency II model to quantify the risks, adjusted for the following points: </p><ul><li>\n<p>Excluding general operational risk; </p></li><li>\n<p>Excluding market risk (if any); </p></li><li>\n<p>Excluding reinsurance counterparty default risk; </p></li><li>\n<p>Added a reinsured risk adjustment by calculating the risk adjustment gross and net of reinsurance; </p></li><li>\n<p>A CoC rate of 6% is used, diversification effects are applied for disability, taking into account a going concern basis; </p></li><li>\n<p>ECAP is used where available (e.g. P&amp;C Cat risk); and </p></li><li>\n<p>The IFRS 17 discount rate curve is used. </p></li></ul>\n<p>The risks that are generally incorporated through the risk adjustment are mortality, longevity, disability, lapse, catastrophe and expense risk. A projection of expected future risks is made and all these risks are projected into the future. The total risk for every future year is determined based on correlations between the risks described in Solvency II. The projected total risk for every year is multiplied by a cost of capital charge and discounted at the balance sheet date. </p>\n<p>The risk adjustment is calculated at a range of confidence levels, as set out below in the table. The implied confidence levels are determined for both the one year and multiyear view, gross of reinsurance. </p>\n<h3 class=\"table-title\">Confidence levels </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:28%;\"/><col style=\"width:37.5%;\"/><col style=\"width:34.5%;\"/></colgroup><thead>\n<tr style=\"border:none;\"><th class=\"startCol-1 endCol-1 valign-top border-right-1 headrow\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-top border-left-1 headrow\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-right-1 headrow\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;border-bottom:1px solid;\"><b>31 December 2023 </b></th></tr>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>1 year view </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Ultimate view </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Range </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">95% - 98% </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">66% - 76% </td></tr></tbody></table> <br/>\n<div class=\"header header-2\">Discount curve </div>\n<p>Discount curves to discount the expected future fulfilment cash flows are determined using a liquid risk free curve to which an illiquidity premium is added. The risk-free curve is based on the 6-month EURIBOR swap rate and includes a credit-risk adjustment and a first smoothing point of 20 years. a.s.r. uses an UFR of 3.40% in 2023 (2022: 3.45%) for the construction of the curve from the first smoothing point (FSP). The liability illiquidity premium (LIP) is the adjustment resulting from differences between the liquidity characteristics of the group of insurance contracts and the liquidity of the assets used to establish the yield curve. The LIP is derived from a.s.r.\u2019s current asset portfolio using a top-down approach per entity or liability product. </p>\n<p>The discount curves are also applicable to the liabilities arising from direct participating insurance contracts. Further information on these contracts can be found in chapter <a href=\"#n1288943\" title=\"Liabilities arising from direct participating insurance contracts\">7.5.14</a>. </p>\n<p>The range of application ratio\u2019s follow the SCR Mass Lapse methodology, and include the harmonisation with Aegon NL. </p>\n<h3 class=\"table-title\">Discount curves used in the valuation of the insurance contract liabilities and liabilities arising from direct participating insurance contracts </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:0%;\"/><col style=\"width:12%;\"/><col style=\"width:10%;\"/><col style=\"width:10%;\"/><col style=\"width:10%;\"/><col style=\"width:10%;\"/><col style=\"width:10%;\"/><col style=\"width:10%;\"/><col style=\"width:10%;\"/></colgroup><thead>\n<tr style=\"border:none;\"><th class=\"startCol-1 endCol-1 valign-top headrow\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-top headrow\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-3 endCol-3 valign-top headrow\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-4 endCol-4 valign-top headrow\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-5 endCol-5 valign-top headrow\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-6 endCol-6 valign-top headrow\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-7 endCol-7 valign-top headrow\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-8 endCol-8 valign-top headrow\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-9 endCol-9 valign-bottom align-right headrow\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;border-bottom:1px solid;\"><b>Years </b></th></tr>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;\"><b>Range LIP </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>1 </b></th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>5 </b></th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>10 </b></th><th class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>20 </b></th><th class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>30 </b></th><th class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>40 </b></th><th class=\"startCol-9 endCol-9 valign-bottom align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>50 </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">1 January 2022 </td><td class=\"startCol-2 endCol-2 valign-bottom border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">25% (min) </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-0.46% </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">0.04% </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">0.33% </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">0.58% </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1.02% </td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1.51% </td><td class=\"startCol-9 endCol-9 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1.87% </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-bottom border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">100% (max) </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-0.34% </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">0.16% </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">0.45% </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">0.70% </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1.12% </td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1.59% </td><td class=\"startCol-9 endCol-9 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1.94% </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-8 endCol-8 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-9 endCol-9 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">31 December 2022 </td><td class=\"startCol-2 endCol-2 valign-bottom border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">25% (min) </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">3.32% </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">3.27% </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">3.23% </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2.90% </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2.75% </td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2.84% </td><td class=\"startCol-9 endCol-9 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2.94% </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-bottom border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">100% (max) </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">3.61% </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">3.56% </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">3.52% </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">3.19% </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2.99% </td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">3.03% </td><td class=\"startCol-9 endCol-9 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">3.09% </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-8 endCol-8 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-9 endCol-9 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">31 December 2023 </td><td class=\"startCol-2 endCol-2 valign-bottom border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">50% (min) </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">3.80% </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2.76% </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2.83% </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2.84% </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2.82% </td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2.91% </td><td class=\"startCol-9 endCol-9 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2.99% </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-bottom border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">100% (max) </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">4.21% </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">3.17% </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">3.24% </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">3.25% </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">3.17% </td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">3.18% </td><td class=\"startCol-9 endCol-9 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">3.21% </td></tr></tbody></table> <br/>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n1288877\"><span class=\"number\">7.5.13.4 </span><span class=\"title-text\">Contracts issued and acquired in the period </span></h1>\n<p>The following tables summarise the effect on the measurement components of insurance and reinsurance contracts arising from the initial recognition of contracts measured under the GMM that were initially recognised in the year. </p>\n<h3 class=\"table-title\">Contracts issued and acquired: Non-life insurance contracts current year </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:auto;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;\">2023 </th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Profitable contracts issued </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Onerous contracts issued </b></th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Contracts acquired </b></th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Total </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Expected claims and insurance service operating expenses </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1,100 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1,333 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,433 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Insurance acquisition cash flows </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">32 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">32 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Estimates of the present value of future cash outflows </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>1,132 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>1,333 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>2,465 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Estimates of the present value of future cash inflows </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-1,249 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-1,475 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-2,724 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Risk adjustment for non-financial risk </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">21 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">46 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">67 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">CSM </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">96 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">96 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">192 </td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Losses recognised on initial recognition </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td></tr></tbody></table> <br/>\n<h3 class=\"table-title\">Contracts issued and acquired: Non-life insurance contracts prior year </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:auto;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;\">2022 </th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Profitable contracts issued </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Onerous contracts issued </b></th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Contracts acquired </b></th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Total </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Expected claims and insurance service operating expenses </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">400 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">807 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,206 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Insurance acquisition cash flows </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">7 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">14 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">21 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Estimates of the present value of future cash outflows </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>407 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>821 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>1,228 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Estimates of the present value of future cash inflows </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-432 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-839 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-1,271 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Risk adjustment for non-financial risk </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">18 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">26 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">44 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">CSM </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">7 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">7 </td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Losses recognised on initial recognition </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>8 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>8 </b></td></tr></tbody></table> <br/>\n<h3 class=\"table-title\">Contracts issued and acquired: Non-life reinsurance contracts </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:auto;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>2023 </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>2022 </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Estimates of present value of cash inflows </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-132 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Estimates of present value of cash outflows </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">109 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Risk adjustment for non-financial risk </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">8 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">7 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">CSM </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">15 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1\" style=\"text-align:right;vertical-align:bottom;\">-7 </td></tr></tbody></table> <br/>\n<h3 class=\"table-title\">Contracts issued and acquired: Life insurance contracts current year </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:auto;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;\">2023 </th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Profitable contracts issued </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Onerous contracts issued </b></th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Contracts acquired </b></th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Total </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Expected claims and insurance service operating expenses </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">215 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">219 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">26,430 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">26,864 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Insurance acquisition cash flows </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">4 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">6 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Estimates of the present value of future cash outflows </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>217 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>223 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>26,430 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>26,871 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Estimates of the present value of future cash inflows </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-315 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-217 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-29,553 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-30,085 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Risk adjustment for non-financial risk </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">22 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">5 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1,080 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1,107 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">CSM </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">76 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,043 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,118 </td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Losses recognised on initial recognition </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>11 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>11 </b></td></tr></tbody></table> <br/>\n<h3 class=\"table-title\">Contracts issued and acquired: Life insurance contracts prior year </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:auto;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;\">2022 </th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Profitable contracts issued </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Onerous contracts issued </b></th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Contracts acquired </b></th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Total </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Expected claims and insurance service operating expenses </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">274 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">113 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">387 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Insurance acquisition cash flows </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2 </td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Estimates of the present value of future cash outflows </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>275 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>113 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>388 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Estimates of the present value of future cash inflows </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-368 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-98 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-466 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Risk adjustment for non-financial risk </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">28 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">6 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">34 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">CSM </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">65 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">65 </td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Losses recognised on initial recognition </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>21 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>21 </b></td></tr></tbody></table> <br/>\n<h3 class=\"table-title\">Contracts issued and acquired: Life reinsurance contracts </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:auto;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>2023 </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>2022 </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Estimates of present value of cash inflows </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">324 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Estimates of present value of cash outflows </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-839 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Risk adjustment for non-financial risk </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">426 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">CSM </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">90 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr></tbody></table> <br/>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n1288899\"><span class=\"number\">7.5.13.5 </span><span class=\"title-text\">Expected release of the CSM </span></h1>\n<p>The following table illustrates when a.s.r. expects to recognise the remaining CSM as revenue for contracts measured under the GMM. </p>\n<h3 class=\"table-title\">Expected release of the CSM current year </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:auto;\"/><col style=\"width:10%;\"/><col style=\"width:10%;\"/><col style=\"width:10%;\"/><col style=\"width:10%;\"/><col style=\"width:10%;\"/><col style=\"width:10%;\"/><col style=\"width:10%;\"/><col style=\"width:10%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;\">31 December 2023 </th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>&lt; 1 year </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>1-2 years </b></th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>2-3 years </b></th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>3-4 years </b></th><th class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>4-5 years </b></th><th class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>5-10 years </b></th><th class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>&gt; 10 years </b></th><th class=\"startCol-9 endCol-9 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Total </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Insurance contracts </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-8 endCol-8 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-9 endCol-9 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Non-Life GMM </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">51 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">18 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">16 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">15 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">14 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">64 </td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">59 </td><td class=\"startCol-9 endCol-9 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">236 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Life GMM </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">180 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">174 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">169 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">164 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">157 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">702 </td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,123 </td><td class=\"startCol-9 endCol-9 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">3,668 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-8 endCol-8 valign-top border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-9 endCol-9 valign-top border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Reinsurance contracts </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-left-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-8 endCol-8 valign-top border-bottom-1 border-left-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-9 endCol-9 valign-top border-bottom-1 border-left-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Non-Life GMM </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-1 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-1 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-1 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-1 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-1 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-3 </td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-7 </td><td class=\"startCol-9 endCol-9 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-14 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Life GMM </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-4 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-4 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-4 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-3 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-3 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-15 </td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-28 </td><td class=\"startCol-9 endCol-9 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-61 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-8 endCol-8 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-9 endCol-9 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total expected release of the CSM </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>227 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>188 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>180 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>174 </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>167 </b></td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>747 </b></td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>2,146 </b></td><td class=\"startCol-9 endCol-9 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>3,829 </b></td></tr></tbody></table> <br/>\n<h3 class=\"table-title\">Expected release of the CSM prior year </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:auto;\"/><col style=\"width:10%;\"/><col style=\"width:10%;\"/><col style=\"width:10%;\"/><col style=\"width:10%;\"/><col style=\"width:10%;\"/><col style=\"width:10%;\"/><col style=\"width:10%;\"/><col style=\"width:10%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;\">31 December 2022 </th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>&lt; 1 year </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>1-2 years </b></th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>2-3 years </b></th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>3-4 years </b></th><th class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>4-5 years </b></th><th class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>5-10 years </b></th><th class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>&gt; 10 years </b></th><th class=\"startCol-9 endCol-9 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Total </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Insurance contracts </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-8 endCol-8 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-9 endCol-9 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Non-Life GMM </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">14 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">7 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">5 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">5 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">5 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">26 </td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">7 </td><td class=\"startCol-9 endCol-9 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">69 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Life GMM </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">72 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">71 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">71 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">69 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">68 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">301 </td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">946 </td><td class=\"startCol-9 endCol-9 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,598 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-8 endCol-8 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-9 endCol-9 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Reinsurance contracts </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-8 endCol-8 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-9 endCol-9 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Non-Life GMM </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-9 endCol-9 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Life GMM </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-1 </td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-9 endCol-9 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-2 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-8 endCol-8 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-9 endCol-9 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total expected release of the CSM </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>86 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>78 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>76 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>75 </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>73 </b></td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>327 </b></td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>952 </b></td><td class=\"startCol-9 endCol-9 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>1,666 </b></td></tr></tbody></table> <br/>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n1288921\"><span class=\"number\">7.5.13.6 </span><span class=\"title-text\">Claims development table Non-life </span></h1>\n<p>The table below is a ten-year summary of movements in gross cumulative claims in connection with the Non-life portfolio for the period from 2014 to 2023. </p>\n<h3 class=\"table-title\">Ten-year summary of changes in gross cumulative claims </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:0%;\"/><col style=\"width:6.5%;\"/><col style=\"width:6.5%;\"/><col style=\"width:6.5%;\"/><col style=\"width:6.5%;\"/><col style=\"width:6.5%;\"/><col style=\"width:6.5%;\"/><col style=\"width:6.5%;\"/><col style=\"width:6.5%;\"/><col style=\"width:6.5%;\"/><col style=\"width:6.5%;\"/><col style=\"width:6.5%;\"/></colgroup><thead>\n<tr style=\"border:none;\"><th class=\"startCol-1 endCol-1 valign-top headrow\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-12 valign-bottom align-right border-bottom-1 colspan-11 headrow\" colspan=\"11\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;border-bottom:1px solid;\">Claims year </th></tr>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;\">31 December 2023 </th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">2014 </th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">2015 </th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">2016 </th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">2017 </th><th class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">2018 </th><th class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">2019 </th><th class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">2020 </th><th class=\"startCol-9 endCol-9 valign-bottom align-right border-bottom-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">2021 </th><th class=\"startCol-10 endCol-10 valign-bottom align-right border-bottom-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">2022 </th><th class=\"startCol-11 endCol-11 valign-bottom align-right border-bottom-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">2023 </th><th class=\"startCol-12 endCol-12 valign-bottom align-right border-bottom-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">Total </th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">At year end </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-8 endCol-8 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-9 endCol-9 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-10 endCol-10 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-11 endCol-11 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-12 endCol-12 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">1st claim year </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1,975 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,027 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,216 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,237 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,348 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,418 </td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,614 </td><td class=\"startCol-9 endCol-9 valign-bottom align-right border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">3,206 </td><td class=\"startCol-10 endCol-10 valign-bottom align-right border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">3,469 </td><td class=\"startCol-11 endCol-11 valign-bottom align-right border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">4,366 </td><td class=\"startCol-12 endCol-12 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">2015 </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-left-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1,953 </td><td class=\"startCol-3 endCol-3 valign-top format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-8 endCol-8 valign-top format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-9 endCol-9 valign-top format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-10 endCol-10 valign-top format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-11 endCol-11 valign-top border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-12 endCol-12 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">2016 </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-left-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1,959 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,017 </td><td class=\"startCol-4 endCol-4 valign-top format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-8 endCol-8 valign-top format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-9 endCol-9 valign-top format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-10 endCol-10 valign-top format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-11 endCol-11 valign-top border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-12 endCol-12 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">2017 </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-left-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1,951 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,051 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,262 </td><td class=\"startCol-5 endCol-5 valign-top format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-8 endCol-8 valign-top format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-9 endCol-9 valign-top format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-10 endCol-10 valign-top format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-11 endCol-11 valign-top border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-12 endCol-12 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">2018 </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-left-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1,945 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,062 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,310 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,312 </td><td class=\"startCol-6 endCol-6 valign-top format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-8 endCol-8 valign-top format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-9 endCol-9 valign-top format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-10 endCol-10 valign-top format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-11 endCol-11 valign-top border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-12 endCol-12 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">2019 </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-left-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1,936 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,052 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,295 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,375 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,367 </td><td class=\"startCol-7 endCol-7 valign-top format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-8 endCol-8 valign-top format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-9 endCol-9 valign-top format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-10 endCol-10 valign-top format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-11 endCol-11 valign-top border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-12 endCol-12 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">2020 </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-left-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1,911 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,047 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,314 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,382 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,445 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,464 </td><td class=\"startCol-8 endCol-8 valign-top format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-9 endCol-9 valign-top format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-10 endCol-10 valign-top format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-11 endCol-11 valign-top border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-12 endCol-12 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">2021 </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-left-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1,893 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,009 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,251 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,338 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,449 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,510 </td><td class=\"startCol-8 endCol-8 valign-bottom align-right format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,621 </td><td class=\"startCol-9 endCol-9 valign-top format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-10 endCol-10 valign-top format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-11 endCol-11 valign-top border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-12 endCol-12 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">2022 </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-left-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1,894 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,033 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,274 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,325 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,483 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,514 </td><td class=\"startCol-8 endCol-8 valign-bottom align-right format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,630 </td><td class=\"startCol-9 endCol-9 valign-bottom align-right format-highlight\" style=\"text-align:right;vertical-align:bottom;\">3,091 </td><td class=\"startCol-10 endCol-10 valign-top format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-11 endCol-11 valign-top border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-12 endCol-12 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">2023 </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1,895 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,031 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,265 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,335 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,499 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,554 </td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,682 </td><td class=\"startCol-9 endCol-9 valign-bottom align-right border-bottom-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">3,168 </td><td class=\"startCol-10 endCol-10 valign-bottom align-right border-bottom-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">3,509 </td><td class=\"startCol-11 endCol-11 valign-top border-bottom-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-12 endCol-12 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Estimates of undiscounted gross cumulative claims 31 December 2023 </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>1,895 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>2,031 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>2,265 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>2,335 </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>2,499 </b></td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>2,554 </b></td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>2,682 </b></td><td class=\"startCol-9 endCol-9 valign-bottom align-right border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>3,168 </b></td><td class=\"startCol-10 endCol-10 valign-bottom align-right border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>3,509 </b></td><td class=\"startCol-11 endCol-11 valign-bottom align-right border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>4,366 </b></td><td class=\"startCol-12 endCol-12 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Cumulative gross paid claims </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1,736 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1,825 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,011 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,015 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,055 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,010 </td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,020 </td><td class=\"startCol-9 endCol-9 valign-bottom align-right border-bottom-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,295 </td><td class=\"startCol-10 endCol-10 valign-bottom align-right border-bottom-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,351 </td><td class=\"startCol-11 endCol-11 valign-bottom align-right border-bottom-1 border-right-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,130 </td><td class=\"startCol-12 endCol-12 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Gross liabilities claims years 2014 to 2023 </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>159 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>205 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>254 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>319 </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>443 </b></td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>545 </b></td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>662 </b></td><td class=\"startCol-9 endCol-9 valign-bottom align-right border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>873 </b></td><td class=\"startCol-10 endCol-10 valign-bottom align-right border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>1,158 </b></td><td class=\"startCol-11 endCol-11 valign-bottom align-right border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>2,236 </b></td><td class=\"startCol-12 endCol-12 valign-bottom align-right border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>6,855 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Gross liabilities claims years before 2014 </td><td class=\"startCol-2 endCol-2 valign-top border-left-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-8 endCol-8 valign-top format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-9 endCol-9 valign-top format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-10 endCol-10 valign-top format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-11 endCol-11 valign-top border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-12 endCol-12 valign-bottom align-right border-left-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">994 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Effect of discounting </td><td class=\"startCol-2 endCol-2 valign-top border-left-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-8 endCol-8 valign-top format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-9 endCol-9 valign-top format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-10 endCol-10 valign-top format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-11 endCol-11 valign-top border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-12 endCol-12 valign-bottom align-right border-left-1 border-right-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-1,289 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Effect of the risk adjustment margin for non-financial risk </td><td class=\"startCol-2 endCol-2 valign-top border-left-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-8 endCol-8 valign-top format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-9 endCol-9 valign-top format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-10 endCol-10 valign-top format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-11 endCol-11 valign-top border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-12 endCol-12 valign-bottom align-right border-left-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">135 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Other </td><td class=\"startCol-2 endCol-2 valign-top border-left-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-8 endCol-8 valign-top format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-9 endCol-9 valign-top format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-10 endCol-10 valign-top format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-11 endCol-11 valign-top border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-12 endCol-12 valign-bottom align-right border-left-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">15 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-8 endCol-8 valign-top border-bottom-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-9 endCol-9 valign-top border-bottom-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-10 endCol-10 valign-top border-bottom-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-11 endCol-11 valign-top border-bottom-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-12 endCol-12 valign-top border-bottom-1 border-left-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Gross liabilities for incurred claims </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-8 endCol-8 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-9 endCol-9 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-10 endCol-10 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-11 endCol-11 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-12 endCol-12 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>6,710 </b></td></tr></tbody></table> <br/>\n<p>Gross claims in the claims development table include the Aegon NL claims as from the acquisition date. </p>\n<h3 class=\"table-title\">Ten-year summary of changes in gross cumulative claims </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:0%;\"/><col style=\"width:6.5%;\"/><col style=\"width:6.5%;\"/><col style=\"width:6.5%;\"/><col style=\"width:6.5%;\"/><col style=\"width:6.5%;\"/><col style=\"width:6.5%;\"/><col style=\"width:6.5%;\"/><col style=\"width:6.5%;\"/><col style=\"width:6.5%;\"/><col style=\"width:6.5%;\"/><col style=\"width:6.5%;\"/></colgroup><thead>\n<tr style=\"border:none;\"><th class=\"startCol-1 endCol-1 valign-top headrow\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-12 valign-bottom align-right border-bottom-1 colspan-11 headrow\" colspan=\"11\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;border-bottom:1px solid;\">Claims year </th></tr>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;\">31 December 2022 </th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">2013 </th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">2014 </th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">2015 </th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">2016 </th><th class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">2017 </th><th class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">2018 </th><th class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">2019 </th><th class=\"startCol-9 endCol-9 valign-bottom align-right border-bottom-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">2020 </th><th class=\"startCol-10 endCol-10 valign-bottom align-right border-bottom-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">2021 </th><th class=\"startCol-11 endCol-11 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">2022 </th><th class=\"startCol-12 endCol-12 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">Total </th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">At year end </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-8 endCol-8 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-9 endCol-9 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-10 endCol-10 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-11 endCol-11 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-12 endCol-12 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">1st claim year </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2,048 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,975 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2,027 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2,216 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2,237 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2,348 </td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2,418 </td><td class=\"startCol-9 endCol-9 valign-bottom align-right border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2,614 </td><td class=\"startCol-10 endCol-10 valign-bottom align-right border-top-1\" style=\"text-align:right;vertical-align:bottom;\">3,206 </td><td class=\"startCol-11 endCol-11 valign-bottom align-right border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">3,469 </td><td class=\"startCol-12 endCol-12 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">2014 </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-left-1\" style=\"text-align:right;vertical-align:bottom;\">2,060 </td><td class=\"startCol-3 endCol-3 valign-top\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-8 endCol-8 valign-top\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-9 endCol-9 valign-top\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-10 endCol-10 valign-top\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-11 endCol-11 valign-top border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-12 endCol-12 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">2015 </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-left-1\" style=\"text-align:right;vertical-align:bottom;\">2,047 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right\" style=\"text-align:right;vertical-align:bottom;\">1,953 </td><td class=\"startCol-4 endCol-4 valign-top\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-8 endCol-8 valign-top\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-9 endCol-9 valign-top\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-10 endCol-10 valign-top\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-11 endCol-11 valign-top border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-12 endCol-12 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">2016 </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-left-1\" style=\"text-align:right;vertical-align:bottom;\">2,045 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right\" style=\"text-align:right;vertical-align:bottom;\">1,959 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right\" style=\"text-align:right;vertical-align:bottom;\">2,017 </td><td class=\"startCol-5 endCol-5 valign-top\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-8 endCol-8 valign-top\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-9 endCol-9 valign-top\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-10 endCol-10 valign-top\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-11 endCol-11 valign-top border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-12 endCol-12 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">2017 </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-left-1\" style=\"text-align:right;vertical-align:bottom;\">2,053 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right\" style=\"text-align:right;vertical-align:bottom;\">1,951 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right\" style=\"text-align:right;vertical-align:bottom;\">2,051 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right\" style=\"text-align:right;vertical-align:bottom;\">2,262 </td><td class=\"startCol-6 endCol-6 valign-top\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-8 endCol-8 valign-top\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-9 endCol-9 valign-top\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-10 endCol-10 valign-top\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-11 endCol-11 valign-top border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-12 endCol-12 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">2018 </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-left-1\" style=\"text-align:right;vertical-align:bottom;\">2,048 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right\" style=\"text-align:right;vertical-align:bottom;\">1,945 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right\" style=\"text-align:right;vertical-align:bottom;\">2,062 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right\" style=\"text-align:right;vertical-align:bottom;\">2,310 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right\" style=\"text-align:right;vertical-align:bottom;\">2,312 </td><td class=\"startCol-7 endCol-7 valign-top\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-8 endCol-8 valign-top\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-9 endCol-9 valign-top\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-10 endCol-10 valign-top\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-11 endCol-11 valign-top border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-12 endCol-12 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">2019 </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-left-1\" style=\"text-align:right;vertical-align:bottom;\">2,035 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right\" style=\"text-align:right;vertical-align:bottom;\">1,936 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right\" style=\"text-align:right;vertical-align:bottom;\">2,052 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right\" style=\"text-align:right;vertical-align:bottom;\">2,295 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right\" style=\"text-align:right;vertical-align:bottom;\">2,375 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right\" style=\"text-align:right;vertical-align:bottom;\">2,367 </td><td class=\"startCol-8 endCol-8 valign-top\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-9 endCol-9 valign-top\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-10 endCol-10 valign-top\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-11 endCol-11 valign-top border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-12 endCol-12 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">2020 </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-left-1\" style=\"text-align:right;vertical-align:bottom;\">2,018 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right\" style=\"text-align:right;vertical-align:bottom;\">1,911 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right\" style=\"text-align:right;vertical-align:bottom;\">2,047 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right\" style=\"text-align:right;vertical-align:bottom;\">2,314 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right\" style=\"text-align:right;vertical-align:bottom;\">2,382 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right\" style=\"text-align:right;vertical-align:bottom;\">2,445 </td><td class=\"startCol-8 endCol-8 valign-bottom align-right\" style=\"text-align:right;vertical-align:bottom;\">2,464 </td><td class=\"startCol-9 endCol-9 valign-top\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-10 endCol-10 valign-top\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-11 endCol-11 valign-top border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-12 endCol-12 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">2021 </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-left-1\" style=\"text-align:right;vertical-align:bottom;\">1,968 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right\" style=\"text-align:right;vertical-align:bottom;\">1,893 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right\" style=\"text-align:right;vertical-align:bottom;\">2,009 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right\" style=\"text-align:right;vertical-align:bottom;\">2,251 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right\" style=\"text-align:right;vertical-align:bottom;\">2,338 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right\" style=\"text-align:right;vertical-align:bottom;\">2,449 </td><td class=\"startCol-8 endCol-8 valign-bottom align-right\" style=\"text-align:right;vertical-align:bottom;\">2,510 </td><td class=\"startCol-9 endCol-9 valign-bottom align-right\" style=\"text-align:right;vertical-align:bottom;\">2,621 </td><td class=\"startCol-10 endCol-10 valign-top\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-11 endCol-11 valign-top border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-12 endCol-12 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">2022 </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1\" style=\"text-align:right;vertical-align:bottom;\">2,025 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1\" style=\"text-align:right;vertical-align:bottom;\">1,894 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1\" style=\"text-align:right;vertical-align:bottom;\">2,033 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1\" style=\"text-align:right;vertical-align:bottom;\">2,274 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1\" style=\"text-align:right;vertical-align:bottom;\">2,325 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1\" style=\"text-align:right;vertical-align:bottom;\">2,483 </td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1\" style=\"text-align:right;vertical-align:bottom;\">2,514 </td><td class=\"startCol-9 endCol-9 valign-bottom align-right border-bottom-1\" style=\"text-align:right;vertical-align:bottom;\">2,630 </td><td class=\"startCol-10 endCol-10 valign-bottom align-right border-bottom-1\" style=\"text-align:right;vertical-align:bottom;\">3,091 </td><td class=\"startCol-11 endCol-11 valign-top border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-12 endCol-12 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Estimates of undiscounted gross cumulative claims 31 December 2022 </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>2,025 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>1,894 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>2,033 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>2,274 </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>2,325 </b></td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>2,483 </b></td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>2,514 </b></td><td class=\"startCol-9 endCol-9 valign-bottom align-right border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>2,630 </b></td><td class=\"startCol-10 endCol-10 valign-bottom align-right border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>3,091 </b></td><td class=\"startCol-11 endCol-11 valign-bottom align-right border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>3,469 </b></td><td class=\"startCol-12 endCol-12 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Cumulative gross paid claims </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1\" style=\"text-align:right;vertical-align:bottom;\">1,824 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1\" style=\"text-align:right;vertical-align:bottom;\">1,712 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1\" style=\"text-align:right;vertical-align:bottom;\">1,787 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1\" style=\"text-align:right;vertical-align:bottom;\">1,971 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1\" style=\"text-align:right;vertical-align:bottom;\">1,966 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1\" style=\"text-align:right;vertical-align:bottom;\">1,986 </td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1\" style=\"text-align:right;vertical-align:bottom;\">1,928 </td><td class=\"startCol-9 endCol-9 valign-bottom align-right border-bottom-1\" style=\"text-align:right;vertical-align:bottom;\">1,920 </td><td class=\"startCol-10 endCol-10 valign-bottom align-right border-bottom-1\" style=\"text-align:right;vertical-align:bottom;\">2,116 </td><td class=\"startCol-11 endCol-11 valign-bottom align-right border-bottom-1 border-right-1\" style=\"text-align:right;vertical-align:bottom;\">1,481 </td><td class=\"startCol-12 endCol-12 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Gross liabilities claims years 2013 to 2022 </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>200 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>183 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>246 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>303 </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>359 </b></td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>497 </b></td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>585 </b></td><td class=\"startCol-9 endCol-9 valign-bottom align-right border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>710 </b></td><td class=\"startCol-10 endCol-10 valign-bottom align-right border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>976 </b></td><td class=\"startCol-11 endCol-11 valign-bottom align-right border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>1,988 </b></td><td class=\"startCol-12 endCol-12 valign-bottom align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>6,047 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Gross liabilities claims years before 2013 </td><td class=\"startCol-2 endCol-2 valign-top border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-8 endCol-8 valign-top\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-9 endCol-9 valign-top\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-10 endCol-10 valign-top\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-11 endCol-11 valign-top border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-12 endCol-12 valign-bottom align-right border-left-1\" style=\"text-align:right;vertical-align:bottom;\">988 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Effect of discounting </td><td class=\"startCol-2 endCol-2 valign-top border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-8 endCol-8 valign-top\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-9 endCol-9 valign-top\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-10 endCol-10 valign-top\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-11 endCol-11 valign-top border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-12 endCol-12 valign-bottom align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:bottom;\">-1,204 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Effect of the risk adjustment margin for non-financial risk </td><td class=\"startCol-2 endCol-2 valign-top border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-8 endCol-8 valign-top\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-9 endCol-9 valign-top\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-10 endCol-10 valign-top\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-11 endCol-11 valign-top border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-12 endCol-12 valign-bottom align-right border-left-1\" style=\"text-align:right;vertical-align:bottom;\">108 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Other </td><td class=\"startCol-2 endCol-2 valign-top border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-8 endCol-8 valign-top\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-9 endCol-9 valign-top\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-10 endCol-10 valign-top\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-11 endCol-11 valign-top border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-12 endCol-12 valign-bottom align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:bottom;\">-12 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-8 endCol-8 valign-top border-bottom-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-9 endCol-9 valign-top border-bottom-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-10 endCol-10 valign-top border-bottom-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-11 endCol-11 valign-top border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-12 endCol-12 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Gross liabilities for incurred claims </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-8 endCol-8 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-9 endCol-9 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-10 endCol-10 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-11 endCol-11 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-12 endCol-12 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>5,927 </b></td></tr></tbody></table> <br/>\n<h1 class=\"S_PARAGRAPH\" id=\"n1288943\"><span class=\"number\">7.5.14 </span><span class=\"title-text\">Liabilities arising from direct participating insurance contracts </span></h1>\n<p>See accounting policies <a href=\"#n1286397\" title=\"F1. Insurance contracts\">F</a>. </p>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n1288966\"><span class=\"number\">7.5.14.1 </span><span class=\"title-text\">Life \u2013 direct participating insurance contracts </span></h1>\n<h3 class=\"table-title\">Changes in liabilities arising from direct participating insurance contracts by remaining coverage and incurred claims current year </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:auto;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/></colgroup><thead>\n<tr style=\"border:none;\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 headrow\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-3 valign-bottom align-right border-bottom-1 colspan-2 headrow\" colspan=\"2\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;border-bottom:1px solid;\"><b>Liabilities for remaining coverage </b></th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 headrow\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;border-bottom:1px solid;\"><b>Liabilities for incurred claims </b></th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 headrow\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;border-bottom:1px solid;\"><b>Total </b></th></tr>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Excluding loss component </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Loss component </b></th><th class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>At 1 January 2023 </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>10,270 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>101 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>104 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>10,475 </b></td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Changes in the income statement </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Insurance contract revenue of which: </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-603 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-603 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Contracts recognised from transition date and retrospective approach </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-498 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-498 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Contracts under the fair value approach </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-106 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-106 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Insurance service expenses </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">New incurred claims and benefits </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-5 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">402 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">397 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Losses and reversals of losses on onerous contracts </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-16 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-16 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Claims and benefits </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-20 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>402 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>382 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Other insurance service operating expenses </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">124 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">124 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Amortisation of insurance acquisition cash flows </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">4 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">4 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Insurance service operating expenses </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>4 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>124 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>128 </b></td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total insurance service expenses </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>4 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-20 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>526 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>509 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Investment components </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-838 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">838 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Insurance service result </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-1,437 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-20 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>1,364 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-94 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Net finance expenses (income) from insurance contracts </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,542 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-6 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,536 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total changes in the income statement </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>1,105 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-26 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>1,364 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>2,442 </b></td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Cashflows </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Premiums received </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1,283 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1,283 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Insurance service expenses paid, including investment components </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-1 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-1,367 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-1,368 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Insurance acquisition cash flows </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-4 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-4 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total cash flows </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>1,278 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-1,367 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-89 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Changes in the composition of the group </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">23,226 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">23,226 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Other </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">39 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">39 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Net closing balance at 31 December </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>35,918 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>75 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>100 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>36,093 </b></td></tr></tbody></table> <br/>\n<h3 class=\"table-title\">Changes in liabilities arising from direct participating insurance contracts by remaining coverage and incurred claims prior year </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:auto;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/></colgroup><thead>\n<tr style=\"border:none;\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 headrow\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-3 valign-bottom align-right border-bottom-1 colspan-2 headrow\" colspan=\"2\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;border-bottom:1px solid;\"><b>Liabilities for remaining coverage </b></th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 headrow\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;border-bottom:1px solid;\"><b>Liabilities for incurred claims </b></th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 headrow\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;border-bottom:1px solid;\"><b>Total </b></th></tr>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Excluding loss component </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Loss component </b></th><th class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>At 1 January 2022 </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>11,926 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>142 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>119 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>12,187 </b></td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Changes in the income statement </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Insurance contract revenue of which: </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-55 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-55 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Contracts recognised from transition date and retrospective approach </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">29 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">29 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Contracts under the fair value approach </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-85 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-85 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Insurance service expenses </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">New incurred claims and benefits </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-39 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-39 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Losses and reversals of losses on onerous contracts </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">76 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">76 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Claims and benefits </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>37 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>37 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Other insurance service operating expenses </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">9 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">76 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">84 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Amortisation of insurance acquisition cash flows </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">4 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">4 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Insurance service operating expenses </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>13 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>76 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>88 </b></td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total insurance service expenses </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>13 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>37 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>76 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>126 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Investment components </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-691 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">691 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Insurance service result </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-734 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>37 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>767 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>70 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Net finance expenses (income) from insurance contracts </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-2,039 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-78 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-2,117 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total changes in the income statement </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-2,773 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-40 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>767 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-2,046 </b></td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Cashflows </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Premiums received </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,093 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,093 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Insurance service expenses paid, including investment components </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-782 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-782 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Insurance acquisition cash flows </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-4 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-4 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total cash flows </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>1,090 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-782 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>307 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Other </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">28 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">28 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Net closing balance at 31 December </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>10,270 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>101 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>104 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>10,475 </b></td></tr></tbody></table> <br/>\n<h3 class=\"table-title\">Changes in liabilities arising from direct participating insurance contracts by measurement component current year </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:auto;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/></colgroup><thead>\n<tr style=\"border:none;\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 headrow\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 headrow\" scope=\"col\" style=\"text-align:right;vertical-align:middle;border-bottom:1px solid;\"><b>Estimates of the present value of the future cash flows </b></th><th class=\"startCol-3 endCol-3 valign-middle align-right border-bottom-1 headrow\" scope=\"col\" style=\"text-align:right;vertical-align:middle;border-bottom:1px solid;\"><b>Risk adjustment for non-financial risk </b></th><th class=\"startCol-4 endCol-6 valign-middle align-center border-bottom-1 colspan-3 headrow\" colspan=\"3\" scope=\"col\" style=\"text-align:center;vertical-align:middle;border-bottom:1px solid;\"><b>Contractual service margin </b></th><th class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 headrow\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;border-bottom:1px solid;\"><b>Total </b></th></tr>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Total </b></th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Of which, Contracts recognised from transition date and retrospective approach </b></th><th class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Of which, contracts under fair value approach </b></th><th class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>At 1 January 2023 </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>10,244 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>69 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>162 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>162 </b></td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>10,475 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Changes in the income statement </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-left-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\"><b><i>Changes that relate to future services </i></b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-left-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">- Changes in estimates that adjust the CSM </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-24 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">30 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-6 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-32 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">27 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">- Changes in estimates that do not adjust the CSM, ie losses on groups of onerous contracts and reversals of such losses </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-22 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-11 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-33 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">- Effects of contracts initially recognised in the period </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">13 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">4 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">18 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\"><b><i>Changes that relate to current services </i></b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-left-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">- CSM recognised in the income statement for services provided </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-65 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-32 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-33 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-65 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">- Release of the risk adjustment for non-financial risk </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-17 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-17 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">- Experience adjustments </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">4 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">4 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Insurance service result </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-29 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>6 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-71 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-64 </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-7 </b></td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-94 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Net finance expenses (income) from insurance contracts </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,498 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">36 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-1 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">37 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,536 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total changes in the income statement </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>2,469 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>7 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-35 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-65 </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>30 </b></td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>2,442 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Cash flows </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-left-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Premiums received </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1,283 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1,283 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Insurance service expenses paid, including investment components </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-1,368 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-1,368 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Insurance acquisition cash flows </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-4 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-4 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total cash flows </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-89 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-89 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Changes in the composition of the group </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">21,624 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">465 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1,137 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1,137 </td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">23,226 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Other </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">39 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">39 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>At 31 December </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>34,288 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>541 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>1,264 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>1,072 </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>193 </b></td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>36,093 </b></td></tr></tbody></table> <br/>\n<div class=\"tanPageBreak newPage\"> </div>\n<h3 class=\"table-title\">Changes in liabilities arising from direct participating insurance contracts by measurement component prior year </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:auto;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/></colgroup><thead>\n<tr style=\"border:none;\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 headrow\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 headrow\" scope=\"col\" style=\"text-align:right;vertical-align:middle;border-bottom:1px solid;\"><b>Estimates of the present value of the future cash flows </b></th><th class=\"startCol-3 endCol-3 valign-middle align-right border-bottom-1 headrow\" scope=\"col\" style=\"text-align:right;vertical-align:middle;border-bottom:1px solid;\"><b>Risk adjustment for non-financial risk </b></th><th class=\"startCol-4 endCol-5 valign-middle align-center border-bottom-1 colspan-2 headrow\" colspan=\"2\" scope=\"col\" style=\"text-align:center;vertical-align:middle;border-bottom:1px solid;\"><b>Contractual service margin </b></th><th class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 headrow\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;border-bottom:1px solid;\"><b>Total </b></th></tr>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Total </b></th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Of which, contracts under fair value approach </b></th><th class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>At 1 January 2022 </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>11,903 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>110 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>173 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>173 </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>12,187 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Changes in the income statement </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\"><b><i>Changes that relate to future services </i></b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">- Changes in estimates that adjust the CSM </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">46 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-3 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-42 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-42 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">- Changes in estimates that do not adjust the CSM, ie losses on groups of onerous contracts and reversals of such losses </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">60 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-12 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">48 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">- Effects of contracts initially recognised in the period </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">26 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">28 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\"><b><i>Changes that relate to current services </i></b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">- CSM recognised in the income statement for services provided </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-21 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-21 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-21 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">- Release of the risk adjustment for non-financial risk </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-12 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-12 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">- Experience adjustments </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">27 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">27 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Insurance service result </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>159 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-25 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-64 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-64 </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>70 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Net finance expenses (income) from insurance contracts </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-2,154 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-17 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">54 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">54 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-2,117 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total changes in the income statement </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-1,995 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-42 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-10 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-10 </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-2,046 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Cash flows </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Premiums received </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,093 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,093 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Insurance service expenses paid, including investment components </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-782 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-782 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Insurance acquisition cash flows </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-4 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-4 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total cash flows </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>307 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>307 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Other </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">28 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">28 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>At 31 December </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>10,244 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>69 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>162 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>162 </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>10,475 </b></td></tr></tbody></table> <br/>\n<p>At year-end 2023, the liabilities included a guarantee provision for a carrying amount of \u20ac\u00a063 million (2022: \u20ac\u00a084 million) and a provision related to unit-linked insurance contracts and pension contracts for a carrying amount of \u20ac\u00a040 million (2022: \u20ac\u00a042 million). These provisions relate to compensation for the costs of these contracts. </p>\n<p>An amount of \u20ac\u00a0229 million ( 2022: \u20ac\u00a0119 million) of the liabilities arising from direct participating insurance contracts is related to the a.s.r. DC pension plans. </p>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n1288988\"><span class=\"number\">7.5.14.2 </span><span class=\"title-text\">Contracts issued and acquired in the period </span></h1>\n<p>The following tables summarise the effect on the measurement components of insurance contracts arising from the initial recognition of contracts that were initially recognised in the year. </p>\n<h3 class=\"table-title\">Contracts issued and acquired: Liabilities arising from direct participating insurance contracts </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:auto;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;\">2023 </th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Profitable contracts issued </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Onerous contracts issued </b></th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Contracts acquired </b></th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Total </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Insurance service expenses payable </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">64 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">21,624 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">21,689 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Insurance acquisition cash flows </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">5 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">5 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Estimates of the present value of future cash outflows </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>69 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>21,624 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>21,693 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Estimates of the present value of future cash inflows </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-1 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-55 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-23,226 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-23,282 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Risk adjustment for non-financial risk </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">4 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">465 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">469 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">CSM </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1,137 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1,137 </td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Losses recognised on initial recognition </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>18 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>18 </b></td></tr></tbody></table> <br/>\n<h3 class=\"table-title\">Contracts issued and acquired: Liabilities arising from direct participating insurance contracts </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:auto;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;\">2022 </th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Profitable contracts issued </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Onerous contracts issued </b></th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Contracts acquired </b></th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Total </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Insurance service expenses payable </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">98 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">98 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Insurance acquisition cash flows </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">4 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">4 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Estimates of the present value of future cash outflows </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">102 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">102 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Estimates of the present value of future cash inflows </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-75 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-75 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Risk adjustment for non-financial risk </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">CSM </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Losses recognised on initial recognition </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>28 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>28 </b></td></tr></tbody></table> <br/>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n1289010\"><span class=\"number\">7.5.14.3 </span><span class=\"title-text\">Expected release of the CSM </span></h1>\n<p>The following table illustrates when a.s.r. expects to recognise the remaining CSM as revenue. </p>\n<h3 class=\"table-title\">Expected release of the CSM </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:30%;\"/><col style=\"width:9%;\"/><col style=\"width:9%;\"/><col style=\"width:9%;\"/><col style=\"width:9%;\"/><col style=\"width:9%;\"/><col style=\"width:9%;\"/><col style=\"width:9%;\"/><col style=\"width:7%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>&lt; 1 year </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>1-2 years </b></th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>2-3 years </b></th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>3-4 years </b></th><th class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>4-5 years </b></th><th class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>5-10 years </b></th><th class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>&gt; 10 years </b></th><th class=\"startCol-9 endCol-9 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Total </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>2023 </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>97 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>90 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>85 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>79 </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>73 </b></td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>278 </b></td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>562 </b></td><td class=\"startCol-9 endCol-9 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>1,264 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">2022 </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">19 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">19 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">19 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">19 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">19 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">68 </td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-9 endCol-9 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">162 </td></tr></tbody></table> <br/>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n1289032\"><span class=\"number\">7.5.14.4 </span><span class=\"title-text\">Pre-recognition cash flows </span></h1>\n<p>Pre-recognition cash flows amounting \u20ac\u00a011 million (\u20ac\u00a02022: \u20ac\u00a012 million) mainly concern acquisition cash flows relating to insurance contracts, specifically Werknemers Pensioen, not yet recognised. </p>\n<h1 class=\"S_PARAGRAPH\" id=\"n1285927\"><span class=\"number\">7.6.2 </span><span class=\"title-text\">Insurance service expenses </span></h1>\n<p>See <a href=\"#n1286826\" title=\"V2. Insurance service expenses\">accounting policy V2</a>. </p>\n<p>Total insurance service expenses increased by \u20ac\u00a02,041 million to \u20ac\u00a07,628 million comprising claims and benefits (\u20ac\u00a01,864 million increase) and insurance service operating expenses (\u20ac\u00a0177 million increase). This increase is mainly driven by the acquired activities of Aegon NL. The claims and benefits additionally increased mainly due to growth in the number of insured persons in the Health business. </p>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfClaimsAndBenefitsPaidExplanatory",
    "language": "en",
    "entity": "scheme:7245000G0HS48PZWUD53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "ixv-698": {
   "value": "\n<h1 class=\"S_PARAGRAPH\" id=\"n1288783\"><span class=\"number\">7.5.13 </span><span class=\"title-text\">Insurance contract liabilities and reinsurance contract assets </span></h1>\n<p>See accounting policies <a href=\"#n1286397\" title=\"F1. Insurance contracts\">F</a>. </p>\n<h3 class=\"table-title\">Insurance and reinsurance contracts </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:37.7%;\"/><col style=\"width:15.8%;\"/><col style=\"width:15.7%;\"/><col style=\"width:15.8%;\"/><col style=\"width:15%;\"/></colgroup><thead>\n<tr style=\"border:none;\"><th class=\"startCol-1 endCol-1 valign-top headrow\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-top headrow\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-3 endCol-3 valign-bottom align-right headrow\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;border-bottom:1px solid;\"><b>Assets </b></th><th class=\"startCol-4 endCol-4 valign-top headrow\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-5 endCol-5 valign-bottom align-right headrow\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;border-bottom:1px solid;\"><b>Liabilities </b></th></tr>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>31 December 2023 </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>31 December 2022 </b></th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>31 December 2023 </b></th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>31 December 2022 </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Non-life - GMM </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">5,401 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">3,963 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Non-life - PAA </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1,803 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,751 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Non-life insurance contracts </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>7,205 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>5,713 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Life - GMM </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">56,063 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">25,900 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Life insurance contracts </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>56,063 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>25,900 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Pre-recognition cash flows </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>34 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1\" style=\"text-align:right;vertical-align:bottom;\"><b>27 </b></td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total insurance contracts </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>63,302 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>31,640 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Non-life - GMM </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">209 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">190 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Non-life - PAA </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">75 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">58 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Life - GMM </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">211 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">129 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Life - PAA </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">6 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">4 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total reinsurance contracts </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>501 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>381 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td></tr></tbody></table> <br/>\n<p>Pre-recognition cash flows consists of prepaid premiums for insurance contracts not yet recognised. </p>\n<p>The tables in the following paragraphs show the movements in insurance contract balances for the different measurement models. </p>\n<div class=\"tanPageBreak newPage\"> </div>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n1288806\"><span class=\"number\">7.5.13.1 </span><span class=\"title-text\">Non-life - GMM and PAA </span></h1>\n<div class=\"header header-1\">Non-life - GMM </div>\n<h3 class=\"table-title\">Changes in insurance contracts by remaining coverage and incurred claims current year </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:auto;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/></colgroup><thead>\n<tr style=\"border:none;\"><th class=\"startCol-1 endCol-1 valign-top headrow\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-3 valign-bottom align-right border-bottom-1 colspan-2 headrow\" colspan=\"2\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;border-bottom:1px solid;\"><b>Liabilities for remaining coverage </b></th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 headrow\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;border-bottom:1px solid;\"><b>Liabilities for incurred claims </b></th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 headrow\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;border-bottom:1px solid;\"><b>Total </b></th></tr>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Excluding loss component </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Loss component </b></th><th class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Assets </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Liabilities </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-248 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">20 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">4,191 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">3,963 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>At 1 January 2023 </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-248 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>20 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>4,191 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>3,963 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Changes in the income statement </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Insurance contract revenue of which: </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-1,686 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-1,686 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Contracts recognised from transition date and retrospective approach </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-839 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-839 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">Contracts under the modified retrospective approach </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-306 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-306 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Contracts under the fair value approach </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-541 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-541 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Insurance service expenses </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">New incurred claims and benefits </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-13 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1,392 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1,379 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Changes related to past services </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-9 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-9 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Losses and reversals of losses on onerous contracts </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">19 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>19 </b></td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Claims and benefits </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>6 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>1,383 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>1,389 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Other insurance service operating expenses </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">264 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">264 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Amortisation of insurance acquisition cash flows </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">24 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">24 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Insurance service operating expenses </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>24 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>264 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>288 </b></td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total insurance service expenses </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>24 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>6 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>1,648 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>1,677 </b></td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Insurance service result </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-1,662 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>6 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>1,648 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-9 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">Net finance expenses (income) from insurance contracts </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">22 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">173 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">196 </td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total changes in the income statement </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-1,640 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>6 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>1,821 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>187 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Cash flows </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Premiums received </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1,658 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1,658 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Insurance service expenses paid, including investment components </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-1,346 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-1,346 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Insurance acquisition cash flows </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-32 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-32 </td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total cash flows </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>1,626 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-1,346 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>280 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Changes in the composition of the group </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">972 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">972 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>At 31 December 2023 </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>710 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>26 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>4,666 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>5,401 </b></td></tr></tbody></table> <br/>\n<p>Changes in the composition of the group relates to the liabilities acquired through the acquisition of Aegon NL, see <a href=\"#n1287134\" title=\"Acquisitions\">chapter 7.4.5</a>. </p>\n<div class=\"tanPageBreak newPage\"> </div>\n<h3 class=\"table-title\">Changes in insurance contracts by remaining coverage and incurred claims prior year </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:auto;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/></colgroup><thead>\n<tr style=\"border:none;\"><th class=\"startCol-1 endCol-1 valign-top headrow\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-3 valign-bottom align-right border-bottom-1 colspan-2 headrow\" colspan=\"2\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;border-bottom:1px solid;\"><b>Liabilities for remaining coverage </b></th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 headrow\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;border-bottom:1px solid;\"><b>Liabilities for incurred claims </b></th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 headrow\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;border-bottom:1px solid;\"><b>Total </b></th></tr>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Excluding loss component </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Loss component </b></th><th class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>At 1 January 2022 </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>95 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>84 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>4,544 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>4,723 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Changes in the income statement </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Insurance contract revenue of which: </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-1,451 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-1,451 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Contracts recognised from transition date and retrospective approach </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-207 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-207 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">Contracts under the modified retrospective approach </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-252 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-252 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Contracts under the fair value approach </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-992 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-992 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Insurance service expenses </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">New incurred claims and benefits </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-80 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,093 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,013 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Changes related to past services </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">269 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">269 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Losses and reversals of losses on onerous contracts </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1\" style=\"text-align:right;vertical-align:bottom;\">15 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">15 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Claims and benefits </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-65 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,362 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,297 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Other insurance service operating expenses </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">232 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">232 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Amortisation of insurance acquisition cash flows </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">9 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">9 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Insurance service operating expenses </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>9 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>232 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>241 </b></td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total insurance service expenses </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>9 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-65 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>1,594 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>1,539 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Insurance service result </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-1,441 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-65 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>1,594 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>88 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Net finance expenses (income) from insurance contracts </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-323 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-830 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-1,152 </td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total changes in the income statement </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-1,764 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-65 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>764 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-1,064 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Cash flows </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Premiums received </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,443 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,443 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Insurance service expenses paid, including investment components </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-1,117 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-1,117 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Insurance acquisition cash flows </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-21 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-21 </td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total cash flows </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>1,422 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-1,117 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>305 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>At 31 December 2022 </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-248 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>20 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>4,191 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>3,963 </b></td></tr></tbody></table> <br/>\n<div class=\"tanPageBreak newPage\"> </div>\n<h3 class=\"table-title\">Changes in insurance contracts by measurement component current year </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:auto;\"/><col style=\"width:10%;\"/><col style=\"width:10%;\"/><col style=\"width:10%;\"/><col style=\"width:10%;\"/><col style=\"width:10%;\"/><col style=\"width:10%;\"/><col style=\"width:10%;\"/></colgroup><thead>\n<tr style=\"border:none;\"><th class=\"startCol-1 endCol-1 valign-top headrow\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 headrow\" scope=\"col\" style=\"text-align:right;vertical-align:middle;border-bottom:1px solid;\"><b>Estimates of the present value of the future cash flows </b></th><th class=\"startCol-3 endCol-3 valign-middle align-right border-bottom-1 headrow\" scope=\"col\" style=\"text-align:right;vertical-align:middle;border-bottom:1px solid;\"><b>Risk adjustment for non-financial risk </b></th><th class=\"startCol-4 endCol-4 valign-middle align-right border-bottom-1 headrow\" scope=\"col\" style=\"text-align:right;vertical-align:middle;border-bottom:1px solid;\"><b>CSM </b></th><th class=\"startCol-5 endCol-5 valign-top border-bottom-1 headrow\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-6 endCol-6 valign-top border-bottom-1 headrow\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-7 endCol-7 valign-top border-bottom-1 headrow\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 headrow\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;border-bottom:1px solid;\"><b>Total </b></th></tr>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Total </b></th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Of which, contracts recognised from transition date and retrospective approach </b></th><th class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Of which, contracts under modified approach </b></th><th class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Of which contracts under fair value approach </b></th><th class=\"startCol-8 endCol-8 valign-top border-bottom-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>At 1 January 2023 </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>3,737 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>158 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>69 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>3 </b></td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>66 </b></td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>3,963 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-8 endCol-8 valign-top border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Changes in the income statement </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-8 endCol-8 valign-top border-bottom-1 border-left-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-8 endCol-8 valign-top border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\"><b><i>Changes that relate to future services: </i></b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-8 endCol-8 valign-top border-bottom-1 border-left-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">- Changes in estimates that adjust the CSM </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-65 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">24 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">41 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">13 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">28 </td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">- Changes in estimates that result in losses or the reversal of losses on onerous contracts </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">25 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-6 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">19 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">- Effects of contracts initially recognised in the period </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-117 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">21 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">96 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">96 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-8 endCol-8 valign-top border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\"><b><i>Changes that relate to current services: </i></b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-8 endCol-8 valign-top border-bottom-1 border-left-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">- CSM recognised in profit or loss for services provided </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-70 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-57 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-13 </td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-70 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">- Release of the risk adjustment for non-financial risk </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-33 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-33 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">- Experience adjustments </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">63 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">21 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">84 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-8 endCol-8 valign-top border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\"><b><i>Changes related to past service </i></b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">3 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-11 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-right-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-left-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-9 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-8 endCol-8 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Insurance service result </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-90 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>15 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>67 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>52 </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>15 </b></td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-9 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-8 endCol-8 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Net finance expenses (income) from insurance contracts </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">187 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">4 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">5 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">5 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">196 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-8 endCol-8 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total changes in the income statement </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>96 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>19 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>71 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>56 </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>15 </b></td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>187 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-8 endCol-8 valign-top border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Cash flows </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-8 endCol-8 valign-top border-bottom-1 border-left-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Premiums received </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1,658 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1,658 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Insurance service expenses paid </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-1,346 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-1,346 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Insurance acquisition cash flows </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-32 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-32 </td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total cash flows </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>280 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>280 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-8 endCol-8 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Changes in the composition of the group </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">829 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">47 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">96 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">96 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">972 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-8 endCol-8 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>At 31 December 2023 </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>4,942 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>223 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>236 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>155 </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>81 </b></td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>5,401 </b></td></tr></tbody></table> <br/>\n<div class=\"tanPageBreak newPage\"> </div>\n<h3 class=\"table-title\">Changes in insurance contracts by measurement component prior year </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:auto;\"/><col style=\"width:10%;\"/><col style=\"width:10%;\"/><col style=\"width:10%;\"/><col style=\"width:10%;\"/><col style=\"width:10%;\"/><col style=\"width:10%;\"/><col style=\"width:10%;\"/></colgroup><thead>\n<tr style=\"border:none;\"><th class=\"startCol-1 endCol-1 valign-top headrow\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 headrow\" scope=\"col\" style=\"text-align:right;vertical-align:middle;border-bottom:1px solid;\"><b>Estimates of the present value of the future cash flows </b></th><th class=\"startCol-3 endCol-3 valign-middle align-right border-bottom-1 headrow\" scope=\"col\" style=\"text-align:right;vertical-align:middle;border-bottom:1px solid;\"><b>Risk adjustment for non-financial risk </b></th><th class=\"startCol-4 endCol-4 valign-middle align-right border-bottom-1 headrow\" scope=\"col\" style=\"text-align:right;vertical-align:middle;border-bottom:1px solid;\"><b>CSM </b></th><th class=\"startCol-5 endCol-5 valign-top border-bottom-1 headrow\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-6 endCol-6 valign-top border-bottom-1 headrow\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-7 endCol-7 valign-top border-bottom-1 headrow\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 headrow\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;border-bottom:1px solid;\"><b>Total </b></th></tr>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Total </b></th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Of which, contracts recognised from transition date and retrospective approach </b></th><th class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Of which, contracts under modified approach </b></th><th class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Of which contracts under fair value approach </b></th><th class=\"startCol-8 endCol-8 valign-top border-bottom-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>At 1 January 2022 </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>4,415 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>218 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>90 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>90 </b></td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>4,723 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-8 endCol-8 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Changes in the income statement </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-8 endCol-8 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-8 endCol-8 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\"><b><i>Changes that relate to future services: </i></b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-8 endCol-8 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">- Changes in estimates that adjust the CSM </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-4 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">7 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-3 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">9 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-12 </td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">- Changes in estimates that result in losses or the reversal of losses on onerous contracts </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">37 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-29 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">7 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">- Effects of contracts initially recognised in the period </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-43 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">44 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">7 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">7 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">8 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-8 endCol-8 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\"><b><i>Changes that relate to current services: </i></b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-8 endCol-8 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">- CSM recognised in profit or loss for services provided </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-24 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-12 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-12 </td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-24 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">- Release of the risk adjustment for non-financial risk </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-27 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-27 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">- Experience adjustments </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-161 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">16 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-145 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-8 endCol-8 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\"><b><i>Changes related to past service </i></b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1\" style=\"text-align:right;vertical-align:bottom;\">263 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1\" style=\"text-align:right;vertical-align:bottom;\">6 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-left-1\" style=\"text-align:right;vertical-align:bottom;\">269 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-8 endCol-8 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Insurance service result </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>91 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>18 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-21 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>4 </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-24 </b></td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>88 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-8 endCol-8 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Net finance expenses (income) from insurance contracts </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-1,074 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-78 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-1,152 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-8 endCol-8 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total changes in the income statement </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-983 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-61 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-21 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>4 </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-24 </b></td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-1,064 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-8 endCol-8 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Cash flows </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-8 endCol-8 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Premiums received </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,443 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,443 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Insurance service expenses paid </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-1,117 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-1,117 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Insurance acquisition cash flows </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-21 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-21 </td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total cash flows </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>305 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>305 </b></td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-8 endCol-8 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>At 31 December 2022 </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>3,737 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>158 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>69 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>3 </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>66 </b></td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>3,963 </b></td></tr></tbody></table> <br/>\n<h3 class=\"table-title\">Changes in reinsurance contracts by remaining coverage and incurred claims current year </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:auto;\"/><col style=\"width:20%;\"/><col style=\"width:20%;\"/><col style=\"width:20%;\"/></colgroup><thead>\n<tr style=\"border:none;\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-top-1 headrow\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-middle align-center border-bottom-1 border-top-1 headrow\" scope=\"col\" style=\"text-align:center;vertical-align:middle;border-bottom:1px solid;\"><b>Assets for remaining coverage </b></th><th class=\"startCol-3 endCol-3 valign-middle align-center border-bottom-1 border-top-1 headrow\" scope=\"col\" style=\"text-align:center;vertical-align:middle;border-bottom:1px solid;\"><b>Assets for incurred claims </b></th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 headrow\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;border-bottom:1px solid;\"><b>Total </b></th></tr>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;\"><b>2023 </b></th><th class=\"startCol-2 endCol-2 valign-bottom align-left border-bottom-1 border-left-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;\"><b>Excluding loss recovery component </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-left border-bottom-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;\">\u00a0</th><th class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>At 1 January </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-1 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>191 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>190 </b></td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Changes in the income statement: </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Allocation of reinsurance premiums paid </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-17 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-17 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">Amounts recoverable from reinsurers </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">15 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">15 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Changes in amounts recoverable arising from changes in assets for incurred claims </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-9 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-9 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Net expenses from reinsurance contracts </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-17 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>7 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-10 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Net finance income from reinsurance contracts </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">6 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">8 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total changes in the income statement </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-15 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>13 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-2 </b></td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Cash flows: </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">Premiums paid </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">14 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">14 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Insurance service expenses recovered from reinsurance contracts </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-77 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-77 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total cash flows </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>14 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-77 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-64 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">Changes in the composition of the group </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">85 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">85 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>At 31 December </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>82 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>127 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>209 </b></td></tr></tbody></table> <br/>\n<h3 class=\"table-title\">Changes in reinsurance contracts by remaining coverage and incurred claims prior year </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:auto;\"/><col style=\"width:20%;\"/><col style=\"width:20%;\"/><col style=\"width:20%;\"/></colgroup><thead>\n<tr style=\"border:none;\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-top-1 headrow\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-middle align-center border-bottom-1 border-top-1 headrow\" scope=\"col\" style=\"text-align:center;vertical-align:middle;border-bottom:1px solid;\"><b>Assets for remaining coverage </b></th><th class=\"startCol-3 endCol-3 valign-middle align-center border-bottom-1 border-top-1 headrow\" scope=\"col\" style=\"text-align:center;vertical-align:middle;border-bottom:1px solid;\"><b>Assets for incurred claims </b></th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 headrow\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;border-bottom:1px solid;\"><b>Total </b></th></tr>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;\"><b>2022 </b></th><th class=\"startCol-2 endCol-2 valign-bottom align-left border-bottom-1 border-left-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;\"><b>Excluding loss recovery component </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-left border-bottom-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;\">\u00a0</th><th class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>At 1 January </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-2 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>299 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>297 </b></td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Changes in the income statement: </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Allocation of reinsurance premiums paid </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-21 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-21 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">Amounts recoverable from reinsurers </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">3 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">3 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Changes in amounts recoverable arising from changes in assets for incurred claims </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">16 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">16 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Net expenses from reinsurance contracts </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-21 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>20 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-2 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Net finance income from reinsurance contracts </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-22 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-21 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total changes in the income statement </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-20 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-2 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-23 </b></td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Cash flows: </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">Premiums paid </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">21 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">21 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Insurance service expenses recovered from reinsurance contracts </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-105 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-105 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total cash flows </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>21 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-105 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-84 </b></td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>At 31 December </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-1 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>191 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>190 </b></td></tr></tbody></table> <br/>\n<div class=\"tanPageBreak newPage\"> </div>\n<h3 class=\"table-title\">Changes in reinsurance contracts by measurement component current year </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:auto;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/></colgroup><thead>\n<tr style=\"border:none;\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-top-1 headrow\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-middle align-center border-bottom-1 border-top-1 headrow\" scope=\"col\" style=\"text-align:center;vertical-align:middle;border-bottom:1px solid;\"><b>Estimates of the present value of the future cash flows </b></th><th class=\"startCol-3 endCol-3 valign-middle align-center border-bottom-1 border-top-1 headrow\" scope=\"col\" style=\"text-align:center;vertical-align:middle;border-bottom:1px solid;\"><b>Risk adjustment for non-financial risk </b></th><th class=\"startCol-4 endCol-6 valign-middle align-left border-bottom-1 border-top-1 colspan-3 headrow\" colspan=\"3\" scope=\"col\" style=\"text-align:left;vertical-align:middle;border-bottom:1px solid;\"><b>CSM </b></th><th class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-top-1 headrow\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;border-bottom:1px solid;\"><b>Total </b></th></tr>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;\"><b>2023 </b></th><th class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Total </b></th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Of which, contracts recognised from transition date and retrospective approach </b></th><th class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Of which, contracts under fair value approach </b></th><th class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-left-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>At 1 January </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>190 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>1 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>190 </b></td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Changes in the income statement: </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-left-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b><i>Changes that relate to future services </i></b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-left-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">- Changes in estimates that adjust the CSM </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-1 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-1 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-1 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">- Effects of contracts initially recognised in the period </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-1 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-1 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b><i>Changes that relate to current services: </i></b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">- CSM recognised in the income statement for services received </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-1 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">- Release of the risk adjustment for non-financial risk </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-2 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-2 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">- Experience adjustments </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b><i>Changes relate to past service </i></b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-8 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-1 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-9 </b></td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Net expenses from reinsurance contracts </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-7 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-2 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-2 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-1 </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-1 </b></td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-10 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Net finance income from reinsurance contracts </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">8 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">8 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total changes in the income statement </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>1 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-1 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-1 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-1 </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-1 </b></td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-2 </b></td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Cash flows: </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-left-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Premiums paid </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">14 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">14 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Insurance service expenses recovered from reinsurance contracts </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-77 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-77 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total cash flows </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-64 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-64 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Changes in the composition of the group </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">62 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">7 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">16 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">16 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">85 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>At 31 December </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>189 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>7 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>14 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>14 </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>209 </b></td></tr></tbody></table> <br/>\n<div class=\"tanPageBreak newPage\"> </div>\n<h3 class=\"table-title\">Changes in reinsurance contracts by measurement component prior year </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:auto;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/></colgroup><thead>\n<tr style=\"border:none;\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-top-1 headrow\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-middle align-center border-bottom-1 border-top-1 headrow\" scope=\"col\" style=\"text-align:center;vertical-align:middle;border-bottom:1px solid;\"><b>Estimates of the present value of the future cash flows </b></th><th class=\"startCol-3 endCol-3 valign-middle align-center border-bottom-1 border-top-1 headrow\" scope=\"col\" style=\"text-align:center;vertical-align:middle;border-bottom:1px solid;\"><b>Risk adjustment for non-financial risk </b></th><th class=\"startCol-4 endCol-6 valign-middle align-left border-bottom-1 border-top-1 colspan-3 headrow\" colspan=\"3\" scope=\"col\" style=\"text-align:left;vertical-align:middle;border-bottom:1px solid;\"><b>CSM </b></th><th class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-top-1 headrow\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;border-bottom:1px solid;\"><b>Total </b></th></tr>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-left-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;\"><b>2022 </b></th><th class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Total </b></th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Of which, contracts recognised from transition date and retrospective approach </b></th><th class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Of which, contracts under fair value approach </b></th><th class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-left-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>At 1 January </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>297 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>297 </b></td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Changes in the income statement: </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b><i>Changes that relate to future services </i></b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">- Changes in estimates that adjust the CSM </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-2 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">- Effects of contracts initially recognised in the period </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">7 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-7 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-7 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b><i>Changes that relate to current services: </i></b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">- CSM recognised in the income statement for services received </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">4 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">5 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-1 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">4 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">- Release of the risk adjustment for non-financial risk </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-5 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-5 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">- Experience adjustments </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-17 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-17 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b><i>Changes relate to past service </i></b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1\" style=\"text-align:right;vertical-align:bottom;\"><b>16 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1\" style=\"text-align:right;vertical-align:bottom;\"><b>16 </b></td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Net expenses from reinsurance contracts </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-1 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-1 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-1 </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-1 </b></td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-2 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Net finance income from reinsurance contracts </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-22 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-21 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total changes in the income statement </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-23 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>1 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-1 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-1 </b></td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-23 </b></td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Cash flows: </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Premiums paid </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">21 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">21 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Insurance service expenses recovered from reinsurance contracts </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-105 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-105 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total cash flows </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-84 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-84 </b></td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>At 31 December </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>190 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>1 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>190 </b></td></tr></tbody></table> <br/>\n<div class=\"tanPageBreak newPage\"> </div>\n<div class=\"header header-1\">Non-life PAA </div>\n<h3 class=\"table-title\">Changes in insurance contracts by remaining coverage and incurred claims current year </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:auto;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/></colgroup><thead>\n<tr style=\"border:none;\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-left-1 border-right-1 headrow\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-3 valign-bottom align-center border-bottom-1 border-left-1 border-right-1 colspan-2 headrow\" colspan=\"2\" scope=\"col\" style=\"text-align:center;vertical-align:bottom;border-bottom:1px solid;\"><b>Liabilities for remaining coverage </b></th><th class=\"startCol-4 endCol-5 valign-bottom align-center border-bottom-1 border-left-1 border-right-1 colspan-2 headrow\" colspan=\"2\" scope=\"col\" style=\"text-align:center;vertical-align:bottom;border-bottom:1px solid;\"><b>Liabilities for incurred claims </b></th><th class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 headrow\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;border-bottom:1px solid;\"><b>Total </b></th></tr>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Excluding loss component </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Loss component </b></th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Estimates of the present value of the future cash flows </b></th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Risk adjustment for non-financial risk </b></th><th class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>At 1 January 2023 </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>5 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>9 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>1,682 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>55 </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>1,751 </b></td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-left-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Changes in the income statement </b></td><td class=\"startCol-2 endCol-2 valign-top border-left-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-left-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Insurance contract revenue </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-3,693 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-3,693 </b></td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Insurance service expenses </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">New incurred claims and benefits </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-18 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,844 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">21 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,847 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Changes related to past services </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">29 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-10 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">18 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Losses and reversals of losses on onerous contracts </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">12 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">12 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Claims and benefits </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-6 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>2,873 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>11 </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>2,877 </b></td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Insurance service operating expenses </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>682 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>682 </b></td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total insurance service expenses </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-6 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>3,555 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>11 </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>3,559 </b></td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Insurance service result </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-3,693 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-6 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>3,555 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>11 </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-133 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Net finance expenses from insurance contracts </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">55 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">3 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">57 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total changes in the income statement </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-3,693 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-6 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>3,610 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>13 </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-76 </b></td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Cash flows </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Premiums received </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">3,443 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">3,443 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Insurance service expenses paid </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-487 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-2,841 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-3,328 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total cash flows </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>2,956 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-2,841 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>115 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Changes in the composition of the group </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">14 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">14 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Transfer prepaid insurance service expenses from LRC to LIC </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">476 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-476 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>At 31 December 2023 </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-242 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>3 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>1,975 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>68 </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>1,804 </b></td></tr></tbody></table> <br/>\n<p>Changes in the composition of the group relates to the liabilities acquired through the acquisition of Aegon NL, see <a href=\"#n1287134\" title=\"Acquisitions\">chapter 7.4.5</a>. </p>\n<h3 class=\"table-title\">Changes in insurance contracts by remaining coverage and incurred claims prior year </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:auto;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/></colgroup><thead>\n<tr style=\"border:none;\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-left-1 border-right-1 headrow\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-3 valign-bottom align-center border-bottom-1 border-left-1 border-right-1 colspan-2 headrow\" colspan=\"2\" scope=\"col\" style=\"text-align:center;vertical-align:bottom;border-bottom:1px solid;\"><b>Liabilities for remaining coverage </b></th><th class=\"startCol-4 endCol-5 valign-bottom align-center border-bottom-1 border-left-1 border-right-1 colspan-2 headrow\" colspan=\"2\" scope=\"col\" style=\"text-align:center;vertical-align:bottom;border-bottom:1px solid;\"><b>Liabilities for incurred claims </b></th><th class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 headrow\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;border-bottom:1px solid;\"><b>Total </b></th></tr>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Excluding loss component </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Loss component </b></th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Estimates of the present value of the future cash flows </b></th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Risk adjustment for non-financial risk </b></th><th class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>At 1 January 2022 </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-93 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>2 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>1,803 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>67 </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>1,778 </b></td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Changes in the income statement </b></td><td class=\"startCol-2 endCol-2 valign-top border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Insurance contract revenue </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1\" style=\"text-align:right;vertical-align:bottom;\">-2,792 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1\" style=\"text-align:right;vertical-align:bottom;\">-2,792 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Insurance service expenses </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">New incurred claims and benefits </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-2 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2,011 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">18 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2,028 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Changes related to past services </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">34 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-30 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">3 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Losses and reversals of losses on onerous contracts </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1\" style=\"text-align:right;vertical-align:bottom;\">9 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1\" style=\"text-align:right;vertical-align:bottom;\">9 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Claims and benefits </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>8 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>2,044 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-12 </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>2,040 </b></td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Insurance service operating expenses </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>628 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>628 </b></td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total insurance service expenses </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>8 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>2,673 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-12 </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>2,669 </b></td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Insurance service result </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-2,792 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>8 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>2,673 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-12 </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-123 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Net finance expenses from insurance contracts </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-136 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-136 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total changes in the income statement </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-2,792 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>8 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>2,537 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-12 </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-259 </b></td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Cash flows </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Premiums received </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2,879 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2,879 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Insurance service expenses paid </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-430 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-2,218 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-2,648 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total cash flows </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>2,450 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-2,218 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>232 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Transfer prepaid insurance service expenses from LRC to LIC </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">440 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-440 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>At 31 December 2022 </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>5 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>9 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>1,682 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>55 </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>1,751 </b></td></tr></tbody></table> <br/>\n<h3 class=\"table-title\">Changes in reinsurance contracts by remaining coverage and incurred claims current year </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:auto;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/></colgroup><thead>\n<tr style=\"border:none;\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 headrow\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-3 valign-middle align-center border-bottom-1 colspan-2 headrow\" colspan=\"2\" scope=\"col\" style=\"text-align:center;vertical-align:middle;border-bottom:1px solid;\"><b>Assets for remaining coverage </b></th><th class=\"startCol-4 endCol-5 valign-middle align-center border-bottom-1 colspan-2 headrow\" colspan=\"2\" scope=\"col\" style=\"text-align:center;vertical-align:middle;border-bottom:1px solid;\"><b>Assets for incurred claims </b></th><th class=\"startCol-6 endCol-6 valign-middle align-right border-bottom-1 headrow\" scope=\"col\" style=\"text-align:right;vertical-align:middle;border-bottom:1px solid;\"><b>Total </b></th></tr>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-left-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;\"><b>2023 </b></th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Excluding loss recovery component </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Loss recovery component </b></th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Estimates of the present value of the future cash flows </b></th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Risk adjustment for non-financial risk </b></th><th class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>At 1 January </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>3 </b></td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>53 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>2 </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>58 </b></td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Changes in the income statement </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Allocation of reinsurance premiums paid </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-105 </td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-105 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Amounts recoverable from reinsurers </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">61 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">61 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Adjustments to assets for incurred claims </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">42 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">42 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Net expenses from reinsurance contracts </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-105 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>103 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>1 </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-2 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Net finance income from reinsurance contracts </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total changes in the income statement </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-105 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>105 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>1 </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Cash flows </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Premiums paid </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">108 </td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">108 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Insurance service expenses recovered from reinsurance contracts </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-90 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-90 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total cash flows </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>108 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-90 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>18 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Changes in the composition of the group </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-1 </td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-1 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>At 31 December </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>4 </b></td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>68 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>3 </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>75 </b></td></tr></tbody></table> <br/>\n<h3 class=\"table-title\">Changes in reinsurance contracts by remaining coverage and incurred claims prior year </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:auto;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/></colgroup><thead>\n<tr style=\"border:none;\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 headrow\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-3 valign-middle align-center border-bottom-1 colspan-2 headrow\" colspan=\"2\" scope=\"col\" style=\"text-align:center;vertical-align:middle;border-bottom:1px solid;\"><b>Assets for remaining coverage </b></th><th class=\"startCol-4 endCol-5 valign-middle align-center border-bottom-1 colspan-2 headrow\" colspan=\"2\" scope=\"col\" style=\"text-align:center;vertical-align:middle;border-bottom:1px solid;\"><b>Assets for incurred claims </b></th><th class=\"startCol-6 endCol-6 valign-middle align-right border-bottom-1 headrow\" scope=\"col\" style=\"text-align:right;vertical-align:middle;border-bottom:1px solid;\"><b>Total </b></th></tr>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-left-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;\"><b>2022 </b></th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Excluding loss recovery component </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Loss recovery component </b></th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Estimates of the present value of the future cash flows </b></th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Risk adjustment for non-financial risk </b></th><th class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>At 1 January </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>6 </b></td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>27 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>2 </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>35 </b></td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Changes in the income statement </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Allocation of reinsurance premiums paid </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-71 </td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-71 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Amounts recoverable from reinsurers </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">48 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">48 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Adjustments to assets for incurred claims </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">7 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-1 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">6 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Net expenses from reinsurance contracts </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-71 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>55 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-1 </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-16 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Net finance income from reinsurance contracts </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-5 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-5 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total changes in the income statement </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-71 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>50 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-1 </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-21 </b></td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Cash flows </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Premiums paid </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">68 </td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">68 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Insurance service expenses recovered from reinsurance contracts </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-24 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-24 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total cash flows </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>68 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-24 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>44 </b></td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>At 31 December </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>3 </b></td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>53 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>2 </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>58 </b></td></tr></tbody></table> <br/>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n1288830\"><span class=\"number\">7.5.13.2 </span><span class=\"title-text\">Life - GMM </span></h1>\n<h3 class=\"table-title\">Changes in insurance contracts by remaining coverage and incurred claims current year </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:auto;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/></colgroup><thead>\n<tr style=\"border:none;\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 headrow\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-3 valign-bottom align-right border-bottom-1 colspan-2 headrow\" colspan=\"2\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;border-bottom:1px solid;\"><b>Liabilities for remaining coverage </b></th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 headrow\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;border-bottom:1px solid;\"><b>Liabilities for incurred claims </b></th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 headrow\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;border-bottom:1px solid;\"><b>Total </b></th></tr>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Excluding loss component </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Loss component </b></th><th class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>At 1 January 2023 </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>25,549 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>210 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>141 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>25,900 </b></td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Changes in the income statement </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Insurance contract revenue of which: </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-2,113 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-2,113 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Contracts recognised from transition date and retrospective approach </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-1,148 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-1,148 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Contracts under the fair value approach </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-965 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-965 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Insurance service expenses </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">New incurred claims and benefits </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-32 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1,744 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1,712 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Losses and reversals of losses on onerous contracts </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">41 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">41 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Claims and benefits </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>9 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>1,744 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>1,753 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Other insurance service operating expenses </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">132 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">132 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Amortisation of insurance acquisition cash flows </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Insurance service operating expenses </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>2 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>132 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>134 </b></td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total insurance service expenses </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>2 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>9 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>1,875 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>1,887 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Investment components </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-619 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">619 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Insurance service result </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-2,730 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>9 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>2,495 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-226 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Net finance expenses (income) from insurance contracts </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,415 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,416 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total changes in the income statement </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-315 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>10 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>2,495 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>2,190 </b></td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Cash flows </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Premiums received </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">927 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">927 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Insurance service expenses paid, including investment components </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-4 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-2,501 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-2,505 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Insurance acquisition cash flows </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-3 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-3 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total cash flows </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>920 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-2,501 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-1,581 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Changes in the composition of the group </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">29,552 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">29,553 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>At 31 December 2023 </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>55,707 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>220 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>136 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>56,063 </b></td></tr></tbody></table> <br/>\n<p>Changes in the composition of the group relates to the liabilities acquired through the acquisition of Aegon NL, see chapter <a href=\"#n1287134\" title=\"Acquisitions\">7.4.5</a>. </p>\n<h3 class=\"table-title\">Changes in insurance contracts by remaining coverage and incurred claims prior year </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:auto;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/></colgroup><thead>\n<tr style=\"border:none;\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 headrow\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-3 valign-bottom align-right border-bottom-1 colspan-2 headrow\" colspan=\"2\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;border-bottom:1px solid;\"><b>Liabilities for remaining coverage </b></th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 headrow\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;border-bottom:1px solid;\"><b>Liabilities for incurred claims </b></th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 headrow\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;border-bottom:1px solid;\"><b>Total </b></th></tr>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Excluding loss component </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Loss component </b></th><th class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>At 1 January 2022 </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>35,259 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>29 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>182 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>35,470 </b></td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Changes in the income statement </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Insurance contract revenue of which: </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-1,249 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-1,249 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Contracts recognised from transition date and retrospective approach </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-270 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-270 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Contracts under the fair value approach </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-979 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-979 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Insurance service expenses </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">New incurred claims and benefits </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-58 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">982 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">923 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Losses and reversals of losses on onerous contracts </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">239 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">239 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Incurred claims and benefits </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>180 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>982 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>1,162 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Other insurance service operating expenses </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">64 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">64 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Amortisation of insurance acquisition cash flows </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Insurance service operating expenses </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>2 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>64 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>65 </b></td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total insurance service expenses </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>2 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>180 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>1,046 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>1,228 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Investment components </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-659 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">659 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Insurance service result </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-1,907 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>180 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>1,705 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-22 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Net finance expenses (income) from insurance contracts </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-8,498 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-8,498 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total changes in the income statement </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-10,405 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>181 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>1,705 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-8,519 </b></td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Cash flows </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Premiums received </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">702 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">702 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Insurance service expenses paid, including investment components </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-1,746 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-1,746 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Insurance acquisition cash flows </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-2 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-2 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total cash flows </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>700 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-1,746 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-1,046 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Other </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-5 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-5 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>At 31 December 2022 </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>25,549 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>210 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>141 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>25,900 </b></td></tr></tbody></table> <br/>\n<p>For the Life segment the LRC includes the incurred claims from certain second order events (for example from future premium waiver at disability or incurred survivor benefits) following the option to account for these events as part of the LRC. </p>\n<h3 class=\"table-title\">Changes in insurance contracts by measurement component current year </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:auto;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/></colgroup><thead>\n<tr style=\"border:none;\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 headrow\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 headrow\" scope=\"col\" style=\"text-align:right;vertical-align:middle;border-bottom:1px solid;\"><b>Estimates of the present value of the future cash flows </b></th><th class=\"startCol-3 endCol-3 valign-middle align-right border-bottom-1 headrow\" scope=\"col\" style=\"text-align:right;vertical-align:middle;border-bottom:1px solid;\"><b>Risk adjustment for non-financial risk </b></th><th class=\"startCol-4 endCol-6 valign-middle align-left border-bottom-1 colspan-3 headrow\" colspan=\"3\" scope=\"col\" style=\"text-align:left;vertical-align:middle;border-bottom:1px solid;\"><b>CSM </b></th><th class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 headrow\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;border-bottom:1px solid;\"><b>Total </b></th></tr>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Total </b></th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Of which, contracts recognised from transition date and retrospective approach </b></th><th class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Of which, contracts under fair value approach </b></th><th class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>At 1 January 2023 </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>23,339 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>963 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>1,598 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>1,049 </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>549 </b></td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>25,900 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Changes in the income statement </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-left-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\"><b><i>Changes that relate to future services: </i></b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-left-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">- Changes in estimates that adjust the CSM </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-194 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">168 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">25 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-12 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">37 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">- Changes in estimates that result in losses or the reversal of losses on onerous contracts </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">38 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-8 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">30 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">- Effects of contracts initially recognised in the period </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-91 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">27 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">76 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">76 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">11 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\"><b><i>Changes that relate to current services: </i></b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-left-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">- CSM recognised in profit or loss for services provided </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-145 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-104 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-41 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-145 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">- Release of the risk adjustment for non-financial risk </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-103 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-103 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">- Experience adjustments </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-19 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-19 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Insurance service result </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-266 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>84 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-44 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-40 </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-3 </b></td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-226 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Net finance expenses (income) from insurance contracts </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,391 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-45 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">71 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">71 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,416 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total changes in the income statement </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>2,125 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>39 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>27 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>30 </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-3 </b></td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>2,190 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Cash flows </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-left-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Premiums received </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">927 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">927 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Insurance service expenses paid </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-2,505 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-2,505 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Insurance acquisition cash flows </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-3 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-3 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total cash flows </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-1,581 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-1,581 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Changes in the composition of the group </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">26,430 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1,080 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,043 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,043 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">29,553 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>At 31 December 2023 </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>50,313 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>2,082 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>3,668 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>3,122 </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>545 </b></td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>56,063 </b></td></tr></tbody></table> <br/>\n<h3 class=\"table-title\">Changes in insurance contracts by measurement component prior year </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:auto;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/></colgroup><thead>\n<tr style=\"border:none;\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 headrow\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 headrow\" scope=\"col\" style=\"text-align:right;vertical-align:middle;border-bottom:1px solid;\"><b>Estimates of the present value of the future cash flows </b></th><th class=\"startCol-3 endCol-3 valign-middle align-right border-bottom-1 border-right-1 headrow\" scope=\"col\" style=\"text-align:right;vertical-align:middle;border-bottom:1px solid;\"><b>Risk adjustment for non-financial risk </b></th><th class=\"startCol-4 endCol-6 valign-middle align-left border-bottom-1 border-left-1 colspan-3 headrow\" colspan=\"3\" scope=\"col\" style=\"text-align:left;vertical-align:middle;border-bottom:1px solid;\"><b>CSM </b></th><th class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 headrow\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;border-bottom:1px solid;\"><b>Total </b></th></tr>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Total </b></th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Of which, contracts recognised from transition date and retrospective approach </b></th><th class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Of which, contracts under fair value approach </b></th><th class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>At 1 January 2022 </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>32,288 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>1,384 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>1,799 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>1,132 </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>667 </b></td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>35,470 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Changes in the income statement </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\"><b><i>Changes that relate to future services: </i></b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">- Changes in estimates that adjust the CSM </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">430 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-221 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-209 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-134 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-75 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">- Changes in estimates that result in losses or the reversal of losses on onerous contracts </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">24 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">193 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">218 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">- Effects of contracts initially recognised in the period </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-77 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">34 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">65 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">65 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">21 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\"><b><i>Changes that relate to current services: </i></b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">- CSM recognised in profit or loss for services provided </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-75 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-34 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-41 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-75 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">- Release of the risk adjustment for non-financial risk </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-96 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-96 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">- Experience adjustments </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-89 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-89 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Insurance service result </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>288 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-90 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-220 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-103 </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-117 </b></td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-22 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Net finance expenses (income) from insurance contracts </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-8,186 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-331 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">19 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">20 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-1 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-8,498 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total changes in the income statement </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-7,898 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-421 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-201 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-83 </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-118 </b></td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-8,519 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Cash flows </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Premiums received </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">702 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">702 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Insurance service expenses paid </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-1,746 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-1,746 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Insurance acquisition cash flows </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-2 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-2 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total cash flows </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-1,046 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-1,046 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Other </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-5 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-5 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>At 31 December 2022 </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>23,339 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>963 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>1,598 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>1,049 </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>549 </b></td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>25,900 </b></td></tr></tbody></table> <br/>\n<div class=\"tanPageBreak newPage\"> </div>\n<h3 class=\"table-title\">Changes in reinsurance contracts by remaining coverage and incurred claims </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:auto;\"/><col style=\"width:20%;\"/><col style=\"width:20%;\"/><col style=\"width:20%;\"/></colgroup><thead>\n<tr style=\"border:none;\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-top-1 headrow\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-middle align-center border-bottom-1 border-top-1 headrow\" scope=\"col\" style=\"text-align:center;vertical-align:middle;border-bottom:1px solid;\"><b>Assets for remaining coverage </b></th><th class=\"startCol-3 endCol-3 valign-middle align-center border-bottom-1 border-top-1 headrow\" scope=\"col\" style=\"text-align:center;vertical-align:middle;border-bottom:1px solid;\"><b>Assets for incurred claims </b></th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 headrow\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;border-bottom:1px solid;\"><b>Total </b></th></tr>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;\"><b>2023 </b></th><th class=\"startCol-2 endCol-2 valign-bottom align-left border-bottom-1 border-left-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;\"><b>Excluding loss recovery component </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-left border-bottom-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;\">\u00a0</th><th class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>At 1 January </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>130 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-1 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>129 </b></td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Changes in the income statement: </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Allocation of reinsurance premiums paid </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-440 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-440 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">Amounts recoverable from reinsurers </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">423 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">423 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Changes in amounts recoverable arising from changes in assets for incurred claims </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Net expenses from reinsurance contracts </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-440 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>423 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-17 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Net finance income from reinsurance contracts </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-16 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-16 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total changes in the income statement </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-456 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>423 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-33 </b></td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Cash flows: </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">Premiums paid </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">437 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">437 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Insurance service expenses recovered from reinsurance contracts </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-423 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-423 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total cash flows </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>437 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-423 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>14 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">Changes in the composition of the group </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">102 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">102 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>At 31 December </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>213 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-1 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>211 </b></td></tr></tbody></table> <br/>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:auto;\"/><col style=\"width:20%;\"/><col style=\"width:20%;\"/><col style=\"width:20%;\"/></colgroup><thead>\n<tr style=\"border:none;\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-top-1 headrow\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-middle align-center border-bottom-1 border-top-1 headrow\" scope=\"col\" style=\"text-align:center;vertical-align:middle;border-bottom:1px solid;\"><b>Assets for remaining coverage </b></th><th class=\"startCol-3 endCol-3 valign-middle align-center border-bottom-1 border-top-1 headrow\" scope=\"col\" style=\"text-align:center;vertical-align:middle;border-bottom:1px solid;\"><b>Assets for incurred claims </b></th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 headrow\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;border-bottom:1px solid;\"><b>Total </b></th></tr>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;\"><b>2022 </b></th><th class=\"startCol-2 endCol-2 valign-bottom align-left border-bottom-1 border-left-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;\"><b>Excluding loss recovery component </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-left border-bottom-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;\">\u00a0</th><th class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>At 1 January </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>188 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-2 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>186 </b></td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Changes in the income statement: </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Allocation of reinsurance premiums paid </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-17 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-17 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">Amounts recoverable from reinsurers </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">12 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">12 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Changes in amounts recoverable arising from changes in assets for incurred claims </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Net expenses from reinsurance contracts </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-17 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>12 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-5 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Net finance income from reinsurance contracts </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-41 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-41 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total changes in the income statement </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-58 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>12 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-46 </b></td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Cash flows: </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Insurance service expenses recovered from reinsurance contracts </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-11 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-11 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total cash flows </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-11 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-11 </b></td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>At 31 December </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>130 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-1 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>129 </b></td></tr></tbody></table> <br/>\n<div class=\"tanPageBreak newPage\"> </div>\n<h3 class=\"table-title\">Changes in reinsurance contracts by measurement component </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:auto;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/></colgroup><thead>\n<tr style=\"border:none;\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-top-1 headrow\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-middle align-center border-bottom-1 border-top-1 headrow\" scope=\"col\" style=\"text-align:center;vertical-align:middle;border-bottom:1px solid;\"><b>Estimates of the present value of the future cash flows </b></th><th class=\"startCol-3 endCol-3 valign-middle align-center border-bottom-1 border-top-1 headrow\" scope=\"col\" style=\"text-align:center;vertical-align:middle;border-bottom:1px solid;\"><b>Risk adjustment for non-financial risk </b></th><th class=\"startCol-4 endCol-6 valign-middle align-left border-bottom-1 border-top-1 colspan-3 headrow\" colspan=\"3\" scope=\"col\" style=\"text-align:left;vertical-align:middle;border-bottom:1px solid;\"><b>CSM </b></th><th class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-top-1 headrow\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;border-bottom:1px solid;\"><b>Total </b></th></tr>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;\"><b>2023 </b></th><th class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Total </b></th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Of which, contracts recognised from transition date and retrospective approach </b></th><th class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Of which, contracts under fair value approach </b></th><th class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-left-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>At 1 January </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>120 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>8 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>2 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>2 </b></td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>129 </b></td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Changes in the income statement: </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-left-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b><i>Changes that relate to future services </i></b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-left-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">- Changes in estimates that adjust the CSM </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-25 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">56 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-31 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-35 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">4 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b><i>Changes that relate to current services: </i></b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">- CSM recognised in the income statement for services received </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-1 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-1 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">- Release of the risk adjustment for non-financial risk </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-11 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-11 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">- Experience adjustments </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-5 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-5 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Net expenses from reinsurance contracts </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-30 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>45 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-32 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-35 </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>4 </b></td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-17 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Net finance income from reinsurance contracts </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-17 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-1 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-16 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total changes in the income statement </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-47 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>45 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-30 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-35 </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>6 </b></td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-33 </b></td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Cash flows: </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-left-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Premiums paid </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">437 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">437 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Insurance service expenses recovered from reinsurance contracts </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-423 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-423 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total cash flows </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>14 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>14 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Changes in the composition of the group </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-413 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">426 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">90 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">90 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">102 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>At 31 December </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-328 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>478 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>61 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>55 </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>7 </b></td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>211 </b></td></tr></tbody></table> <br/>\n<p>Changes in the composition of the group relates to the liabilities acquired through the acquisition of Aegon NL, see chapter <a href=\"#n1287134\" title=\"Acquisitions\">7.4.5</a>. </p>\n<div class=\"tanPageBreak newPage\"> </div>\n<h3 class=\"table-title\">Changes in reinsurance contracts by measurement component </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:auto;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/></colgroup><thead>\n<tr style=\"border:none;\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-top-1 headrow\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-middle align-center border-bottom-1 border-top-1 headrow\" scope=\"col\" style=\"text-align:center;vertical-align:middle;border-bottom:1px solid;\"><b>Estimates of the present value of the future cash flows </b></th><th class=\"startCol-3 endCol-3 valign-middle align-center border-bottom-1 border-top-1 headrow\" scope=\"col\" style=\"text-align:center;vertical-align:middle;border-bottom:1px solid;\"><b>Risk adjustment for non-financial risk </b></th><th class=\"startCol-4 endCol-5 valign-middle align-left border-bottom-1 border-top-1 colspan-2 headrow\" colspan=\"2\" scope=\"col\" style=\"text-align:left;vertical-align:middle;border-bottom:1px solid;\"><b>CSM </b></th><th class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1 headrow\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;border-bottom:1px solid;\"><b>Total </b></th></tr>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-left-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;\"><b>2022 </b></th><th class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Total </b></th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Of which, contracts under fair value approach </b></th><th class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>At 1 January </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>163 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>14 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>9 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>9 </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>186 </b></td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Changes in the income statement: </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b><i>Changes that relate to future services </i></b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">- Changes in estimates that adjust the CSM </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-1 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-1 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-1 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b><i>Changes that relate to current services: </i></b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">- CSM recognised in the income statement for services received </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-7 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-7 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-7 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">- Release of the risk adjustment for non-financial risk </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-1 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-1 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">- Experience adjustments </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Net expenses from reinsurance contracts </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>4 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-2 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-8 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-8 </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-5 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Net finance income from reinsurance contracts </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-37 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-4 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-41 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total changes in the income statement </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-32 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-6 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-8 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-46 </b></td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Cash flows: </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Insurance service expenses recovered from reinsurance contracts </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-11 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-11 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total cash flows </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-11 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-11 </b></td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>At 31 December </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>120 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>8 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>2 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>2 </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>129 </b></td></tr></tbody></table> <br/>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n1288854\"><span class=\"number\">7.5.13.3 </span><span class=\"title-text\">Assumptions used </span></h1>\n<p>In estimating the fulfilment cash flows included in the contract boundary, a.s.r. considers the range of all possible outcomes in an unbiased way specifying the amount of cash flows, timing and probability reflecting conditions existing at the measurement date, using a probability-weighted average of all possible scenarios. In determining possible scenarios, a.s.r. uses all the reasonable and supportable information available to them without undue cost and effort, which includes information about past events, current conditions and future forecasts. </p>\n<div class=\"header header-2\">Actuarial assumptions </div>\n<p>Cash flow estimates include both market variables directly observed in the market or derived directly from markets and non-market variables, such as mortality and longevity. The best estimate assumptions regarding mortality and longevity include recent trend assumptions for life expectancy in the Netherlands, as provided by the Dutch Koninklijk Actuarieel Genootschap (Actuarial Association). </p>\n<p>Lapse, cancellation and surrender assumptions are non-economic assumptions and reflect the expected policyholder behaviour. As such the rates usually depend on issue year, policy year, major business lines and sales channels. Such granularity is usually enough to capture how the product terms and conditions as well as regulations can influence the timing and volume of lapse and surrenders. Calendar year based adjustments and dynamic policyholder behaviour are considered when needed in specific circumstances. </p>\n<p>Expenses are included in the fulfilment cash flows, when they are directly attributable to insurance contracts and have been allocated to the business lines. These expenses include acquisition expenses, investment expenses related to direct participating contracts as well as overhead costs that a.s.r. considers to be unavoidable when fulfilling the in-force contracts. </p>\n<div class=\"header header-2\">Risk adjustment </div>\n<p>The risk adjustment is determined for each portfolio of insurance contracts using a Cost of Capital (CoC) method similar to the risk margin used for reporting under the Solvency II. a.s.r. currently uses the Solvency II model to quantify the risks, adjusted for the following points: </p><ul><li>\n<p>Excluding general operational risk; </p></li><li>\n<p>Excluding market risk (if any); </p></li><li>\n<p>Excluding reinsurance counterparty default risk; </p></li><li>\n<p>Added a reinsured risk adjustment by calculating the risk adjustment gross and net of reinsurance; </p></li><li>\n<p>A CoC rate of 6% is used, diversification effects are applied for disability, taking into account a going concern basis; </p></li><li>\n<p>ECAP is used where available (e.g. P&amp;C Cat risk); and </p></li><li>\n<p>The IFRS 17 discount rate curve is used. </p></li></ul>\n<p>The risks that are generally incorporated through the risk adjustment are mortality, longevity, disability, lapse, catastrophe and expense risk. A projection of expected future risks is made and all these risks are projected into the future. The total risk for every future year is determined based on correlations between the risks described in Solvency II. The projected total risk for every year is multiplied by a cost of capital charge and discounted at the balance sheet date. </p>\n<p>The risk adjustment is calculated at a range of confidence levels, as set out below in the table. The implied confidence levels are determined for both the one year and multiyear view, gross of reinsurance. </p>\n<h3 class=\"table-title\">Confidence levels </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:28%;\"/><col style=\"width:37.5%;\"/><col style=\"width:34.5%;\"/></colgroup><thead>\n<tr style=\"border:none;\"><th class=\"startCol-1 endCol-1 valign-top border-right-1 headrow\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-top border-left-1 headrow\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-right-1 headrow\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;border-bottom:1px solid;\"><b>31 December 2023 </b></th></tr>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>1 year view </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Ultimate view </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Range </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">95% - 98% </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">66% - 76% </td></tr></tbody></table> <br/>\n<div class=\"header header-2\">Discount curve </div>\n<p>Discount curves to discount the expected future fulfilment cash flows are determined using a liquid risk free curve to which an illiquidity premium is added. The risk-free curve is based on the 6-month EURIBOR swap rate and includes a credit-risk adjustment and a first smoothing point of 20 years. a.s.r. uses an UFR of 3.40% in 2023 (2022: 3.45%) for the construction of the curve from the first smoothing point (FSP). The liability illiquidity premium (LIP) is the adjustment resulting from differences between the liquidity characteristics of the group of insurance contracts and the liquidity of the assets used to establish the yield curve. The LIP is derived from a.s.r.\u2019s current asset portfolio using a top-down approach per entity or liability product. </p>\n<p>The discount curves are also applicable to the liabilities arising from direct participating insurance contracts. Further information on these contracts can be found in chapter <a href=\"#n1288943\" title=\"Liabilities arising from direct participating insurance contracts\">7.5.14</a>. </p>\n<p>The range of application ratio\u2019s follow the SCR Mass Lapse methodology, and include the harmonisation with Aegon NL. </p>\n<h3 class=\"table-title\">Discount curves used in the valuation of the insurance contract liabilities and liabilities arising from direct participating insurance contracts </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:0%;\"/><col style=\"width:12%;\"/><col style=\"width:10%;\"/><col style=\"width:10%;\"/><col style=\"width:10%;\"/><col style=\"width:10%;\"/><col style=\"width:10%;\"/><col style=\"width:10%;\"/><col style=\"width:10%;\"/></colgroup><thead>\n<tr style=\"border:none;\"><th class=\"startCol-1 endCol-1 valign-top headrow\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-top headrow\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-3 endCol-3 valign-top headrow\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-4 endCol-4 valign-top headrow\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-5 endCol-5 valign-top headrow\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-6 endCol-6 valign-top headrow\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-7 endCol-7 valign-top headrow\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-8 endCol-8 valign-top headrow\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-9 endCol-9 valign-bottom align-right headrow\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;border-bottom:1px solid;\"><b>Years </b></th></tr>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;\"><b>Range LIP </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>1 </b></th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>5 </b></th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>10 </b></th><th class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>20 </b></th><th class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>30 </b></th><th class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>40 </b></th><th class=\"startCol-9 endCol-9 valign-bottom align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>50 </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">1 January 2022 </td><td class=\"startCol-2 endCol-2 valign-bottom border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">25% (min) </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-0.46% </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">0.04% </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">0.33% </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">0.58% </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1.02% </td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1.51% </td><td class=\"startCol-9 endCol-9 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1.87% </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-bottom border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">100% (max) </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-0.34% </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">0.16% </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">0.45% </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">0.70% </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1.12% </td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1.59% </td><td class=\"startCol-9 endCol-9 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1.94% </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-8 endCol-8 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-9 endCol-9 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">31 December 2022 </td><td class=\"startCol-2 endCol-2 valign-bottom border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">25% (min) </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">3.32% </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">3.27% </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">3.23% </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2.90% </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2.75% </td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2.84% </td><td class=\"startCol-9 endCol-9 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2.94% </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-bottom border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">100% (max) </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">3.61% </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">3.56% </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">3.52% </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">3.19% </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2.99% </td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">3.03% </td><td class=\"startCol-9 endCol-9 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">3.09% </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-8 endCol-8 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-9 endCol-9 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">31 December 2023 </td><td class=\"startCol-2 endCol-2 valign-bottom border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">50% (min) </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">3.80% </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2.76% </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2.83% </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2.84% </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2.82% </td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2.91% </td><td class=\"startCol-9 endCol-9 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2.99% </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-bottom border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">100% (max) </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">4.21% </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">3.17% </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">3.24% </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">3.25% </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">3.17% </td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">3.18% </td><td class=\"startCol-9 endCol-9 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">3.21% </td></tr></tbody></table> <br/>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n1288877\"><span class=\"number\">7.5.13.4 </span><span class=\"title-text\">Contracts issued and acquired in the period </span></h1>\n<p>The following tables summarise the effect on the measurement components of insurance and reinsurance contracts arising from the initial recognition of contracts measured under the GMM that were initially recognised in the year. </p>\n<h3 class=\"table-title\">Contracts issued and acquired: Non-life insurance contracts current year </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:auto;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;\">2023 </th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Profitable contracts issued </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Onerous contracts issued </b></th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Contracts acquired </b></th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Total </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Expected claims and insurance service operating expenses </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1,100 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1,333 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,433 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Insurance acquisition cash flows </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">32 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">32 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Estimates of the present value of future cash outflows </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>1,132 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>1,333 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>2,465 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Estimates of the present value of future cash inflows </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-1,249 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-1,475 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-2,724 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Risk adjustment for non-financial risk </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">21 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">46 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">67 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">CSM </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">96 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">96 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">192 </td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Losses recognised on initial recognition </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td></tr></tbody></table> <br/>\n<h3 class=\"table-title\">Contracts issued and acquired: Non-life insurance contracts prior year </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:auto;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;\">2022 </th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Profitable contracts issued </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Onerous contracts issued </b></th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Contracts acquired </b></th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Total </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Expected claims and insurance service operating expenses </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">400 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">807 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,206 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Insurance acquisition cash flows </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">7 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">14 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">21 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Estimates of the present value of future cash outflows </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>407 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>821 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>1,228 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Estimates of the present value of future cash inflows </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-432 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-839 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-1,271 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Risk adjustment for non-financial risk </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">18 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">26 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">44 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">CSM </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">7 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">7 </td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Losses recognised on initial recognition </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>8 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>8 </b></td></tr></tbody></table> <br/>\n<h3 class=\"table-title\">Contracts issued and acquired: Non-life reinsurance contracts </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:auto;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>2023 </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>2022 </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Estimates of present value of cash inflows </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-132 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Estimates of present value of cash outflows </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">109 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Risk adjustment for non-financial risk </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">8 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">7 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">CSM </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">15 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1\" style=\"text-align:right;vertical-align:bottom;\">-7 </td></tr></tbody></table> <br/>\n<h3 class=\"table-title\">Contracts issued and acquired: Life insurance contracts current year </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:auto;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;\">2023 </th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Profitable contracts issued </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Onerous contracts issued </b></th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Contracts acquired </b></th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Total </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Expected claims and insurance service operating expenses </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">215 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">219 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">26,430 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">26,864 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Insurance acquisition cash flows </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">4 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">6 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Estimates of the present value of future cash outflows </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>217 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>223 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>26,430 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>26,871 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Estimates of the present value of future cash inflows </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-315 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-217 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-29,553 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-30,085 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Risk adjustment for non-financial risk </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">22 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">5 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1,080 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1,107 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">CSM </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">76 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,043 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,118 </td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Losses recognised on initial recognition </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>11 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>11 </b></td></tr></tbody></table> <br/>\n<h3 class=\"table-title\">Contracts issued and acquired: Life insurance contracts prior year </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:auto;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;\">2022 </th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Profitable contracts issued </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Onerous contracts issued </b></th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Contracts acquired </b></th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Total </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Expected claims and insurance service operating expenses </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">274 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">113 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">387 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Insurance acquisition cash flows </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2 </td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Estimates of the present value of future cash outflows </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>275 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>113 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>388 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Estimates of the present value of future cash inflows </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-368 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-98 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-466 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Risk adjustment for non-financial risk </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">28 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">6 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">34 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">CSM </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">65 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">65 </td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Losses recognised on initial recognition </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>21 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>21 </b></td></tr></tbody></table> <br/>\n<h3 class=\"table-title\">Contracts issued and acquired: Life reinsurance contracts </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:auto;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>2023 </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>2022 </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Estimates of present value of cash inflows </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">324 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Estimates of present value of cash outflows </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-839 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Risk adjustment for non-financial risk </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">426 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">CSM </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">90 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr></tbody></table> <br/>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n1288899\"><span class=\"number\">7.5.13.5 </span><span class=\"title-text\">Expected release of the CSM </span></h1>\n<p>The following table illustrates when a.s.r. expects to recognise the remaining CSM as revenue for contracts measured under the GMM. </p>\n<h3 class=\"table-title\">Expected release of the CSM current year </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:auto;\"/><col style=\"width:10%;\"/><col style=\"width:10%;\"/><col style=\"width:10%;\"/><col style=\"width:10%;\"/><col style=\"width:10%;\"/><col style=\"width:10%;\"/><col style=\"width:10%;\"/><col style=\"width:10%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;\">31 December 2023 </th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>&lt; 1 year </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>1-2 years </b></th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>2-3 years </b></th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>3-4 years </b></th><th class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>4-5 years </b></th><th class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>5-10 years </b></th><th class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>&gt; 10 years </b></th><th class=\"startCol-9 endCol-9 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Total </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Insurance contracts </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-8 endCol-8 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-9 endCol-9 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Non-Life GMM </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">51 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">18 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">16 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">15 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">14 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">64 </td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">59 </td><td class=\"startCol-9 endCol-9 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">236 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Life GMM </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">180 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">174 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">169 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">164 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">157 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">702 </td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,123 </td><td class=\"startCol-9 endCol-9 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">3,668 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-8 endCol-8 valign-top border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-9 endCol-9 valign-top border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Reinsurance contracts </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-left-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-8 endCol-8 valign-top border-bottom-1 border-left-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-9 endCol-9 valign-top border-bottom-1 border-left-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Non-Life GMM </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-1 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-1 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-1 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-1 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-1 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-3 </td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-7 </td><td class=\"startCol-9 endCol-9 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-14 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Life GMM </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-4 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-4 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-4 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-3 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-3 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-15 </td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-28 </td><td class=\"startCol-9 endCol-9 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-61 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-8 endCol-8 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-9 endCol-9 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total expected release of the CSM </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>227 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>188 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>180 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>174 </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>167 </b></td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>747 </b></td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>2,146 </b></td><td class=\"startCol-9 endCol-9 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>3,829 </b></td></tr></tbody></table> <br/>\n<h3 class=\"table-title\">Expected release of the CSM prior year </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:auto;\"/><col style=\"width:10%;\"/><col style=\"width:10%;\"/><col style=\"width:10%;\"/><col style=\"width:10%;\"/><col style=\"width:10%;\"/><col style=\"width:10%;\"/><col style=\"width:10%;\"/><col style=\"width:10%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;\">31 December 2022 </th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>&lt; 1 year </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>1-2 years </b></th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>2-3 years </b></th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>3-4 years </b></th><th class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>4-5 years </b></th><th class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>5-10 years </b></th><th class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>&gt; 10 years </b></th><th class=\"startCol-9 endCol-9 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Total </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Insurance contracts </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-8 endCol-8 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-9 endCol-9 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Non-Life GMM </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">14 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">7 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">5 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">5 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">5 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">26 </td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">7 </td><td class=\"startCol-9 endCol-9 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">69 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Life GMM </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">72 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">71 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">71 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">69 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">68 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">301 </td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">946 </td><td class=\"startCol-9 endCol-9 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,598 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-8 endCol-8 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-9 endCol-9 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Reinsurance contracts </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-8 endCol-8 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-9 endCol-9 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Non-Life GMM </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-9 endCol-9 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Life GMM </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-1 </td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-9 endCol-9 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-2 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-8 endCol-8 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-9 endCol-9 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total expected release of the CSM </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>86 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>78 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>76 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>75 </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>73 </b></td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>327 </b></td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>952 </b></td><td class=\"startCol-9 endCol-9 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>1,666 </b></td></tr></tbody></table> <br/>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n1288921\"><span class=\"number\">7.5.13.6 </span><span class=\"title-text\">Claims development table Non-life </span></h1>\n<p>The table below is a ten-year summary of movements in gross cumulative claims in connection with the Non-life portfolio for the period from 2014 to 2023. </p>\n<h3 class=\"table-title\">Ten-year summary of changes in gross cumulative claims </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:0%;\"/><col style=\"width:6.5%;\"/><col style=\"width:6.5%;\"/><col style=\"width:6.5%;\"/><col style=\"width:6.5%;\"/><col style=\"width:6.5%;\"/><col style=\"width:6.5%;\"/><col style=\"width:6.5%;\"/><col style=\"width:6.5%;\"/><col style=\"width:6.5%;\"/><col style=\"width:6.5%;\"/><col style=\"width:6.5%;\"/></colgroup><thead>\n<tr style=\"border:none;\"><th class=\"startCol-1 endCol-1 valign-top headrow\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-12 valign-bottom align-right border-bottom-1 colspan-11 headrow\" colspan=\"11\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;border-bottom:1px solid;\">Claims year </th></tr>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;\">31 December 2023 </th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">2014 </th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">2015 </th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">2016 </th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">2017 </th><th class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">2018 </th><th class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">2019 </th><th class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">2020 </th><th class=\"startCol-9 endCol-9 valign-bottom align-right border-bottom-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">2021 </th><th class=\"startCol-10 endCol-10 valign-bottom align-right border-bottom-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">2022 </th><th class=\"startCol-11 endCol-11 valign-bottom align-right border-bottom-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">2023 </th><th class=\"startCol-12 endCol-12 valign-bottom align-right border-bottom-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">Total </th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">At year end </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-8 endCol-8 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-9 endCol-9 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-10 endCol-10 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-11 endCol-11 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-12 endCol-12 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">1st claim year </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1,975 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,027 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,216 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,237 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,348 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,418 </td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,614 </td><td class=\"startCol-9 endCol-9 valign-bottom align-right border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">3,206 </td><td class=\"startCol-10 endCol-10 valign-bottom align-right border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">3,469 </td><td class=\"startCol-11 endCol-11 valign-bottom align-right border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">4,366 </td><td class=\"startCol-12 endCol-12 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">2015 </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-left-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1,953 </td><td class=\"startCol-3 endCol-3 valign-top format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-8 endCol-8 valign-top format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-9 endCol-9 valign-top format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-10 endCol-10 valign-top format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-11 endCol-11 valign-top border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-12 endCol-12 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">2016 </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-left-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1,959 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,017 </td><td class=\"startCol-4 endCol-4 valign-top format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-8 endCol-8 valign-top format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-9 endCol-9 valign-top format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-10 endCol-10 valign-top format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-11 endCol-11 valign-top border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-12 endCol-12 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">2017 </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-left-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1,951 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,051 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,262 </td><td class=\"startCol-5 endCol-5 valign-top format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-8 endCol-8 valign-top format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-9 endCol-9 valign-top format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-10 endCol-10 valign-top format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-11 endCol-11 valign-top border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-12 endCol-12 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">2018 </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-left-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1,945 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,062 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,310 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,312 </td><td class=\"startCol-6 endCol-6 valign-top format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-8 endCol-8 valign-top format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-9 endCol-9 valign-top format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-10 endCol-10 valign-top format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-11 endCol-11 valign-top border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-12 endCol-12 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">2019 </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-left-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1,936 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,052 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,295 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,375 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,367 </td><td class=\"startCol-7 endCol-7 valign-top format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-8 endCol-8 valign-top format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-9 endCol-9 valign-top format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-10 endCol-10 valign-top format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-11 endCol-11 valign-top border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-12 endCol-12 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">2020 </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-left-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1,911 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,047 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,314 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,382 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,445 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,464 </td><td class=\"startCol-8 endCol-8 valign-top format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-9 endCol-9 valign-top format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-10 endCol-10 valign-top format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-11 endCol-11 valign-top border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-12 endCol-12 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">2021 </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-left-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1,893 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,009 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,251 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,338 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,449 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,510 </td><td class=\"startCol-8 endCol-8 valign-bottom align-right format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,621 </td><td class=\"startCol-9 endCol-9 valign-top format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-10 endCol-10 valign-top format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-11 endCol-11 valign-top border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-12 endCol-12 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">2022 </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-left-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1,894 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,033 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,274 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,325 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,483 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,514 </td><td class=\"startCol-8 endCol-8 valign-bottom align-right format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,630 </td><td class=\"startCol-9 endCol-9 valign-bottom align-right format-highlight\" style=\"text-align:right;vertical-align:bottom;\">3,091 </td><td class=\"startCol-10 endCol-10 valign-top format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-11 endCol-11 valign-top border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-12 endCol-12 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">2023 </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1,895 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,031 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,265 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,335 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,499 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,554 </td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,682 </td><td class=\"startCol-9 endCol-9 valign-bottom align-right border-bottom-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">3,168 </td><td class=\"startCol-10 endCol-10 valign-bottom align-right border-bottom-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">3,509 </td><td class=\"startCol-11 endCol-11 valign-top border-bottom-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-12 endCol-12 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Estimates of undiscounted gross cumulative claims 31 December 2023 </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>1,895 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>2,031 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>2,265 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>2,335 </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>2,499 </b></td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>2,554 </b></td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>2,682 </b></td><td class=\"startCol-9 endCol-9 valign-bottom align-right border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>3,168 </b></td><td class=\"startCol-10 endCol-10 valign-bottom align-right border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>3,509 </b></td><td class=\"startCol-11 endCol-11 valign-bottom align-right border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>4,366 </b></td><td class=\"startCol-12 endCol-12 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Cumulative gross paid claims </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1,736 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1,825 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,011 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,015 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,055 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,010 </td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,020 </td><td class=\"startCol-9 endCol-9 valign-bottom align-right border-bottom-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,295 </td><td class=\"startCol-10 endCol-10 valign-bottom align-right border-bottom-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,351 </td><td class=\"startCol-11 endCol-11 valign-bottom align-right border-bottom-1 border-right-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,130 </td><td class=\"startCol-12 endCol-12 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Gross liabilities claims years 2014 to 2023 </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>159 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>205 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>254 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>319 </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>443 </b></td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>545 </b></td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>662 </b></td><td class=\"startCol-9 endCol-9 valign-bottom align-right border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>873 </b></td><td class=\"startCol-10 endCol-10 valign-bottom align-right border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>1,158 </b></td><td class=\"startCol-11 endCol-11 valign-bottom align-right border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>2,236 </b></td><td class=\"startCol-12 endCol-12 valign-bottom align-right border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>6,855 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Gross liabilities claims years before 2014 </td><td class=\"startCol-2 endCol-2 valign-top border-left-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-8 endCol-8 valign-top format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-9 endCol-9 valign-top format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-10 endCol-10 valign-top format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-11 endCol-11 valign-top border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-12 endCol-12 valign-bottom align-right border-left-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">994 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Effect of discounting </td><td class=\"startCol-2 endCol-2 valign-top border-left-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-8 endCol-8 valign-top format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-9 endCol-9 valign-top format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-10 endCol-10 valign-top format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-11 endCol-11 valign-top border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-12 endCol-12 valign-bottom align-right border-left-1 border-right-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-1,289 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Effect of the risk adjustment margin for non-financial risk </td><td class=\"startCol-2 endCol-2 valign-top border-left-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-8 endCol-8 valign-top format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-9 endCol-9 valign-top format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-10 endCol-10 valign-top format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-11 endCol-11 valign-top border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-12 endCol-12 valign-bottom align-right border-left-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">135 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Other </td><td class=\"startCol-2 endCol-2 valign-top border-left-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-8 endCol-8 valign-top format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-9 endCol-9 valign-top format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-10 endCol-10 valign-top format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-11 endCol-11 valign-top border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-12 endCol-12 valign-bottom align-right border-left-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">15 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-8 endCol-8 valign-top border-bottom-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-9 endCol-9 valign-top border-bottom-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-10 endCol-10 valign-top border-bottom-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-11 endCol-11 valign-top border-bottom-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-12 endCol-12 valign-top border-bottom-1 border-left-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Gross liabilities for incurred claims </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-8 endCol-8 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-9 endCol-9 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-10 endCol-10 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-11 endCol-11 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-12 endCol-12 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>6,710 </b></td></tr></tbody></table> <br/>\n<p>Gross claims in the claims development table include the Aegon NL claims as from the acquisition date. </p>\n<h3 class=\"table-title\">Ten-year summary of changes in gross cumulative claims </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:0%;\"/><col style=\"width:6.5%;\"/><col style=\"width:6.5%;\"/><col style=\"width:6.5%;\"/><col style=\"width:6.5%;\"/><col style=\"width:6.5%;\"/><col style=\"width:6.5%;\"/><col style=\"width:6.5%;\"/><col style=\"width:6.5%;\"/><col style=\"width:6.5%;\"/><col style=\"width:6.5%;\"/><col style=\"width:6.5%;\"/></colgroup><thead>\n<tr style=\"border:none;\"><th class=\"startCol-1 endCol-1 valign-top headrow\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-12 valign-bottom align-right border-bottom-1 colspan-11 headrow\" colspan=\"11\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;border-bottom:1px solid;\">Claims year </th></tr>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;\">31 December 2022 </th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">2013 </th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">2014 </th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">2015 </th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">2016 </th><th class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">2017 </th><th class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">2018 </th><th class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">2019 </th><th class=\"startCol-9 endCol-9 valign-bottom align-right border-bottom-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">2020 </th><th class=\"startCol-10 endCol-10 valign-bottom align-right border-bottom-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">2021 </th><th class=\"startCol-11 endCol-11 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">2022 </th><th class=\"startCol-12 endCol-12 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">Total </th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">At year end </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-8 endCol-8 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-9 endCol-9 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-10 endCol-10 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-11 endCol-11 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-12 endCol-12 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">1st claim year </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2,048 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,975 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2,027 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2,216 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2,237 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2,348 </td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2,418 </td><td class=\"startCol-9 endCol-9 valign-bottom align-right border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2,614 </td><td class=\"startCol-10 endCol-10 valign-bottom align-right border-top-1\" style=\"text-align:right;vertical-align:bottom;\">3,206 </td><td class=\"startCol-11 endCol-11 valign-bottom align-right border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">3,469 </td><td class=\"startCol-12 endCol-12 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">2014 </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-left-1\" style=\"text-align:right;vertical-align:bottom;\">2,060 </td><td class=\"startCol-3 endCol-3 valign-top\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-8 endCol-8 valign-top\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-9 endCol-9 valign-top\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-10 endCol-10 valign-top\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-11 endCol-11 valign-top border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-12 endCol-12 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">2015 </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-left-1\" style=\"text-align:right;vertical-align:bottom;\">2,047 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right\" style=\"text-align:right;vertical-align:bottom;\">1,953 </td><td class=\"startCol-4 endCol-4 valign-top\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-8 endCol-8 valign-top\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-9 endCol-9 valign-top\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-10 endCol-10 valign-top\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-11 endCol-11 valign-top border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-12 endCol-12 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">2016 </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-left-1\" style=\"text-align:right;vertical-align:bottom;\">2,045 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right\" style=\"text-align:right;vertical-align:bottom;\">1,959 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right\" style=\"text-align:right;vertical-align:bottom;\">2,017 </td><td class=\"startCol-5 endCol-5 valign-top\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-8 endCol-8 valign-top\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-9 endCol-9 valign-top\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-10 endCol-10 valign-top\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-11 endCol-11 valign-top border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-12 endCol-12 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">2017 </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-left-1\" style=\"text-align:right;vertical-align:bottom;\">2,053 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right\" style=\"text-align:right;vertical-align:bottom;\">1,951 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right\" style=\"text-align:right;vertical-align:bottom;\">2,051 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right\" style=\"text-align:right;vertical-align:bottom;\">2,262 </td><td class=\"startCol-6 endCol-6 valign-top\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-8 endCol-8 valign-top\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-9 endCol-9 valign-top\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-10 endCol-10 valign-top\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-11 endCol-11 valign-top border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-12 endCol-12 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">2018 </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-left-1\" style=\"text-align:right;vertical-align:bottom;\">2,048 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right\" style=\"text-align:right;vertical-align:bottom;\">1,945 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right\" style=\"text-align:right;vertical-align:bottom;\">2,062 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right\" style=\"text-align:right;vertical-align:bottom;\">2,310 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right\" style=\"text-align:right;vertical-align:bottom;\">2,312 </td><td class=\"startCol-7 endCol-7 valign-top\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-8 endCol-8 valign-top\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-9 endCol-9 valign-top\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-10 endCol-10 valign-top\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-11 endCol-11 valign-top border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-12 endCol-12 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">2019 </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-left-1\" style=\"text-align:right;vertical-align:bottom;\">2,035 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right\" style=\"text-align:right;vertical-align:bottom;\">1,936 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right\" style=\"text-align:right;vertical-align:bottom;\">2,052 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right\" style=\"text-align:right;vertical-align:bottom;\">2,295 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right\" style=\"text-align:right;vertical-align:bottom;\">2,375 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right\" style=\"text-align:right;vertical-align:bottom;\">2,367 </td><td class=\"startCol-8 endCol-8 valign-top\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-9 endCol-9 valign-top\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-10 endCol-10 valign-top\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-11 endCol-11 valign-top border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-12 endCol-12 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">2020 </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-left-1\" style=\"text-align:right;vertical-align:bottom;\">2,018 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right\" style=\"text-align:right;vertical-align:bottom;\">1,911 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right\" style=\"text-align:right;vertical-align:bottom;\">2,047 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right\" style=\"text-align:right;vertical-align:bottom;\">2,314 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right\" style=\"text-align:right;vertical-align:bottom;\">2,382 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right\" style=\"text-align:right;vertical-align:bottom;\">2,445 </td><td class=\"startCol-8 endCol-8 valign-bottom align-right\" style=\"text-align:right;vertical-align:bottom;\">2,464 </td><td class=\"startCol-9 endCol-9 valign-top\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-10 endCol-10 valign-top\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-11 endCol-11 valign-top border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-12 endCol-12 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">2021 </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-left-1\" style=\"text-align:right;vertical-align:bottom;\">1,968 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right\" style=\"text-align:right;vertical-align:bottom;\">1,893 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right\" style=\"text-align:right;vertical-align:bottom;\">2,009 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right\" style=\"text-align:right;vertical-align:bottom;\">2,251 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right\" style=\"text-align:right;vertical-align:bottom;\">2,338 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right\" style=\"text-align:right;vertical-align:bottom;\">2,449 </td><td class=\"startCol-8 endCol-8 valign-bottom align-right\" style=\"text-align:right;vertical-align:bottom;\">2,510 </td><td class=\"startCol-9 endCol-9 valign-bottom align-right\" style=\"text-align:right;vertical-align:bottom;\">2,621 </td><td class=\"startCol-10 endCol-10 valign-top\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-11 endCol-11 valign-top border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-12 endCol-12 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">2022 </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1\" style=\"text-align:right;vertical-align:bottom;\">2,025 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1\" style=\"text-align:right;vertical-align:bottom;\">1,894 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1\" style=\"text-align:right;vertical-align:bottom;\">2,033 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1\" style=\"text-align:right;vertical-align:bottom;\">2,274 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1\" style=\"text-align:right;vertical-align:bottom;\">2,325 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1\" style=\"text-align:right;vertical-align:bottom;\">2,483 </td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1\" style=\"text-align:right;vertical-align:bottom;\">2,514 </td><td class=\"startCol-9 endCol-9 valign-bottom align-right border-bottom-1\" style=\"text-align:right;vertical-align:bottom;\">2,630 </td><td class=\"startCol-10 endCol-10 valign-bottom align-right border-bottom-1\" style=\"text-align:right;vertical-align:bottom;\">3,091 </td><td class=\"startCol-11 endCol-11 valign-top border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-12 endCol-12 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Estimates of undiscounted gross cumulative claims 31 December 2022 </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>2,025 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>1,894 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>2,033 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>2,274 </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>2,325 </b></td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>2,483 </b></td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>2,514 </b></td><td class=\"startCol-9 endCol-9 valign-bottom align-right border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>2,630 </b></td><td class=\"startCol-10 endCol-10 valign-bottom align-right border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>3,091 </b></td><td class=\"startCol-11 endCol-11 valign-bottom align-right border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>3,469 </b></td><td class=\"startCol-12 endCol-12 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Cumulative gross paid claims </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1\" style=\"text-align:right;vertical-align:bottom;\">1,824 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1\" style=\"text-align:right;vertical-align:bottom;\">1,712 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1\" style=\"text-align:right;vertical-align:bottom;\">1,787 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1\" style=\"text-align:right;vertical-align:bottom;\">1,971 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1\" style=\"text-align:right;vertical-align:bottom;\">1,966 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1\" style=\"text-align:right;vertical-align:bottom;\">1,986 </td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1\" style=\"text-align:right;vertical-align:bottom;\">1,928 </td><td class=\"startCol-9 endCol-9 valign-bottom align-right border-bottom-1\" style=\"text-align:right;vertical-align:bottom;\">1,920 </td><td class=\"startCol-10 endCol-10 valign-bottom align-right border-bottom-1\" style=\"text-align:right;vertical-align:bottom;\">2,116 </td><td class=\"startCol-11 endCol-11 valign-bottom align-right border-bottom-1 border-right-1\" style=\"text-align:right;vertical-align:bottom;\">1,481 </td><td class=\"startCol-12 endCol-12 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Gross liabilities claims years 2013 to 2022 </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>200 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>183 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>246 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>303 </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>359 </b></td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>497 </b></td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>585 </b></td><td class=\"startCol-9 endCol-9 valign-bottom align-right border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>710 </b></td><td class=\"startCol-10 endCol-10 valign-bottom align-right border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>976 </b></td><td class=\"startCol-11 endCol-11 valign-bottom align-right border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>1,988 </b></td><td class=\"startCol-12 endCol-12 valign-bottom align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>6,047 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Gross liabilities claims years before 2013 </td><td class=\"startCol-2 endCol-2 valign-top border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-8 endCol-8 valign-top\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-9 endCol-9 valign-top\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-10 endCol-10 valign-top\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-11 endCol-11 valign-top border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-12 endCol-12 valign-bottom align-right border-left-1\" style=\"text-align:right;vertical-align:bottom;\">988 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Effect of discounting </td><td class=\"startCol-2 endCol-2 valign-top border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-8 endCol-8 valign-top\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-9 endCol-9 valign-top\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-10 endCol-10 valign-top\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-11 endCol-11 valign-top border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-12 endCol-12 valign-bottom align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:bottom;\">-1,204 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Effect of the risk adjustment margin for non-financial risk </td><td class=\"startCol-2 endCol-2 valign-top border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-8 endCol-8 valign-top\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-9 endCol-9 valign-top\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-10 endCol-10 valign-top\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-11 endCol-11 valign-top border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-12 endCol-12 valign-bottom align-right border-left-1\" style=\"text-align:right;vertical-align:bottom;\">108 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Other </td><td class=\"startCol-2 endCol-2 valign-top border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-8 endCol-8 valign-top\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-9 endCol-9 valign-top\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-10 endCol-10 valign-top\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-11 endCol-11 valign-top border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-12 endCol-12 valign-bottom align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:bottom;\">-12 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-8 endCol-8 valign-top border-bottom-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-9 endCol-9 valign-top border-bottom-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-10 endCol-10 valign-top border-bottom-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-11 endCol-11 valign-top border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-12 endCol-12 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Gross liabilities for incurred claims </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-8 endCol-8 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-9 endCol-9 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-10 endCol-10 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-11 endCol-11 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-12 endCol-12 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>5,927 </b></td></tr></tbody></table> <br/>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfInsuranceContractsExplanatory",
    "language": "en",
    "entity": "scheme:7245000G0HS48PZWUD53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "ixv-699": {
   "value": "\n<h1 class=\"S_PARAGRAPH\" id=\"n1288783\"><span class=\"number\">7.5.13 </span><span class=\"title-text\">Insurance contract liabilities and reinsurance contract assets </span></h1>\n<p>See accounting policies <a href=\"#n1286397\" title=\"F1. Insurance contracts\">F</a>. </p>\n<h3 class=\"table-title\">Insurance and reinsurance contracts </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:37.7%;\"/><col style=\"width:15.8%;\"/><col style=\"width:15.7%;\"/><col style=\"width:15.8%;\"/><col style=\"width:15%;\"/></colgroup><thead>\n<tr style=\"border:none;\"><th class=\"startCol-1 endCol-1 valign-top headrow\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-top headrow\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-3 endCol-3 valign-bottom align-right headrow\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;border-bottom:1px solid;\"><b>Assets </b></th><th class=\"startCol-4 endCol-4 valign-top headrow\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-5 endCol-5 valign-bottom align-right headrow\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;border-bottom:1px solid;\"><b>Liabilities </b></th></tr>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>31 December 2023 </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>31 December 2022 </b></th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>31 December 2023 </b></th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>31 December 2022 </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Non-life - GMM </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">5,401 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">3,963 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Non-life - PAA </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1,803 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,751 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Non-life insurance contracts </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>7,205 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>5,713 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Life - GMM </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">56,063 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">25,900 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Life insurance contracts </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>56,063 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>25,900 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Pre-recognition cash flows </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>34 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1\" style=\"text-align:right;vertical-align:bottom;\"><b>27 </b></td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total insurance contracts </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>63,302 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>31,640 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Non-life - GMM </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">209 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">190 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Non-life - PAA </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">75 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">58 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Life - GMM </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">211 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">129 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Life - PAA </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">6 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">4 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total reinsurance contracts </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>501 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>381 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td></tr></tbody></table> <br/>\n<p>Pre-recognition cash flows consists of prepaid premiums for insurance contracts not yet recognised. </p>\n<p>The tables in the following paragraphs show the movements in insurance contract balances for the different measurement models. </p>\n<div class=\"tanPageBreak newPage\"> </div>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n1288806\"><span class=\"number\">7.5.13.1 </span><span class=\"title-text\">Non-life - GMM and PAA </span></h1>\n<div class=\"header header-1\">Non-life - GMM </div>\n<h3 class=\"table-title\">Changes in insurance contracts by remaining coverage and incurred claims current year </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:auto;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/></colgroup><thead>\n<tr style=\"border:none;\"><th class=\"startCol-1 endCol-1 valign-top headrow\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-3 valign-bottom align-right border-bottom-1 colspan-2 headrow\" colspan=\"2\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;border-bottom:1px solid;\"><b>Liabilities for remaining coverage </b></th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 headrow\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;border-bottom:1px solid;\"><b>Liabilities for incurred claims </b></th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 headrow\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;border-bottom:1px solid;\"><b>Total </b></th></tr>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Excluding loss component </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Loss component </b></th><th class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Assets </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Liabilities </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-248 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">20 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">4,191 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">3,963 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>At 1 January 2023 </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-248 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>20 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>4,191 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>3,963 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Changes in the income statement </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Insurance contract revenue of which: </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-1,686 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-1,686 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Contracts recognised from transition date and retrospective approach </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-839 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-839 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">Contracts under the modified retrospective approach </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-306 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-306 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Contracts under the fair value approach </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-541 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-541 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Insurance service expenses </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">New incurred claims and benefits </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-13 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1,392 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1,379 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Changes related to past services </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-9 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-9 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Losses and reversals of losses on onerous contracts </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">19 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>19 </b></td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Claims and benefits </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>6 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>1,383 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>1,389 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Other insurance service operating expenses </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">264 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">264 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Amortisation of insurance acquisition cash flows </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">24 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">24 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Insurance service operating expenses </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>24 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>264 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>288 </b></td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total insurance service expenses </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>24 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>6 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>1,648 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>1,677 </b></td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Insurance service result </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-1,662 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>6 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>1,648 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-9 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">Net finance expenses (income) from insurance contracts </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">22 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">173 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">196 </td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total changes in the income statement </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-1,640 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>6 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>1,821 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>187 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Cash flows </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Premiums received </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1,658 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1,658 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Insurance service expenses paid, including investment components </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-1,346 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-1,346 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Insurance acquisition cash flows </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-32 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-32 </td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total cash flows </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>1,626 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-1,346 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>280 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Changes in the composition of the group </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">972 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">972 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>At 31 December 2023 </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>710 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>26 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>4,666 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>5,401 </b></td></tr></tbody></table> <br/>\n<p>Changes in the composition of the group relates to the liabilities acquired through the acquisition of Aegon NL, see <a href=\"#n1287134\" title=\"Acquisitions\">chapter 7.4.5</a>. </p>\n<div class=\"tanPageBreak newPage\"> </div>\n<h3 class=\"table-title\">Changes in insurance contracts by remaining coverage and incurred claims prior year </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:auto;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/></colgroup><thead>\n<tr style=\"border:none;\"><th class=\"startCol-1 endCol-1 valign-top headrow\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-3 valign-bottom align-right border-bottom-1 colspan-2 headrow\" colspan=\"2\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;border-bottom:1px solid;\"><b>Liabilities for remaining coverage </b></th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 headrow\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;border-bottom:1px solid;\"><b>Liabilities for incurred claims </b></th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 headrow\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;border-bottom:1px solid;\"><b>Total </b></th></tr>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Excluding loss component </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Loss component </b></th><th class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>At 1 January 2022 </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>95 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>84 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>4,544 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>4,723 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Changes in the income statement </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Insurance contract revenue of which: </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-1,451 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-1,451 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Contracts recognised from transition date and retrospective approach </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-207 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-207 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">Contracts under the modified retrospective approach </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-252 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-252 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Contracts under the fair value approach </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-992 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-992 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Insurance service expenses </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">New incurred claims and benefits </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-80 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,093 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,013 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Changes related to past services </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">269 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">269 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Losses and reversals of losses on onerous contracts </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1\" style=\"text-align:right;vertical-align:bottom;\">15 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">15 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Claims and benefits </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-65 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,362 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,297 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Other insurance service operating expenses </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">232 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">232 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Amortisation of insurance acquisition cash flows </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">9 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">9 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Insurance service operating expenses </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>9 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>232 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>241 </b></td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total insurance service expenses </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>9 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-65 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>1,594 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>1,539 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Insurance service result </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-1,441 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-65 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>1,594 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>88 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Net finance expenses (income) from insurance contracts </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-323 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-830 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-1,152 </td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total changes in the income statement </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-1,764 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-65 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>764 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-1,064 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Cash flows </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Premiums received </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,443 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,443 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Insurance service expenses paid, including investment components </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-1,117 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-1,117 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Insurance acquisition cash flows </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-21 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-21 </td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total cash flows </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>1,422 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-1,117 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>305 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>At 31 December 2022 </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-248 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>20 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>4,191 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>3,963 </b></td></tr></tbody></table> <br/>\n<div class=\"tanPageBreak newPage\"> </div>\n<h3 class=\"table-title\">Changes in insurance contracts by measurement component current year </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:auto;\"/><col style=\"width:10%;\"/><col style=\"width:10%;\"/><col style=\"width:10%;\"/><col style=\"width:10%;\"/><col style=\"width:10%;\"/><col style=\"width:10%;\"/><col style=\"width:10%;\"/></colgroup><thead>\n<tr style=\"border:none;\"><th class=\"startCol-1 endCol-1 valign-top headrow\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 headrow\" scope=\"col\" style=\"text-align:right;vertical-align:middle;border-bottom:1px solid;\"><b>Estimates of the present value of the future cash flows </b></th><th class=\"startCol-3 endCol-3 valign-middle align-right border-bottom-1 headrow\" scope=\"col\" style=\"text-align:right;vertical-align:middle;border-bottom:1px solid;\"><b>Risk adjustment for non-financial risk </b></th><th class=\"startCol-4 endCol-4 valign-middle align-right border-bottom-1 headrow\" scope=\"col\" style=\"text-align:right;vertical-align:middle;border-bottom:1px solid;\"><b>CSM </b></th><th class=\"startCol-5 endCol-5 valign-top border-bottom-1 headrow\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-6 endCol-6 valign-top border-bottom-1 headrow\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-7 endCol-7 valign-top border-bottom-1 headrow\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 headrow\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;border-bottom:1px solid;\"><b>Total </b></th></tr>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Total </b></th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Of which, contracts recognised from transition date and retrospective approach </b></th><th class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Of which, contracts under modified approach </b></th><th class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Of which contracts under fair value approach </b></th><th class=\"startCol-8 endCol-8 valign-top border-bottom-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>At 1 January 2023 </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>3,737 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>158 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>69 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>3 </b></td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>66 </b></td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>3,963 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-8 endCol-8 valign-top border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Changes in the income statement </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-8 endCol-8 valign-top border-bottom-1 border-left-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-8 endCol-8 valign-top border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\"><b><i>Changes that relate to future services: </i></b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-8 endCol-8 valign-top border-bottom-1 border-left-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">- Changes in estimates that adjust the CSM </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-65 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">24 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">41 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">13 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">28 </td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">- Changes in estimates that result in losses or the reversal of losses on onerous contracts </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">25 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-6 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">19 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">- Effects of contracts initially recognised in the period </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-117 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">21 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">96 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">96 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-8 endCol-8 valign-top border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\"><b><i>Changes that relate to current services: </i></b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-8 endCol-8 valign-top border-bottom-1 border-left-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">- CSM recognised in profit or loss for services provided </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-70 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-57 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-13 </td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-70 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">- Release of the risk adjustment for non-financial risk </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-33 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-33 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">- Experience adjustments </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">63 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">21 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">84 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-8 endCol-8 valign-top border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\"><b><i>Changes related to past service </i></b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">3 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-11 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-right-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-left-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-9 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-8 endCol-8 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Insurance service result </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-90 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>15 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>67 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>52 </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>15 </b></td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-9 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-8 endCol-8 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Net finance expenses (income) from insurance contracts </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">187 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">4 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">5 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">5 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">196 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-8 endCol-8 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total changes in the income statement </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>96 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>19 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>71 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>56 </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>15 </b></td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>187 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-8 endCol-8 valign-top border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Cash flows </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-8 endCol-8 valign-top border-bottom-1 border-left-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Premiums received </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1,658 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1,658 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Insurance service expenses paid </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-1,346 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-1,346 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Insurance acquisition cash flows </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-32 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-32 </td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total cash flows </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>280 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>280 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-8 endCol-8 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Changes in the composition of the group </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">829 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">47 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">96 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">96 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">972 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-8 endCol-8 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>At 31 December 2023 </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>4,942 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>223 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>236 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>155 </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>81 </b></td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>5,401 </b></td></tr></tbody></table> <br/>\n<div class=\"tanPageBreak newPage\"> </div>\n<h3 class=\"table-title\">Changes in insurance contracts by measurement component prior year </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:auto;\"/><col style=\"width:10%;\"/><col style=\"width:10%;\"/><col style=\"width:10%;\"/><col style=\"width:10%;\"/><col style=\"width:10%;\"/><col style=\"width:10%;\"/><col style=\"width:10%;\"/></colgroup><thead>\n<tr style=\"border:none;\"><th class=\"startCol-1 endCol-1 valign-top headrow\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 headrow\" scope=\"col\" style=\"text-align:right;vertical-align:middle;border-bottom:1px solid;\"><b>Estimates of the present value of the future cash flows </b></th><th class=\"startCol-3 endCol-3 valign-middle align-right border-bottom-1 headrow\" scope=\"col\" style=\"text-align:right;vertical-align:middle;border-bottom:1px solid;\"><b>Risk adjustment for non-financial risk </b></th><th class=\"startCol-4 endCol-4 valign-middle align-right border-bottom-1 headrow\" scope=\"col\" style=\"text-align:right;vertical-align:middle;border-bottom:1px solid;\"><b>CSM </b></th><th class=\"startCol-5 endCol-5 valign-top border-bottom-1 headrow\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-6 endCol-6 valign-top border-bottom-1 headrow\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-7 endCol-7 valign-top border-bottom-1 headrow\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 headrow\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;border-bottom:1px solid;\"><b>Total </b></th></tr>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Total </b></th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Of which, contracts recognised from transition date and retrospective approach </b></th><th class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Of which, contracts under modified approach </b></th><th class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Of which contracts under fair value approach </b></th><th class=\"startCol-8 endCol-8 valign-top border-bottom-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>At 1 January 2022 </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>4,415 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>218 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>90 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>90 </b></td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>4,723 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-8 endCol-8 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Changes in the income statement </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-8 endCol-8 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-8 endCol-8 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\"><b><i>Changes that relate to future services: </i></b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-8 endCol-8 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">- Changes in estimates that adjust the CSM </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-4 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">7 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-3 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">9 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-12 </td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">- Changes in estimates that result in losses or the reversal of losses on onerous contracts </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">37 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-29 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">7 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">- Effects of contracts initially recognised in the period </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-43 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">44 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">7 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">7 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">8 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-8 endCol-8 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\"><b><i>Changes that relate to current services: </i></b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-8 endCol-8 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">- CSM recognised in profit or loss for services provided </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-24 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-12 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-12 </td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-24 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">- Release of the risk adjustment for non-financial risk </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-27 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-27 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">- Experience adjustments </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-161 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">16 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-145 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-8 endCol-8 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\"><b><i>Changes related to past service </i></b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1\" style=\"text-align:right;vertical-align:bottom;\">263 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1\" style=\"text-align:right;vertical-align:bottom;\">6 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-left-1\" style=\"text-align:right;vertical-align:bottom;\">269 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-8 endCol-8 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Insurance service result </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>91 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>18 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-21 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>4 </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-24 </b></td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>88 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-8 endCol-8 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Net finance expenses (income) from insurance contracts </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-1,074 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-78 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-1,152 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-8 endCol-8 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total changes in the income statement </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-983 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-61 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-21 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>4 </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-24 </b></td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-1,064 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-8 endCol-8 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Cash flows </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-8 endCol-8 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Premiums received </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,443 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,443 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Insurance service expenses paid </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-1,117 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-1,117 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Insurance acquisition cash flows </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-21 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-21 </td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total cash flows </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>305 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>305 </b></td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-8 endCol-8 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>At 31 December 2022 </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>3,737 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>158 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>69 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>3 </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>66 </b></td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>3,963 </b></td></tr></tbody></table> <br/>\n<h3 class=\"table-title\">Changes in reinsurance contracts by remaining coverage and incurred claims current year </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:auto;\"/><col style=\"width:20%;\"/><col style=\"width:20%;\"/><col style=\"width:20%;\"/></colgroup><thead>\n<tr style=\"border:none;\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-top-1 headrow\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-middle align-center border-bottom-1 border-top-1 headrow\" scope=\"col\" style=\"text-align:center;vertical-align:middle;border-bottom:1px solid;\"><b>Assets for remaining coverage </b></th><th class=\"startCol-3 endCol-3 valign-middle align-center border-bottom-1 border-top-1 headrow\" scope=\"col\" style=\"text-align:center;vertical-align:middle;border-bottom:1px solid;\"><b>Assets for incurred claims </b></th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 headrow\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;border-bottom:1px solid;\"><b>Total </b></th></tr>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;\"><b>2023 </b></th><th class=\"startCol-2 endCol-2 valign-bottom align-left border-bottom-1 border-left-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;\"><b>Excluding loss recovery component </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-left border-bottom-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;\">\u00a0</th><th class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>At 1 January </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-1 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>191 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>190 </b></td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Changes in the income statement: </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Allocation of reinsurance premiums paid </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-17 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-17 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">Amounts recoverable from reinsurers </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">15 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">15 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Changes in amounts recoverable arising from changes in assets for incurred claims </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-9 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-9 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Net expenses from reinsurance contracts </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-17 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>7 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-10 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Net finance income from reinsurance contracts </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">6 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">8 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total changes in the income statement </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-15 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>13 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-2 </b></td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Cash flows: </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">Premiums paid </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">14 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">14 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Insurance service expenses recovered from reinsurance contracts </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-77 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-77 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total cash flows </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>14 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-77 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-64 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">Changes in the composition of the group </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">85 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">85 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>At 31 December </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>82 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>127 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>209 </b></td></tr></tbody></table> <br/>\n<h3 class=\"table-title\">Changes in reinsurance contracts by remaining coverage and incurred claims prior year </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:auto;\"/><col style=\"width:20%;\"/><col style=\"width:20%;\"/><col style=\"width:20%;\"/></colgroup><thead>\n<tr style=\"border:none;\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-top-1 headrow\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-middle align-center border-bottom-1 border-top-1 headrow\" scope=\"col\" style=\"text-align:center;vertical-align:middle;border-bottom:1px solid;\"><b>Assets for remaining coverage </b></th><th class=\"startCol-3 endCol-3 valign-middle align-center border-bottom-1 border-top-1 headrow\" scope=\"col\" style=\"text-align:center;vertical-align:middle;border-bottom:1px solid;\"><b>Assets for incurred claims </b></th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 headrow\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;border-bottom:1px solid;\"><b>Total </b></th></tr>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;\"><b>2022 </b></th><th class=\"startCol-2 endCol-2 valign-bottom align-left border-bottom-1 border-left-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;\"><b>Excluding loss recovery component </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-left border-bottom-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;\">\u00a0</th><th class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>At 1 January </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-2 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>299 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>297 </b></td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Changes in the income statement: </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Allocation of reinsurance premiums paid </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-21 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-21 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">Amounts recoverable from reinsurers </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">3 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">3 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Changes in amounts recoverable arising from changes in assets for incurred claims </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">16 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">16 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Net expenses from reinsurance contracts </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-21 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>20 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-2 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Net finance income from reinsurance contracts </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-22 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-21 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total changes in the income statement </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-20 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-2 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-23 </b></td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Cash flows: </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">Premiums paid </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">21 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">21 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Insurance service expenses recovered from reinsurance contracts </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-105 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-105 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total cash flows </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>21 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-105 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-84 </b></td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>At 31 December </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-1 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>191 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>190 </b></td></tr></tbody></table> <br/>\n<div class=\"tanPageBreak newPage\"> </div>\n<h3 class=\"table-title\">Changes in reinsurance contracts by measurement component current year </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:auto;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/></colgroup><thead>\n<tr style=\"border:none;\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-top-1 headrow\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-middle align-center border-bottom-1 border-top-1 headrow\" scope=\"col\" style=\"text-align:center;vertical-align:middle;border-bottom:1px solid;\"><b>Estimates of the present value of the future cash flows </b></th><th class=\"startCol-3 endCol-3 valign-middle align-center border-bottom-1 border-top-1 headrow\" scope=\"col\" style=\"text-align:center;vertical-align:middle;border-bottom:1px solid;\"><b>Risk adjustment for non-financial risk </b></th><th class=\"startCol-4 endCol-6 valign-middle align-left border-bottom-1 border-top-1 colspan-3 headrow\" colspan=\"3\" scope=\"col\" style=\"text-align:left;vertical-align:middle;border-bottom:1px solid;\"><b>CSM </b></th><th class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-top-1 headrow\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;border-bottom:1px solid;\"><b>Total </b></th></tr>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;\"><b>2023 </b></th><th class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Total </b></th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Of which, contracts recognised from transition date and retrospective approach </b></th><th class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Of which, contracts under fair value approach </b></th><th class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-left-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>At 1 January </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>190 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>1 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>190 </b></td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Changes in the income statement: </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-left-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b><i>Changes that relate to future services </i></b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-left-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">- Changes in estimates that adjust the CSM </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-1 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-1 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-1 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">- Effects of contracts initially recognised in the period </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-1 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-1 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b><i>Changes that relate to current services: </i></b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">- CSM recognised in the income statement for services received </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-1 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">- Release of the risk adjustment for non-financial risk </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-2 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-2 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">- Experience adjustments </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b><i>Changes relate to past service </i></b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-8 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-1 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-9 </b></td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Net expenses from reinsurance contracts </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-7 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-2 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-2 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-1 </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-1 </b></td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-10 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Net finance income from reinsurance contracts </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">8 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">8 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total changes in the income statement </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>1 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-1 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-1 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-1 </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-1 </b></td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-2 </b></td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Cash flows: </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-left-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Premiums paid </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">14 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">14 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Insurance service expenses recovered from reinsurance contracts </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-77 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-77 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total cash flows </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-64 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-64 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Changes in the composition of the group </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">62 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">7 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">16 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">16 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">85 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>At 31 December </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>189 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>7 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>14 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>14 </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>209 </b></td></tr></tbody></table> <br/>\n<div class=\"tanPageBreak newPage\"> </div>\n<h3 class=\"table-title\">Changes in reinsurance contracts by measurement component prior year </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:auto;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/></colgroup><thead>\n<tr style=\"border:none;\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-top-1 headrow\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-middle align-center border-bottom-1 border-top-1 headrow\" scope=\"col\" style=\"text-align:center;vertical-align:middle;border-bottom:1px solid;\"><b>Estimates of the present value of the future cash flows </b></th><th class=\"startCol-3 endCol-3 valign-middle align-center border-bottom-1 border-top-1 headrow\" scope=\"col\" style=\"text-align:center;vertical-align:middle;border-bottom:1px solid;\"><b>Risk adjustment for non-financial risk </b></th><th class=\"startCol-4 endCol-6 valign-middle align-left border-bottom-1 border-top-1 colspan-3 headrow\" colspan=\"3\" scope=\"col\" style=\"text-align:left;vertical-align:middle;border-bottom:1px solid;\"><b>CSM </b></th><th class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-top-1 headrow\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;border-bottom:1px solid;\"><b>Total </b></th></tr>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-left-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;\"><b>2022 </b></th><th class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Total </b></th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Of which, contracts recognised from transition date and retrospective approach </b></th><th class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Of which, contracts under fair value approach </b></th><th class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-left-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>At 1 January </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>297 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>297 </b></td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Changes in the income statement: </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b><i>Changes that relate to future services </i></b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">- Changes in estimates that adjust the CSM </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-2 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">- Effects of contracts initially recognised in the period </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">7 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-7 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-7 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b><i>Changes that relate to current services: </i></b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">- CSM recognised in the income statement for services received </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">4 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">5 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-1 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">4 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">- Release of the risk adjustment for non-financial risk </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-5 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-5 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">- Experience adjustments </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-17 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-17 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b><i>Changes relate to past service </i></b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1\" style=\"text-align:right;vertical-align:bottom;\"><b>16 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1\" style=\"text-align:right;vertical-align:bottom;\"><b>16 </b></td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Net expenses from reinsurance contracts </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-1 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-1 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-1 </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-1 </b></td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-2 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Net finance income from reinsurance contracts </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-22 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-21 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total changes in the income statement </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-23 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>1 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-1 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-1 </b></td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-23 </b></td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Cash flows: </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Premiums paid </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">21 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">21 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Insurance service expenses recovered from reinsurance contracts </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-105 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-105 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total cash flows </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-84 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-84 </b></td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>At 31 December </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>190 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>1 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>190 </b></td></tr></tbody></table> <br/>\n<div class=\"tanPageBreak newPage\"> </div>\n<div class=\"header header-1\">Non-life PAA </div>\n<h3 class=\"table-title\">Changes in insurance contracts by remaining coverage and incurred claims current year </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:auto;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/></colgroup><thead>\n<tr style=\"border:none;\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-left-1 border-right-1 headrow\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-3 valign-bottom align-center border-bottom-1 border-left-1 border-right-1 colspan-2 headrow\" colspan=\"2\" scope=\"col\" style=\"text-align:center;vertical-align:bottom;border-bottom:1px solid;\"><b>Liabilities for remaining coverage </b></th><th class=\"startCol-4 endCol-5 valign-bottom align-center border-bottom-1 border-left-1 border-right-1 colspan-2 headrow\" colspan=\"2\" scope=\"col\" style=\"text-align:center;vertical-align:bottom;border-bottom:1px solid;\"><b>Liabilities for incurred claims </b></th><th class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 headrow\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;border-bottom:1px solid;\"><b>Total </b></th></tr>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Excluding loss component </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Loss component </b></th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Estimates of the present value of the future cash flows </b></th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Risk adjustment for non-financial risk </b></th><th class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>At 1 January 2023 </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>5 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>9 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>1,682 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>55 </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>1,751 </b></td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-left-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Changes in the income statement </b></td><td class=\"startCol-2 endCol-2 valign-top border-left-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-left-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Insurance contract revenue </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-3,693 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-3,693 </b></td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Insurance service expenses </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">New incurred claims and benefits </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-18 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,844 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">21 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,847 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Changes related to past services </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">29 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-10 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">18 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Losses and reversals of losses on onerous contracts </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">12 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">12 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Claims and benefits </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-6 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>2,873 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>11 </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>2,877 </b></td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Insurance service operating expenses </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>682 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>682 </b></td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total insurance service expenses </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-6 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>3,555 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>11 </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>3,559 </b></td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Insurance service result </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-3,693 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-6 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>3,555 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>11 </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-133 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Net finance expenses from insurance contracts </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">55 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">3 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">57 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total changes in the income statement </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-3,693 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-6 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>3,610 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>13 </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-76 </b></td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Cash flows </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Premiums received </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">3,443 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">3,443 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Insurance service expenses paid </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-487 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-2,841 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-3,328 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total cash flows </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>2,956 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-2,841 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>115 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Changes in the composition of the group </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">14 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">14 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Transfer prepaid insurance service expenses from LRC to LIC </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">476 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-476 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>At 31 December 2023 </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-242 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>3 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>1,975 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>68 </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>1,804 </b></td></tr></tbody></table> <br/>\n<p>Changes in the composition of the group relates to the liabilities acquired through the acquisition of Aegon NL, see <a href=\"#n1287134\" title=\"Acquisitions\">chapter 7.4.5</a>. </p>\n<h3 class=\"table-title\">Changes in insurance contracts by remaining coverage and incurred claims prior year </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:auto;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/></colgroup><thead>\n<tr style=\"border:none;\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-left-1 border-right-1 headrow\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-3 valign-bottom align-center border-bottom-1 border-left-1 border-right-1 colspan-2 headrow\" colspan=\"2\" scope=\"col\" style=\"text-align:center;vertical-align:bottom;border-bottom:1px solid;\"><b>Liabilities for remaining coverage </b></th><th class=\"startCol-4 endCol-5 valign-bottom align-center border-bottom-1 border-left-1 border-right-1 colspan-2 headrow\" colspan=\"2\" scope=\"col\" style=\"text-align:center;vertical-align:bottom;border-bottom:1px solid;\"><b>Liabilities for incurred claims </b></th><th class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 headrow\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;border-bottom:1px solid;\"><b>Total </b></th></tr>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Excluding loss component </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Loss component </b></th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Estimates of the present value of the future cash flows </b></th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Risk adjustment for non-financial risk </b></th><th class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>At 1 January 2022 </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-93 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>2 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>1,803 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>67 </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>1,778 </b></td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Changes in the income statement </b></td><td class=\"startCol-2 endCol-2 valign-top border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Insurance contract revenue </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1\" style=\"text-align:right;vertical-align:bottom;\">-2,792 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1\" style=\"text-align:right;vertical-align:bottom;\">-2,792 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Insurance service expenses </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">New incurred claims and benefits </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-2 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2,011 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">18 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2,028 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Changes related to past services </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">34 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-30 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">3 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Losses and reversals of losses on onerous contracts </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1\" style=\"text-align:right;vertical-align:bottom;\">9 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1\" style=\"text-align:right;vertical-align:bottom;\">9 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Claims and benefits </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>8 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>2,044 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-12 </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>2,040 </b></td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Insurance service operating expenses </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>628 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>628 </b></td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total insurance service expenses </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>8 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>2,673 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-12 </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>2,669 </b></td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Insurance service result </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-2,792 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>8 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>2,673 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-12 </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-123 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Net finance expenses from insurance contracts </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-136 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-136 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total changes in the income statement </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-2,792 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>8 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>2,537 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-12 </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-259 </b></td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Cash flows </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Premiums received </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2,879 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2,879 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Insurance service expenses paid </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-430 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-2,218 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-2,648 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total cash flows </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>2,450 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-2,218 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>232 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Transfer prepaid insurance service expenses from LRC to LIC </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">440 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-440 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>At 31 December 2022 </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>5 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>9 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>1,682 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>55 </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>1,751 </b></td></tr></tbody></table> <br/>\n<h3 class=\"table-title\">Changes in reinsurance contracts by remaining coverage and incurred claims current year </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:auto;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/></colgroup><thead>\n<tr style=\"border:none;\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 headrow\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-3 valign-middle align-center border-bottom-1 colspan-2 headrow\" colspan=\"2\" scope=\"col\" style=\"text-align:center;vertical-align:middle;border-bottom:1px solid;\"><b>Assets for remaining coverage </b></th><th class=\"startCol-4 endCol-5 valign-middle align-center border-bottom-1 colspan-2 headrow\" colspan=\"2\" scope=\"col\" style=\"text-align:center;vertical-align:middle;border-bottom:1px solid;\"><b>Assets for incurred claims </b></th><th class=\"startCol-6 endCol-6 valign-middle align-right border-bottom-1 headrow\" scope=\"col\" style=\"text-align:right;vertical-align:middle;border-bottom:1px solid;\"><b>Total </b></th></tr>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-left-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;\"><b>2023 </b></th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Excluding loss recovery component </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Loss recovery component </b></th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Estimates of the present value of the future cash flows </b></th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Risk adjustment for non-financial risk </b></th><th class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>At 1 January </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>3 </b></td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>53 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>2 </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>58 </b></td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Changes in the income statement </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Allocation of reinsurance premiums paid </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-105 </td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-105 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Amounts recoverable from reinsurers </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">61 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">61 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Adjustments to assets for incurred claims </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">42 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">42 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Net expenses from reinsurance contracts </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-105 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>103 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>1 </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-2 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Net finance income from reinsurance contracts </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total changes in the income statement </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-105 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>105 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>1 </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Cash flows </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Premiums paid </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">108 </td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">108 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Insurance service expenses recovered from reinsurance contracts </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-90 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-90 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total cash flows </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>108 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-90 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>18 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Changes in the composition of the group </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-1 </td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-1 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>At 31 December </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>4 </b></td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>68 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>3 </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>75 </b></td></tr></tbody></table> <br/>\n<h3 class=\"table-title\">Changes in reinsurance contracts by remaining coverage and incurred claims prior year </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:auto;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/></colgroup><thead>\n<tr style=\"border:none;\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 headrow\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-3 valign-middle align-center border-bottom-1 colspan-2 headrow\" colspan=\"2\" scope=\"col\" style=\"text-align:center;vertical-align:middle;border-bottom:1px solid;\"><b>Assets for remaining coverage </b></th><th class=\"startCol-4 endCol-5 valign-middle align-center border-bottom-1 colspan-2 headrow\" colspan=\"2\" scope=\"col\" style=\"text-align:center;vertical-align:middle;border-bottom:1px solid;\"><b>Assets for incurred claims </b></th><th class=\"startCol-6 endCol-6 valign-middle align-right border-bottom-1 headrow\" scope=\"col\" style=\"text-align:right;vertical-align:middle;border-bottom:1px solid;\"><b>Total </b></th></tr>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-left-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;\"><b>2022 </b></th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Excluding loss recovery component </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Loss recovery component </b></th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Estimates of the present value of the future cash flows </b></th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Risk adjustment for non-financial risk </b></th><th class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>At 1 January </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>6 </b></td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>27 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>2 </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>35 </b></td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Changes in the income statement </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Allocation of reinsurance premiums paid </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-71 </td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-71 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Amounts recoverable from reinsurers </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">48 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">48 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Adjustments to assets for incurred claims </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">7 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-1 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">6 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Net expenses from reinsurance contracts </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-71 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>55 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-1 </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-16 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Net finance income from reinsurance contracts </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-5 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-5 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total changes in the income statement </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-71 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>50 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-1 </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-21 </b></td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Cash flows </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Premiums paid </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">68 </td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">68 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Insurance service expenses recovered from reinsurance contracts </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-24 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-24 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total cash flows </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>68 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-24 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>44 </b></td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>At 31 December </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>3 </b></td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>53 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>2 </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>58 </b></td></tr></tbody></table> <br/>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n1288830\"><span class=\"number\">7.5.13.2 </span><span class=\"title-text\">Life - GMM </span></h1>\n<h3 class=\"table-title\">Changes in insurance contracts by remaining coverage and incurred claims current year </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:auto;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/></colgroup><thead>\n<tr style=\"border:none;\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 headrow\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-3 valign-bottom align-right border-bottom-1 colspan-2 headrow\" colspan=\"2\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;border-bottom:1px solid;\"><b>Liabilities for remaining coverage </b></th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 headrow\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;border-bottom:1px solid;\"><b>Liabilities for incurred claims </b></th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 headrow\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;border-bottom:1px solid;\"><b>Total </b></th></tr>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Excluding loss component </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Loss component </b></th><th class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>At 1 January 2023 </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>25,549 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>210 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>141 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>25,900 </b></td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Changes in the income statement </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Insurance contract revenue of which: </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-2,113 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-2,113 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Contracts recognised from transition date and retrospective approach </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-1,148 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-1,148 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Contracts under the fair value approach </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-965 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-965 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Insurance service expenses </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">New incurred claims and benefits </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-32 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1,744 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1,712 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Losses and reversals of losses on onerous contracts </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">41 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">41 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Claims and benefits </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>9 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>1,744 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>1,753 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Other insurance service operating expenses </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">132 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">132 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Amortisation of insurance acquisition cash flows </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Insurance service operating expenses </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>2 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>132 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>134 </b></td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total insurance service expenses </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>2 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>9 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>1,875 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>1,887 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Investment components </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-619 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">619 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Insurance service result </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-2,730 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>9 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>2,495 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-226 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Net finance expenses (income) from insurance contracts </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,415 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,416 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total changes in the income statement </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-315 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>10 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>2,495 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>2,190 </b></td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Cash flows </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Premiums received </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">927 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">927 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Insurance service expenses paid, including investment components </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-4 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-2,501 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-2,505 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Insurance acquisition cash flows </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-3 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-3 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total cash flows </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>920 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-2,501 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-1,581 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Changes in the composition of the group </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">29,552 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">29,553 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>At 31 December 2023 </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>55,707 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>220 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>136 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>56,063 </b></td></tr></tbody></table> <br/>\n<p>Changes in the composition of the group relates to the liabilities acquired through the acquisition of Aegon NL, see chapter <a href=\"#n1287134\" title=\"Acquisitions\">7.4.5</a>. </p>\n<h3 class=\"table-title\">Changes in insurance contracts by remaining coverage and incurred claims prior year </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:auto;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/></colgroup><thead>\n<tr style=\"border:none;\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 headrow\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-3 valign-bottom align-right border-bottom-1 colspan-2 headrow\" colspan=\"2\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;border-bottom:1px solid;\"><b>Liabilities for remaining coverage </b></th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 headrow\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;border-bottom:1px solid;\"><b>Liabilities for incurred claims </b></th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 headrow\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;border-bottom:1px solid;\"><b>Total </b></th></tr>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Excluding loss component </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Loss component </b></th><th class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>At 1 January 2022 </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>35,259 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>29 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>182 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>35,470 </b></td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Changes in the income statement </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Insurance contract revenue of which: </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-1,249 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-1,249 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Contracts recognised from transition date and retrospective approach </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-270 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-270 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Contracts under the fair value approach </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-979 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-979 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Insurance service expenses </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">New incurred claims and benefits </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-58 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">982 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">923 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Losses and reversals of losses on onerous contracts </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">239 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">239 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Incurred claims and benefits </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>180 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>982 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>1,162 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Other insurance service operating expenses </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">64 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">64 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Amortisation of insurance acquisition cash flows </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Insurance service operating expenses </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>2 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>64 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>65 </b></td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total insurance service expenses </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>2 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>180 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>1,046 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>1,228 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Investment components </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-659 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">659 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Insurance service result </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-1,907 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>180 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>1,705 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-22 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Net finance expenses (income) from insurance contracts </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-8,498 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-8,498 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total changes in the income statement </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-10,405 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>181 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>1,705 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-8,519 </b></td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Cash flows </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Premiums received </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">702 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">702 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Insurance service expenses paid, including investment components </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-1,746 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-1,746 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Insurance acquisition cash flows </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-2 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-2 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total cash flows </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>700 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-1,746 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-1,046 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Other </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-5 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-5 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>At 31 December 2022 </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>25,549 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>210 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>141 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>25,900 </b></td></tr></tbody></table> <br/>\n<p>For the Life segment the LRC includes the incurred claims from certain second order events (for example from future premium waiver at disability or incurred survivor benefits) following the option to account for these events as part of the LRC. </p>\n<h3 class=\"table-title\">Changes in insurance contracts by measurement component current year </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:auto;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/></colgroup><thead>\n<tr style=\"border:none;\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 headrow\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 headrow\" scope=\"col\" style=\"text-align:right;vertical-align:middle;border-bottom:1px solid;\"><b>Estimates of the present value of the future cash flows </b></th><th class=\"startCol-3 endCol-3 valign-middle align-right border-bottom-1 headrow\" scope=\"col\" style=\"text-align:right;vertical-align:middle;border-bottom:1px solid;\"><b>Risk adjustment for non-financial risk </b></th><th class=\"startCol-4 endCol-6 valign-middle align-left border-bottom-1 colspan-3 headrow\" colspan=\"3\" scope=\"col\" style=\"text-align:left;vertical-align:middle;border-bottom:1px solid;\"><b>CSM </b></th><th class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 headrow\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;border-bottom:1px solid;\"><b>Total </b></th></tr>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Total </b></th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Of which, contracts recognised from transition date and retrospective approach </b></th><th class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Of which, contracts under fair value approach </b></th><th class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>At 1 January 2023 </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>23,339 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>963 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>1,598 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>1,049 </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>549 </b></td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>25,900 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Changes in the income statement </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-left-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\"><b><i>Changes that relate to future services: </i></b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-left-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">- Changes in estimates that adjust the CSM </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-194 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">168 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">25 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-12 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">37 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">- Changes in estimates that result in losses or the reversal of losses on onerous contracts </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">38 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-8 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">30 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">- Effects of contracts initially recognised in the period </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-91 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">27 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">76 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">76 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">11 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\"><b><i>Changes that relate to current services: </i></b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-left-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">- CSM recognised in profit or loss for services provided </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-145 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-104 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-41 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-145 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">- Release of the risk adjustment for non-financial risk </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-103 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-103 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">- Experience adjustments </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-19 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-19 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Insurance service result </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-266 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>84 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-44 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-40 </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-3 </b></td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-226 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Net finance expenses (income) from insurance contracts </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,391 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-45 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">71 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">71 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,416 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total changes in the income statement </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>2,125 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>39 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>27 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>30 </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-3 </b></td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>2,190 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Cash flows </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-left-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Premiums received </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">927 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">927 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Insurance service expenses paid </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-2,505 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-2,505 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Insurance acquisition cash flows </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-3 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-3 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total cash flows </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-1,581 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-1,581 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Changes in the composition of the group </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">26,430 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1,080 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,043 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,043 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">29,553 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>At 31 December 2023 </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>50,313 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>2,082 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>3,668 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>3,122 </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>545 </b></td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>56,063 </b></td></tr></tbody></table> <br/>\n<h3 class=\"table-title\">Changes in insurance contracts by measurement component prior year </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:auto;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/></colgroup><thead>\n<tr style=\"border:none;\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 headrow\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 headrow\" scope=\"col\" style=\"text-align:right;vertical-align:middle;border-bottom:1px solid;\"><b>Estimates of the present value of the future cash flows </b></th><th class=\"startCol-3 endCol-3 valign-middle align-right border-bottom-1 border-right-1 headrow\" scope=\"col\" style=\"text-align:right;vertical-align:middle;border-bottom:1px solid;\"><b>Risk adjustment for non-financial risk </b></th><th class=\"startCol-4 endCol-6 valign-middle align-left border-bottom-1 border-left-1 colspan-3 headrow\" colspan=\"3\" scope=\"col\" style=\"text-align:left;vertical-align:middle;border-bottom:1px solid;\"><b>CSM </b></th><th class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 headrow\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;border-bottom:1px solid;\"><b>Total </b></th></tr>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Total </b></th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Of which, contracts recognised from transition date and retrospective approach </b></th><th class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Of which, contracts under fair value approach </b></th><th class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>At 1 January 2022 </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>32,288 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>1,384 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>1,799 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>1,132 </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>667 </b></td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>35,470 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Changes in the income statement </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\"><b><i>Changes that relate to future services: </i></b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">- Changes in estimates that adjust the CSM </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">430 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-221 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-209 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-134 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-75 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">- Changes in estimates that result in losses or the reversal of losses on onerous contracts </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">24 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">193 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">218 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">- Effects of contracts initially recognised in the period </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-77 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">34 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">65 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">65 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">21 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\"><b><i>Changes that relate to current services: </i></b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">- CSM recognised in profit or loss for services provided </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-75 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-34 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-41 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-75 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">- Release of the risk adjustment for non-financial risk </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-96 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-96 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">- Experience adjustments </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-89 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-89 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Insurance service result </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>288 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-90 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-220 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-103 </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-117 </b></td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-22 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Net finance expenses (income) from insurance contracts </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-8,186 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-331 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">19 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">20 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-1 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-8,498 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total changes in the income statement </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-7,898 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-421 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-201 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-83 </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-118 </b></td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-8,519 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Cash flows </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Premiums received </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">702 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">702 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Insurance service expenses paid </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-1,746 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-1,746 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Insurance acquisition cash flows </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-2 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-2 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total cash flows </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-1,046 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-1,046 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Other </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-5 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-5 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>At 31 December 2022 </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>23,339 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>963 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>1,598 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>1,049 </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>549 </b></td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>25,900 </b></td></tr></tbody></table> <br/>\n<div class=\"tanPageBreak newPage\"> </div>\n<h3 class=\"table-title\">Changes in reinsurance contracts by remaining coverage and incurred claims </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:auto;\"/><col style=\"width:20%;\"/><col style=\"width:20%;\"/><col style=\"width:20%;\"/></colgroup><thead>\n<tr style=\"border:none;\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-top-1 headrow\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-middle align-center border-bottom-1 border-top-1 headrow\" scope=\"col\" style=\"text-align:center;vertical-align:middle;border-bottom:1px solid;\"><b>Assets for remaining coverage </b></th><th class=\"startCol-3 endCol-3 valign-middle align-center border-bottom-1 border-top-1 headrow\" scope=\"col\" style=\"text-align:center;vertical-align:middle;border-bottom:1px solid;\"><b>Assets for incurred claims </b></th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 headrow\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;border-bottom:1px solid;\"><b>Total </b></th></tr>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;\"><b>2023 </b></th><th class=\"startCol-2 endCol-2 valign-bottom align-left border-bottom-1 border-left-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;\"><b>Excluding loss recovery component </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-left border-bottom-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;\">\u00a0</th><th class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>At 1 January </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>130 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-1 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>129 </b></td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Changes in the income statement: </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Allocation of reinsurance premiums paid </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-440 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-440 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">Amounts recoverable from reinsurers </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">423 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">423 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Changes in amounts recoverable arising from changes in assets for incurred claims </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Net expenses from reinsurance contracts </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-440 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>423 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-17 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Net finance income from reinsurance contracts </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-16 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-16 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total changes in the income statement </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-456 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>423 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-33 </b></td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Cash flows: </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">Premiums paid </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">437 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">437 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Insurance service expenses recovered from reinsurance contracts </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-423 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-423 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total cash flows </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>437 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-423 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>14 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">Changes in the composition of the group </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">102 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">102 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>At 31 December </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>213 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-1 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>211 </b></td></tr></tbody></table> <br/>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:auto;\"/><col style=\"width:20%;\"/><col style=\"width:20%;\"/><col style=\"width:20%;\"/></colgroup><thead>\n<tr style=\"border:none;\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-top-1 headrow\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-middle align-center border-bottom-1 border-top-1 headrow\" scope=\"col\" style=\"text-align:center;vertical-align:middle;border-bottom:1px solid;\"><b>Assets for remaining coverage </b></th><th class=\"startCol-3 endCol-3 valign-middle align-center border-bottom-1 border-top-1 headrow\" scope=\"col\" style=\"text-align:center;vertical-align:middle;border-bottom:1px solid;\"><b>Assets for incurred claims </b></th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 headrow\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;border-bottom:1px solid;\"><b>Total </b></th></tr>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;\"><b>2022 </b></th><th class=\"startCol-2 endCol-2 valign-bottom align-left border-bottom-1 border-left-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;\"><b>Excluding loss recovery component </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-left border-bottom-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;\">\u00a0</th><th class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>At 1 January </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>188 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-2 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>186 </b></td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Changes in the income statement: </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Allocation of reinsurance premiums paid </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-17 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-17 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">Amounts recoverable from reinsurers </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">12 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">12 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Changes in amounts recoverable arising from changes in assets for incurred claims </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Net expenses from reinsurance contracts </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-17 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>12 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-5 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Net finance income from reinsurance contracts </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-41 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-41 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total changes in the income statement </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-58 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>12 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-46 </b></td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Cash flows: </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Insurance service expenses recovered from reinsurance contracts </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-11 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-11 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total cash flows </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-11 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-11 </b></td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>At 31 December </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>130 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-1 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>129 </b></td></tr></tbody></table> <br/>\n<div class=\"tanPageBreak newPage\"> </div>\n<h3 class=\"table-title\">Changes in reinsurance contracts by measurement component </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:auto;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/></colgroup><thead>\n<tr style=\"border:none;\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-top-1 headrow\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-middle align-center border-bottom-1 border-top-1 headrow\" scope=\"col\" style=\"text-align:center;vertical-align:middle;border-bottom:1px solid;\"><b>Estimates of the present value of the future cash flows </b></th><th class=\"startCol-3 endCol-3 valign-middle align-center border-bottom-1 border-top-1 headrow\" scope=\"col\" style=\"text-align:center;vertical-align:middle;border-bottom:1px solid;\"><b>Risk adjustment for non-financial risk </b></th><th class=\"startCol-4 endCol-6 valign-middle align-left border-bottom-1 border-top-1 colspan-3 headrow\" colspan=\"3\" scope=\"col\" style=\"text-align:left;vertical-align:middle;border-bottom:1px solid;\"><b>CSM </b></th><th class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-top-1 headrow\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;border-bottom:1px solid;\"><b>Total </b></th></tr>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;\"><b>2023 </b></th><th class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Total </b></th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Of which, contracts recognised from transition date and retrospective approach </b></th><th class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Of which, contracts under fair value approach </b></th><th class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-left-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>At 1 January </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>120 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>8 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>2 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>2 </b></td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>129 </b></td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Changes in the income statement: </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-left-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b><i>Changes that relate to future services </i></b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-left-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">- Changes in estimates that adjust the CSM </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-25 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">56 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-31 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-35 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">4 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b><i>Changes that relate to current services: </i></b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">- CSM recognised in the income statement for services received </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-1 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-1 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">- Release of the risk adjustment for non-financial risk </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-11 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-11 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">- Experience adjustments </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-5 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-5 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Net expenses from reinsurance contracts </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-30 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>45 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-32 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-35 </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>4 </b></td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-17 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Net finance income from reinsurance contracts </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-17 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-1 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-16 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total changes in the income statement </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-47 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>45 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-30 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-35 </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>6 </b></td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-33 </b></td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Cash flows: </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-left-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Premiums paid </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">437 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">437 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Insurance service expenses recovered from reinsurance contracts </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-423 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-423 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total cash flows </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>14 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>14 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Changes in the composition of the group </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-413 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">426 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">90 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">90 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">102 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>At 31 December </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-328 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>478 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>61 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>55 </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>7 </b></td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>211 </b></td></tr></tbody></table> <br/>\n<p>Changes in the composition of the group relates to the liabilities acquired through the acquisition of Aegon NL, see chapter <a href=\"#n1287134\" title=\"Acquisitions\">7.4.5</a>. </p>\n<div class=\"tanPageBreak newPage\"> </div>\n<h3 class=\"table-title\">Changes in reinsurance contracts by measurement component </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:auto;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/></colgroup><thead>\n<tr style=\"border:none;\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-top-1 headrow\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-middle align-center border-bottom-1 border-top-1 headrow\" scope=\"col\" style=\"text-align:center;vertical-align:middle;border-bottom:1px solid;\"><b>Estimates of the present value of the future cash flows </b></th><th class=\"startCol-3 endCol-3 valign-middle align-center border-bottom-1 border-top-1 headrow\" scope=\"col\" style=\"text-align:center;vertical-align:middle;border-bottom:1px solid;\"><b>Risk adjustment for non-financial risk </b></th><th class=\"startCol-4 endCol-5 valign-middle align-left border-bottom-1 border-top-1 colspan-2 headrow\" colspan=\"2\" scope=\"col\" style=\"text-align:left;vertical-align:middle;border-bottom:1px solid;\"><b>CSM </b></th><th class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1 headrow\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;border-bottom:1px solid;\"><b>Total </b></th></tr>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-left-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;\"><b>2022 </b></th><th class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Total </b></th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Of which, contracts under fair value approach </b></th><th class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>At 1 January </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>163 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>14 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>9 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>9 </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>186 </b></td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Changes in the income statement: </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b><i>Changes that relate to future services </i></b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">- Changes in estimates that adjust the CSM </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-1 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-1 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-1 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b><i>Changes that relate to current services: </i></b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">- CSM recognised in the income statement for services received </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-7 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-7 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-7 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">- Release of the risk adjustment for non-financial risk </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-1 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-1 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">- Experience adjustments </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Net expenses from reinsurance contracts </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>4 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-2 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-8 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-8 </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-5 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Net finance income from reinsurance contracts </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-37 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-4 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-41 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total changes in the income statement </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-32 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-6 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-8 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-46 </b></td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Cash flows: </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Insurance service expenses recovered from reinsurance contracts </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-11 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-11 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total cash flows </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-11 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-11 </b></td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>At 31 December </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>120 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>8 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>2 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>2 </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>129 </b></td></tr></tbody></table> <br/>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n1288854\"><span class=\"number\">7.5.13.3 </span><span class=\"title-text\">Assumptions used </span></h1>\n<p>In estimating the fulfilment cash flows included in the contract boundary, a.s.r. considers the range of all possible outcomes in an unbiased way specifying the amount of cash flows, timing and probability reflecting conditions existing at the measurement date, using a probability-weighted average of all possible scenarios. In determining possible scenarios, a.s.r. uses all the reasonable and supportable information available to them without undue cost and effort, which includes information about past events, current conditions and future forecasts. </p>\n<div class=\"header header-2\">Actuarial assumptions </div>\n<p>Cash flow estimates include both market variables directly observed in the market or derived directly from markets and non-market variables, such as mortality and longevity. The best estimate assumptions regarding mortality and longevity include recent trend assumptions for life expectancy in the Netherlands, as provided by the Dutch Koninklijk Actuarieel Genootschap (Actuarial Association). </p>\n<p>Lapse, cancellation and surrender assumptions are non-economic assumptions and reflect the expected policyholder behaviour. As such the rates usually depend on issue year, policy year, major business lines and sales channels. Such granularity is usually enough to capture how the product terms and conditions as well as regulations can influence the timing and volume of lapse and surrenders. Calendar year based adjustments and dynamic policyholder behaviour are considered when needed in specific circumstances. </p>\n<p>Expenses are included in the fulfilment cash flows, when they are directly attributable to insurance contracts and have been allocated to the business lines. These expenses include acquisition expenses, investment expenses related to direct participating contracts as well as overhead costs that a.s.r. considers to be unavoidable when fulfilling the in-force contracts. </p>\n<div class=\"header header-2\">Risk adjustment </div>\n<p>The risk adjustment is determined for each portfolio of insurance contracts using a Cost of Capital (CoC) method similar to the risk margin used for reporting under the Solvency II. a.s.r. currently uses the Solvency II model to quantify the risks, adjusted for the following points: </p><ul><li>\n<p>Excluding general operational risk; </p></li><li>\n<p>Excluding market risk (if any); </p></li><li>\n<p>Excluding reinsurance counterparty default risk; </p></li><li>\n<p>Added a reinsured risk adjustment by calculating the risk adjustment gross and net of reinsurance; </p></li><li>\n<p>A CoC rate of 6% is used, diversification effects are applied for disability, taking into account a going concern basis; </p></li><li>\n<p>ECAP is used where available (e.g. P&amp;C Cat risk); and </p></li><li>\n<p>The IFRS 17 discount rate curve is used. </p></li></ul>\n<p>The risks that are generally incorporated through the risk adjustment are mortality, longevity, disability, lapse, catastrophe and expense risk. A projection of expected future risks is made and all these risks are projected into the future. The total risk for every future year is determined based on correlations between the risks described in Solvency II. The projected total risk for every year is multiplied by a cost of capital charge and discounted at the balance sheet date. </p>\n<p>The risk adjustment is calculated at a range of confidence levels, as set out below in the table. The implied confidence levels are determined for both the one year and multiyear view, gross of reinsurance. </p>\n<h3 class=\"table-title\">Confidence levels </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:28%;\"/><col style=\"width:37.5%;\"/><col style=\"width:34.5%;\"/></colgroup><thead>\n<tr style=\"border:none;\"><th class=\"startCol-1 endCol-1 valign-top border-right-1 headrow\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-top border-left-1 headrow\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-right-1 headrow\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;border-bottom:1px solid;\"><b>31 December 2023 </b></th></tr>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>1 year view </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Ultimate view </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Range </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">95% - 98% </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">66% - 76% </td></tr></tbody></table> <br/>\n<div class=\"header header-2\">Discount curve </div>\n<p>Discount curves to discount the expected future fulfilment cash flows are determined using a liquid risk free curve to which an illiquidity premium is added. The risk-free curve is based on the 6-month EURIBOR swap rate and includes a credit-risk adjustment and a first smoothing point of 20 years. a.s.r. uses an UFR of 3.40% in 2023 (2022: 3.45%) for the construction of the curve from the first smoothing point (FSP). The liability illiquidity premium (LIP) is the adjustment resulting from differences between the liquidity characteristics of the group of insurance contracts and the liquidity of the assets used to establish the yield curve. The LIP is derived from a.s.r.\u2019s current asset portfolio using a top-down approach per entity or liability product. </p>\n<p>The discount curves are also applicable to the liabilities arising from direct participating insurance contracts. Further information on these contracts can be found in chapter <a href=\"#n1288943\" title=\"Liabilities arising from direct participating insurance contracts\">7.5.14</a>. </p>\n<p>The range of application ratio\u2019s follow the SCR Mass Lapse methodology, and include the harmonisation with Aegon NL. </p>\n<h3 class=\"table-title\">Discount curves used in the valuation of the insurance contract liabilities and liabilities arising from direct participating insurance contracts </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:0%;\"/><col style=\"width:12%;\"/><col style=\"width:10%;\"/><col style=\"width:10%;\"/><col style=\"width:10%;\"/><col style=\"width:10%;\"/><col style=\"width:10%;\"/><col style=\"width:10%;\"/><col style=\"width:10%;\"/></colgroup><thead>\n<tr style=\"border:none;\"><th class=\"startCol-1 endCol-1 valign-top headrow\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-top headrow\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-3 endCol-3 valign-top headrow\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-4 endCol-4 valign-top headrow\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-5 endCol-5 valign-top headrow\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-6 endCol-6 valign-top headrow\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-7 endCol-7 valign-top headrow\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-8 endCol-8 valign-top headrow\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-9 endCol-9 valign-bottom align-right headrow\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;border-bottom:1px solid;\"><b>Years </b></th></tr>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;\"><b>Range LIP </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>1 </b></th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>5 </b></th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>10 </b></th><th class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>20 </b></th><th class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>30 </b></th><th class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>40 </b></th><th class=\"startCol-9 endCol-9 valign-bottom align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>50 </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">1 January 2022 </td><td class=\"startCol-2 endCol-2 valign-bottom border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">25% (min) </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-0.46% </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">0.04% </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">0.33% </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">0.58% </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1.02% </td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1.51% </td><td class=\"startCol-9 endCol-9 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1.87% </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-bottom border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">100% (max) </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-0.34% </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">0.16% </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">0.45% </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">0.70% </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1.12% </td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1.59% </td><td class=\"startCol-9 endCol-9 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1.94% </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-8 endCol-8 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-9 endCol-9 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">31 December 2022 </td><td class=\"startCol-2 endCol-2 valign-bottom border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">25% (min) </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">3.32% </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">3.27% </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">3.23% </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2.90% </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2.75% </td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2.84% </td><td class=\"startCol-9 endCol-9 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2.94% </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-bottom border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">100% (max) </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">3.61% </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">3.56% </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">3.52% </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">3.19% </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2.99% </td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">3.03% </td><td class=\"startCol-9 endCol-9 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">3.09% </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-8 endCol-8 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-9 endCol-9 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">31 December 2023 </td><td class=\"startCol-2 endCol-2 valign-bottom border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">50% (min) </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">3.80% </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2.76% </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2.83% </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2.84% </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2.82% </td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2.91% </td><td class=\"startCol-9 endCol-9 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2.99% </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-bottom border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">100% (max) </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">4.21% </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">3.17% </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">3.24% </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">3.25% </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">3.17% </td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">3.18% </td><td class=\"startCol-9 endCol-9 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">3.21% </td></tr></tbody></table> <br/>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n1288877\"><span class=\"number\">7.5.13.4 </span><span class=\"title-text\">Contracts issued and acquired in the period </span></h1>\n<p>The following tables summarise the effect on the measurement components of insurance and reinsurance contracts arising from the initial recognition of contracts measured under the GMM that were initially recognised in the year. </p>\n<h3 class=\"table-title\">Contracts issued and acquired: Non-life insurance contracts current year </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:auto;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;\">2023 </th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Profitable contracts issued </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Onerous contracts issued </b></th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Contracts acquired </b></th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Total </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Expected claims and insurance service operating expenses </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1,100 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1,333 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,433 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Insurance acquisition cash flows </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">32 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">32 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Estimates of the present value of future cash outflows </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>1,132 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>1,333 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>2,465 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Estimates of the present value of future cash inflows </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-1,249 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-1,475 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-2,724 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Risk adjustment for non-financial risk </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">21 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">46 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">67 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">CSM </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">96 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">96 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">192 </td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Losses recognised on initial recognition </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td></tr></tbody></table> <br/>\n<h3 class=\"table-title\">Contracts issued and acquired: Non-life insurance contracts prior year </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:auto;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;\">2022 </th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Profitable contracts issued </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Onerous contracts issued </b></th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Contracts acquired </b></th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Total </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Expected claims and insurance service operating expenses </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">400 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">807 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,206 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Insurance acquisition cash flows </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">7 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">14 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">21 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Estimates of the present value of future cash outflows </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>407 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>821 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>1,228 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Estimates of the present value of future cash inflows </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-432 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-839 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-1,271 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Risk adjustment for non-financial risk </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">18 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">26 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">44 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">CSM </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">7 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">7 </td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Losses recognised on initial recognition </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>8 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>8 </b></td></tr></tbody></table> <br/>\n<h3 class=\"table-title\">Contracts issued and acquired: Non-life reinsurance contracts </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:auto;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>2023 </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>2022 </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Estimates of present value of cash inflows </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-132 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Estimates of present value of cash outflows </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">109 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Risk adjustment for non-financial risk </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">8 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">7 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">CSM </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">15 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1\" style=\"text-align:right;vertical-align:bottom;\">-7 </td></tr></tbody></table> <br/>\n<h3 class=\"table-title\">Contracts issued and acquired: Life insurance contracts current year </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:auto;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;\">2023 </th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Profitable contracts issued </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Onerous contracts issued </b></th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Contracts acquired </b></th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Total </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Expected claims and insurance service operating expenses </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">215 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">219 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">26,430 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">26,864 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Insurance acquisition cash flows </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">4 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">6 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Estimates of the present value of future cash outflows </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>217 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>223 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>26,430 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>26,871 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Estimates of the present value of future cash inflows </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-315 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-217 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-29,553 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-30,085 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Risk adjustment for non-financial risk </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">22 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">5 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1,080 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1,107 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">CSM </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">76 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,043 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,118 </td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Losses recognised on initial recognition </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>11 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>11 </b></td></tr></tbody></table> <br/>\n<h3 class=\"table-title\">Contracts issued and acquired: Life insurance contracts prior year </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:auto;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;\">2022 </th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Profitable contracts issued </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Onerous contracts issued </b></th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Contracts acquired </b></th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Total </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Expected claims and insurance service operating expenses </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">274 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">113 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">387 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Insurance acquisition cash flows </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2 </td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Estimates of the present value of future cash outflows </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>275 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>113 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>388 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Estimates of the present value of future cash inflows </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-368 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-98 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-466 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Risk adjustment for non-financial risk </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">28 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">6 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">34 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">CSM </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">65 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">65 </td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Losses recognised on initial recognition </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>21 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>21 </b></td></tr></tbody></table> <br/>\n<h3 class=\"table-title\">Contracts issued and acquired: Life reinsurance contracts </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:auto;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>2023 </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>2022 </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Estimates of present value of cash inflows </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">324 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Estimates of present value of cash outflows </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-839 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Risk adjustment for non-financial risk </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">426 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">CSM </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">90 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr></tbody></table> <br/>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n1288899\"><span class=\"number\">7.5.13.5 </span><span class=\"title-text\">Expected release of the CSM </span></h1>\n<p>The following table illustrates when a.s.r. expects to recognise the remaining CSM as revenue for contracts measured under the GMM. </p>\n<h3 class=\"table-title\">Expected release of the CSM current year </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:auto;\"/><col style=\"width:10%;\"/><col style=\"width:10%;\"/><col style=\"width:10%;\"/><col style=\"width:10%;\"/><col style=\"width:10%;\"/><col style=\"width:10%;\"/><col style=\"width:10%;\"/><col style=\"width:10%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;\">31 December 2023 </th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>&lt; 1 year </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>1-2 years </b></th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>2-3 years </b></th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>3-4 years </b></th><th class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>4-5 years </b></th><th class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>5-10 years </b></th><th class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>&gt; 10 years </b></th><th class=\"startCol-9 endCol-9 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Total </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Insurance contracts </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-8 endCol-8 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-9 endCol-9 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Non-Life GMM </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">51 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">18 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">16 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">15 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">14 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">64 </td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">59 </td><td class=\"startCol-9 endCol-9 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">236 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Life GMM </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">180 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">174 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">169 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">164 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">157 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">702 </td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,123 </td><td class=\"startCol-9 endCol-9 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">3,668 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-8 endCol-8 valign-top border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-9 endCol-9 valign-top border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Reinsurance contracts </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-left-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-8 endCol-8 valign-top border-bottom-1 border-left-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-9 endCol-9 valign-top border-bottom-1 border-left-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Non-Life GMM </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-1 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-1 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-1 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-1 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-1 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-3 </td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-7 </td><td class=\"startCol-9 endCol-9 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-14 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Life GMM </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-4 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-4 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-4 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-3 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-3 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-15 </td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-28 </td><td class=\"startCol-9 endCol-9 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-61 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-8 endCol-8 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-9 endCol-9 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total expected release of the CSM </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>227 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>188 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>180 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>174 </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>167 </b></td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>747 </b></td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>2,146 </b></td><td class=\"startCol-9 endCol-9 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>3,829 </b></td></tr></tbody></table> <br/>\n<h3 class=\"table-title\">Expected release of the CSM prior year </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:auto;\"/><col style=\"width:10%;\"/><col style=\"width:10%;\"/><col style=\"width:10%;\"/><col style=\"width:10%;\"/><col style=\"width:10%;\"/><col style=\"width:10%;\"/><col style=\"width:10%;\"/><col style=\"width:10%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;\">31 December 2022 </th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>&lt; 1 year </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>1-2 years </b></th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>2-3 years </b></th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>3-4 years </b></th><th class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>4-5 years </b></th><th class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>5-10 years </b></th><th class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>&gt; 10 years </b></th><th class=\"startCol-9 endCol-9 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Total </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Insurance contracts </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-8 endCol-8 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-9 endCol-9 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Non-Life GMM </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">14 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">7 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">5 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">5 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">5 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">26 </td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">7 </td><td class=\"startCol-9 endCol-9 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">69 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Life GMM </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">72 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">71 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">71 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">69 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">68 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">301 </td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">946 </td><td class=\"startCol-9 endCol-9 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,598 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-8 endCol-8 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-9 endCol-9 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Reinsurance contracts </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-8 endCol-8 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-9 endCol-9 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Non-Life GMM </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-9 endCol-9 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Life GMM </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-1 </td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-9 endCol-9 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-2 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-8 endCol-8 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-9 endCol-9 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total expected release of the CSM </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>86 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>78 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>76 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>75 </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>73 </b></td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>327 </b></td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>952 </b></td><td class=\"startCol-9 endCol-9 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>1,666 </b></td></tr></tbody></table> <br/>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n1288921\"><span class=\"number\">7.5.13.6 </span><span class=\"title-text\">Claims development table Non-life </span></h1>\n<p>The table below is a ten-year summary of movements in gross cumulative claims in connection with the Non-life portfolio for the period from 2014 to 2023. </p>\n<h3 class=\"table-title\">Ten-year summary of changes in gross cumulative claims </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:0%;\"/><col style=\"width:6.5%;\"/><col style=\"width:6.5%;\"/><col style=\"width:6.5%;\"/><col style=\"width:6.5%;\"/><col style=\"width:6.5%;\"/><col style=\"width:6.5%;\"/><col style=\"width:6.5%;\"/><col style=\"width:6.5%;\"/><col style=\"width:6.5%;\"/><col style=\"width:6.5%;\"/><col style=\"width:6.5%;\"/></colgroup><thead>\n<tr style=\"border:none;\"><th class=\"startCol-1 endCol-1 valign-top headrow\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-12 valign-bottom align-right border-bottom-1 colspan-11 headrow\" colspan=\"11\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;border-bottom:1px solid;\">Claims year </th></tr>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;\">31 December 2023 </th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">2014 </th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">2015 </th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">2016 </th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">2017 </th><th class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">2018 </th><th class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">2019 </th><th class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">2020 </th><th class=\"startCol-9 endCol-9 valign-bottom align-right border-bottom-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">2021 </th><th class=\"startCol-10 endCol-10 valign-bottom align-right border-bottom-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">2022 </th><th class=\"startCol-11 endCol-11 valign-bottom align-right border-bottom-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">2023 </th><th class=\"startCol-12 endCol-12 valign-bottom align-right border-bottom-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">Total </th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">At year end </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-8 endCol-8 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-9 endCol-9 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-10 endCol-10 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-11 endCol-11 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-12 endCol-12 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">1st claim year </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1,975 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,027 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,216 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,237 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,348 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,418 </td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,614 </td><td class=\"startCol-9 endCol-9 valign-bottom align-right border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">3,206 </td><td class=\"startCol-10 endCol-10 valign-bottom align-right border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">3,469 </td><td class=\"startCol-11 endCol-11 valign-bottom align-right border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">4,366 </td><td class=\"startCol-12 endCol-12 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">2015 </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-left-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1,953 </td><td class=\"startCol-3 endCol-3 valign-top format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-8 endCol-8 valign-top format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-9 endCol-9 valign-top format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-10 endCol-10 valign-top format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-11 endCol-11 valign-top border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-12 endCol-12 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">2016 </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-left-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1,959 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,017 </td><td class=\"startCol-4 endCol-4 valign-top format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-8 endCol-8 valign-top format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-9 endCol-9 valign-top format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-10 endCol-10 valign-top format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-11 endCol-11 valign-top border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-12 endCol-12 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">2017 </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-left-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1,951 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,051 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,262 </td><td class=\"startCol-5 endCol-5 valign-top format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-8 endCol-8 valign-top format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-9 endCol-9 valign-top format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-10 endCol-10 valign-top format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-11 endCol-11 valign-top border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-12 endCol-12 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">2018 </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-left-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1,945 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,062 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,310 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,312 </td><td class=\"startCol-6 endCol-6 valign-top format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-8 endCol-8 valign-top format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-9 endCol-9 valign-top format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-10 endCol-10 valign-top format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-11 endCol-11 valign-top border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-12 endCol-12 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">2019 </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-left-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1,936 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,052 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,295 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,375 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,367 </td><td class=\"startCol-7 endCol-7 valign-top format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-8 endCol-8 valign-top format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-9 endCol-9 valign-top format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-10 endCol-10 valign-top format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-11 endCol-11 valign-top border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-12 endCol-12 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">2020 </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-left-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1,911 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,047 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,314 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,382 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,445 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,464 </td><td class=\"startCol-8 endCol-8 valign-top format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-9 endCol-9 valign-top format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-10 endCol-10 valign-top format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-11 endCol-11 valign-top border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-12 endCol-12 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">2021 </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-left-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1,893 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,009 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,251 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,338 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,449 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,510 </td><td class=\"startCol-8 endCol-8 valign-bottom align-right format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,621 </td><td class=\"startCol-9 endCol-9 valign-top format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-10 endCol-10 valign-top format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-11 endCol-11 valign-top border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-12 endCol-12 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">2022 </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-left-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1,894 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,033 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,274 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,325 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,483 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,514 </td><td class=\"startCol-8 endCol-8 valign-bottom align-right format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,630 </td><td class=\"startCol-9 endCol-9 valign-bottom align-right format-highlight\" style=\"text-align:right;vertical-align:bottom;\">3,091 </td><td class=\"startCol-10 endCol-10 valign-top format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-11 endCol-11 valign-top border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-12 endCol-12 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">2023 </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1,895 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,031 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,265 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,335 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,499 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,554 </td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,682 </td><td class=\"startCol-9 endCol-9 valign-bottom align-right border-bottom-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">3,168 </td><td class=\"startCol-10 endCol-10 valign-bottom align-right border-bottom-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">3,509 </td><td class=\"startCol-11 endCol-11 valign-top border-bottom-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-12 endCol-12 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Estimates of undiscounted gross cumulative claims 31 December 2023 </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>1,895 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>2,031 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>2,265 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>2,335 </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>2,499 </b></td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>2,554 </b></td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>2,682 </b></td><td class=\"startCol-9 endCol-9 valign-bottom align-right border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>3,168 </b></td><td class=\"startCol-10 endCol-10 valign-bottom align-right border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>3,509 </b></td><td class=\"startCol-11 endCol-11 valign-bottom align-right border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>4,366 </b></td><td class=\"startCol-12 endCol-12 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Cumulative gross paid claims </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1,736 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1,825 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,011 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,015 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,055 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,010 </td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,020 </td><td class=\"startCol-9 endCol-9 valign-bottom align-right border-bottom-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,295 </td><td class=\"startCol-10 endCol-10 valign-bottom align-right border-bottom-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,351 </td><td class=\"startCol-11 endCol-11 valign-bottom align-right border-bottom-1 border-right-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,130 </td><td class=\"startCol-12 endCol-12 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Gross liabilities claims years 2014 to 2023 </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>159 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>205 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>254 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>319 </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>443 </b></td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>545 </b></td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>662 </b></td><td class=\"startCol-9 endCol-9 valign-bottom align-right border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>873 </b></td><td class=\"startCol-10 endCol-10 valign-bottom align-right border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>1,158 </b></td><td class=\"startCol-11 endCol-11 valign-bottom align-right border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>2,236 </b></td><td class=\"startCol-12 endCol-12 valign-bottom align-right border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>6,855 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Gross liabilities claims years before 2014 </td><td class=\"startCol-2 endCol-2 valign-top border-left-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-8 endCol-8 valign-top format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-9 endCol-9 valign-top format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-10 endCol-10 valign-top format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-11 endCol-11 valign-top border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-12 endCol-12 valign-bottom align-right border-left-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">994 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Effect of discounting </td><td class=\"startCol-2 endCol-2 valign-top border-left-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-8 endCol-8 valign-top format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-9 endCol-9 valign-top format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-10 endCol-10 valign-top format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-11 endCol-11 valign-top border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-12 endCol-12 valign-bottom align-right border-left-1 border-right-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-1,289 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Effect of the risk adjustment margin for non-financial risk </td><td class=\"startCol-2 endCol-2 valign-top border-left-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-8 endCol-8 valign-top format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-9 endCol-9 valign-top format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-10 endCol-10 valign-top format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-11 endCol-11 valign-top border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-12 endCol-12 valign-bottom align-right border-left-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">135 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Other </td><td class=\"startCol-2 endCol-2 valign-top border-left-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-8 endCol-8 valign-top format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-9 endCol-9 valign-top format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-10 endCol-10 valign-top format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-11 endCol-11 valign-top border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-12 endCol-12 valign-bottom align-right border-left-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">15 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-8 endCol-8 valign-top border-bottom-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-9 endCol-9 valign-top border-bottom-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-10 endCol-10 valign-top border-bottom-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-11 endCol-11 valign-top border-bottom-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-12 endCol-12 valign-top border-bottom-1 border-left-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Gross liabilities for incurred claims </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-8 endCol-8 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-9 endCol-9 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-10 endCol-10 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-11 endCol-11 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-12 endCol-12 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>6,710 </b></td></tr></tbody></table> <br/>\n<p>Gross claims in the claims development table include the Aegon NL claims as from the acquisition date. </p>\n<h3 class=\"table-title\">Ten-year summary of changes in gross cumulative claims </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:0%;\"/><col style=\"width:6.5%;\"/><col style=\"width:6.5%;\"/><col style=\"width:6.5%;\"/><col style=\"width:6.5%;\"/><col style=\"width:6.5%;\"/><col style=\"width:6.5%;\"/><col style=\"width:6.5%;\"/><col style=\"width:6.5%;\"/><col style=\"width:6.5%;\"/><col style=\"width:6.5%;\"/><col style=\"width:6.5%;\"/></colgroup><thead>\n<tr style=\"border:none;\"><th class=\"startCol-1 endCol-1 valign-top headrow\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-12 valign-bottom align-right border-bottom-1 colspan-11 headrow\" colspan=\"11\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;border-bottom:1px solid;\">Claims year </th></tr>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;\">31 December 2022 </th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">2013 </th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">2014 </th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">2015 </th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">2016 </th><th class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">2017 </th><th class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">2018 </th><th class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">2019 </th><th class=\"startCol-9 endCol-9 valign-bottom align-right border-bottom-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">2020 </th><th class=\"startCol-10 endCol-10 valign-bottom align-right border-bottom-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">2021 </th><th class=\"startCol-11 endCol-11 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">2022 </th><th class=\"startCol-12 endCol-12 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">Total </th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">At year end </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-8 endCol-8 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-9 endCol-9 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-10 endCol-10 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-11 endCol-11 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-12 endCol-12 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">1st claim year </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2,048 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,975 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2,027 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2,216 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2,237 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2,348 </td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2,418 </td><td class=\"startCol-9 endCol-9 valign-bottom align-right border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2,614 </td><td class=\"startCol-10 endCol-10 valign-bottom align-right border-top-1\" style=\"text-align:right;vertical-align:bottom;\">3,206 </td><td class=\"startCol-11 endCol-11 valign-bottom align-right border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">3,469 </td><td class=\"startCol-12 endCol-12 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">2014 </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-left-1\" style=\"text-align:right;vertical-align:bottom;\">2,060 </td><td class=\"startCol-3 endCol-3 valign-top\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-8 endCol-8 valign-top\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-9 endCol-9 valign-top\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-10 endCol-10 valign-top\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-11 endCol-11 valign-top border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-12 endCol-12 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">2015 </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-left-1\" style=\"text-align:right;vertical-align:bottom;\">2,047 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right\" style=\"text-align:right;vertical-align:bottom;\">1,953 </td><td class=\"startCol-4 endCol-4 valign-top\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-8 endCol-8 valign-top\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-9 endCol-9 valign-top\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-10 endCol-10 valign-top\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-11 endCol-11 valign-top border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-12 endCol-12 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">2016 </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-left-1\" style=\"text-align:right;vertical-align:bottom;\">2,045 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right\" style=\"text-align:right;vertical-align:bottom;\">1,959 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right\" style=\"text-align:right;vertical-align:bottom;\">2,017 </td><td class=\"startCol-5 endCol-5 valign-top\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-8 endCol-8 valign-top\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-9 endCol-9 valign-top\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-10 endCol-10 valign-top\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-11 endCol-11 valign-top border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-12 endCol-12 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">2017 </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-left-1\" style=\"text-align:right;vertical-align:bottom;\">2,053 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right\" style=\"text-align:right;vertical-align:bottom;\">1,951 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right\" style=\"text-align:right;vertical-align:bottom;\">2,051 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right\" style=\"text-align:right;vertical-align:bottom;\">2,262 </td><td class=\"startCol-6 endCol-6 valign-top\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-8 endCol-8 valign-top\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-9 endCol-9 valign-top\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-10 endCol-10 valign-top\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-11 endCol-11 valign-top border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-12 endCol-12 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">2018 </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-left-1\" style=\"text-align:right;vertical-align:bottom;\">2,048 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right\" style=\"text-align:right;vertical-align:bottom;\">1,945 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right\" style=\"text-align:right;vertical-align:bottom;\">2,062 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right\" style=\"text-align:right;vertical-align:bottom;\">2,310 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right\" style=\"text-align:right;vertical-align:bottom;\">2,312 </td><td class=\"startCol-7 endCol-7 valign-top\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-8 endCol-8 valign-top\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-9 endCol-9 valign-top\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-10 endCol-10 valign-top\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-11 endCol-11 valign-top border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-12 endCol-12 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">2019 </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-left-1\" style=\"text-align:right;vertical-align:bottom;\">2,035 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right\" style=\"text-align:right;vertical-align:bottom;\">1,936 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right\" style=\"text-align:right;vertical-align:bottom;\">2,052 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right\" style=\"text-align:right;vertical-align:bottom;\">2,295 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right\" style=\"text-align:right;vertical-align:bottom;\">2,375 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right\" style=\"text-align:right;vertical-align:bottom;\">2,367 </td><td class=\"startCol-8 endCol-8 valign-top\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-9 endCol-9 valign-top\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-10 endCol-10 valign-top\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-11 endCol-11 valign-top border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-12 endCol-12 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">2020 </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-left-1\" style=\"text-align:right;vertical-align:bottom;\">2,018 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right\" style=\"text-align:right;vertical-align:bottom;\">1,911 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right\" style=\"text-align:right;vertical-align:bottom;\">2,047 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right\" style=\"text-align:right;vertical-align:bottom;\">2,314 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right\" style=\"text-align:right;vertical-align:bottom;\">2,382 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right\" style=\"text-align:right;vertical-align:bottom;\">2,445 </td><td class=\"startCol-8 endCol-8 valign-bottom align-right\" style=\"text-align:right;vertical-align:bottom;\">2,464 </td><td class=\"startCol-9 endCol-9 valign-top\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-10 endCol-10 valign-top\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-11 endCol-11 valign-top border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-12 endCol-12 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">2021 </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-left-1\" style=\"text-align:right;vertical-align:bottom;\">1,968 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right\" style=\"text-align:right;vertical-align:bottom;\">1,893 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right\" style=\"text-align:right;vertical-align:bottom;\">2,009 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right\" style=\"text-align:right;vertical-align:bottom;\">2,251 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right\" style=\"text-align:right;vertical-align:bottom;\">2,338 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right\" style=\"text-align:right;vertical-align:bottom;\">2,449 </td><td class=\"startCol-8 endCol-8 valign-bottom align-right\" style=\"text-align:right;vertical-align:bottom;\">2,510 </td><td class=\"startCol-9 endCol-9 valign-bottom align-right\" style=\"text-align:right;vertical-align:bottom;\">2,621 </td><td class=\"startCol-10 endCol-10 valign-top\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-11 endCol-11 valign-top border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-12 endCol-12 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">2022 </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1\" style=\"text-align:right;vertical-align:bottom;\">2,025 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1\" style=\"text-align:right;vertical-align:bottom;\">1,894 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1\" style=\"text-align:right;vertical-align:bottom;\">2,033 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1\" style=\"text-align:right;vertical-align:bottom;\">2,274 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1\" style=\"text-align:right;vertical-align:bottom;\">2,325 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1\" style=\"text-align:right;vertical-align:bottom;\">2,483 </td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1\" style=\"text-align:right;vertical-align:bottom;\">2,514 </td><td class=\"startCol-9 endCol-9 valign-bottom align-right border-bottom-1\" style=\"text-align:right;vertical-align:bottom;\">2,630 </td><td class=\"startCol-10 endCol-10 valign-bottom align-right border-bottom-1\" style=\"text-align:right;vertical-align:bottom;\">3,091 </td><td class=\"startCol-11 endCol-11 valign-top border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-12 endCol-12 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Estimates of undiscounted gross cumulative claims 31 December 2022 </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>2,025 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>1,894 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>2,033 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>2,274 </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>2,325 </b></td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>2,483 </b></td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>2,514 </b></td><td class=\"startCol-9 endCol-9 valign-bottom align-right border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>2,630 </b></td><td class=\"startCol-10 endCol-10 valign-bottom align-right border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>3,091 </b></td><td class=\"startCol-11 endCol-11 valign-bottom align-right border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>3,469 </b></td><td class=\"startCol-12 endCol-12 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Cumulative gross paid claims </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1\" style=\"text-align:right;vertical-align:bottom;\">1,824 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1\" style=\"text-align:right;vertical-align:bottom;\">1,712 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1\" style=\"text-align:right;vertical-align:bottom;\">1,787 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1\" style=\"text-align:right;vertical-align:bottom;\">1,971 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1\" style=\"text-align:right;vertical-align:bottom;\">1,966 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1\" style=\"text-align:right;vertical-align:bottom;\">1,986 </td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1\" style=\"text-align:right;vertical-align:bottom;\">1,928 </td><td class=\"startCol-9 endCol-9 valign-bottom align-right border-bottom-1\" style=\"text-align:right;vertical-align:bottom;\">1,920 </td><td class=\"startCol-10 endCol-10 valign-bottom align-right border-bottom-1\" style=\"text-align:right;vertical-align:bottom;\">2,116 </td><td class=\"startCol-11 endCol-11 valign-bottom align-right border-bottom-1 border-right-1\" style=\"text-align:right;vertical-align:bottom;\">1,481 </td><td class=\"startCol-12 endCol-12 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Gross liabilities claims years 2013 to 2022 </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>200 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>183 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>246 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>303 </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>359 </b></td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>497 </b></td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>585 </b></td><td class=\"startCol-9 endCol-9 valign-bottom align-right border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>710 </b></td><td class=\"startCol-10 endCol-10 valign-bottom align-right border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>976 </b></td><td class=\"startCol-11 endCol-11 valign-bottom align-right border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>1,988 </b></td><td class=\"startCol-12 endCol-12 valign-bottom align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>6,047 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Gross liabilities claims years before 2013 </td><td class=\"startCol-2 endCol-2 valign-top border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-8 endCol-8 valign-top\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-9 endCol-9 valign-top\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-10 endCol-10 valign-top\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-11 endCol-11 valign-top border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-12 endCol-12 valign-bottom align-right border-left-1\" style=\"text-align:right;vertical-align:bottom;\">988 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Effect of discounting </td><td class=\"startCol-2 endCol-2 valign-top border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-8 endCol-8 valign-top\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-9 endCol-9 valign-top\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-10 endCol-10 valign-top\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-11 endCol-11 valign-top border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-12 endCol-12 valign-bottom align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:bottom;\">-1,204 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Effect of the risk adjustment margin for non-financial risk </td><td class=\"startCol-2 endCol-2 valign-top border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-8 endCol-8 valign-top\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-9 endCol-9 valign-top\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-10 endCol-10 valign-top\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-11 endCol-11 valign-top border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-12 endCol-12 valign-bottom align-right border-left-1\" style=\"text-align:right;vertical-align:bottom;\">108 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Other </td><td class=\"startCol-2 endCol-2 valign-top border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-8 endCol-8 valign-top\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-9 endCol-9 valign-top\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-10 endCol-10 valign-top\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-11 endCol-11 valign-top border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-12 endCol-12 valign-bottom align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:bottom;\">-12 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-8 endCol-8 valign-top border-bottom-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-9 endCol-9 valign-top border-bottom-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-10 endCol-10 valign-top border-bottom-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-11 endCol-11 valign-top border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-12 endCol-12 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Gross liabilities for incurred claims </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-8 endCol-8 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-9 endCol-9 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-10 endCol-10 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-11 endCol-11 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-12 endCol-12 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>5,927 </b></td></tr></tbody></table> <br/>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfReinsuranceExplanatory",
    "language": "en",
    "entity": "scheme:7245000G0HS48PZWUD53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "ixv-701": {
   "value": "\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n1289032\"><span class=\"number\">7.5.14.4 </span><span class=\"title-text\">Pre-recognition cash flows </span></h1>\n<p>Pre-recognition cash flows amounting \u20ac\u00a011 million (\u20ac\u00a02022: \u20ac\u00a012 million) mainly concern acquisition cash flows relating to insurance contracts, specifically Werknemers Pensioen, not yet recognised. </p>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfDeferredAcquisitionCostsArisingFromInsuranceContractsExplanatory",
    "language": "en",
    "entity": "scheme:7245000G0HS48PZWUD53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "ixv-702": {
   "value": "\n<div class=\"tanPageBreak start-node\"> </div>\n<h1 class=\"S_PARAGRAPH\" id=\"n1289054\"><span class=\"number\">7.5.15 </span><span class=\"title-text\">Employee benefits </span></h1>\n<p>See accounting policy <a href=\"#n1286442\" title=\"G. Employee benefits\">G</a>. </p>\n<h3 class=\"table-title\">Employee benefits </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:0%;\"/><col style=\"width:14%;\"/><col style=\"width:14%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">31 December 2023 </th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">31 December 2022 </th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Post-employment benefits pensions </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">5,160 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2,722 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\">Post-employment benefits other than pensions </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">39 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">7 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Post-employment benefit obligation </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>5,199 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>2,730 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-right-1\" style=\"text-align:left;vertical-align:bottom;\">Other long-term employee benefits </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">19 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">12 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>5,218 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>2,742 </b></td></tr></tbody></table> <br/>\n<h3 class=\"table-title\">Costs of post-employment and other long-term employee benefits </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:0%;\"/><col style=\"width:14%;\"/><col style=\"width:14%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>2023 </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>2022 </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Post-employment benefits pensions </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-202 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-78 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\">Post-employment benefits other than pensions </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-201 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-78 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-right-1\" style=\"text-align:left;vertical-align:bottom;\">Other long term employee benefits </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Cost of post-employment and other long-term employee benefits </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-201 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-78 </b></td></tr></tbody></table> <br/>\n<p>The costs of the post-employment benefits pensions relate to the current DC pension plan of a.s.r., the previous DB plans of a.s.r. and Aegon NL, plus the DC plans of the other group companies. </p>\n<p>An amount of \u20ac\u00a05.018 million (2022: \u20ac\u00a02,609 million) of the employee benefits is expected to be settled more than twelve months after the balance sheet date. </p>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n1289077\"><span class=\"number\">7.5.15.1 </span><span class=\"title-text\">Post-employment benefits pensions </span></h1>\n<p>a.s.r. has a number of DC and DB post-employment benefit plans for its employees and former employees. The majority of employees are formally employed by a.s.r. A limited number of employees are employed by other group companies. The pension plans of other group companies are disclosed in a separate section in this chapter. </p>\n<p>a.s.r. life and Aegon life, insurance companies and group entities, are the insurers of the majority of the post-employment defined benefit plans. a.s.r. life is also the insurer of the current DC pension plans. As a.s.r. life and Aegon life hold the investments that are meant to cover the employee benefit obligation for the DB plans, they do not qualify as plan assets in accordance with IAS 19 and are therefore included in financial assets. </p>\n<div class=\"header header-1\">a.s.r. employees </div>\n<p>All pension buildup for existing and new employees as of 1 January 2021 are included in the post employment DC plans. All employees who commenced service between 1 January 2006 and 31 December 2020 are included in one post-employment DB plan (\u2018Basic plan\u2019). All other employees remain active within the existing plan at the date of first employment. Previous plans for former employees are also still active. </p>\n<p>The recognised expenses for the DC plan in 2023 amounts to \u20ac\u00a044 million (2022 \u20ac\u00a037 million), which includes the employees of Aegon NL that transferred to a.s.r. resulting from the acquisition on 4 July 2023. </p>\n<p>The DC plan has two components with defined benefit elements with a marginal impact; survivors' pension and the option to buy a guaranteed income. Both components are accounted for in the same way as the DC plan. </p>\n<p>The past service cost of \u20ac\u00a0-7 million pre-tax presented in 2023 mainly relates to the RVU obligation in relation to the Aegon NL employees that entered the employment of a.s.r. The past service cost of \u20ac\u00a01 million pre-tax presented in 2022 relates to developments in relation to the ended DB plan (ended 31 December 2020) of a.s.r. </p>\n<p>The post-employment DB en DC plans for employees that are employed by a.s.r. are insured by a.s.r. life or Aegon life. </p>\n<p>The methods and techniques used to calculate the DB obligations are based on IAS 19 requirements and calculated by an independent actuary. </p>\n<p>The benefits under these plans are dependent on factors such as years of service and compensation. Pension obligations are determined using mortality tables, the rate of employee turnover, wage drift and economic assumptions for factors such as inflation, and the discount rate. </p>\n<p>As per 31 December 2020, the contribution to the DB pension scheme ended, therefore no accrual rate and pensionable salary and minimum franchise is required for this scheme. </p><ul><li>\n<p>The DB pension scheme had a retirement age of 68 years; </p></li><li>\n<p>The DB scheme was based on average-salary pension; and </p></li><li>\n<p>Future inflation indexation agreements are inforce. </p></li></ul>\n<div class=\"header header-1\">Former Aegon employees </div>\n<p>Former employees of Aegon NL are still covered by a number of Aegon NL post-employment benefit plans. Aegon NL has issued defined contribution plans and defined benefit plans. </p>\n<p>The contribution payable to a defined contribution plan for services provided is recognised as an expense in the income statement. An asset (or liability) is recognised to the extent that the contribution paid exceeds (or falls short of) the amount due for services provided. With the integration of Aegon NL and a.s.r. on 1 October 2023, the Aegon DC plan with Aegon IORP became non-contributory; the employees of Aegon NL are being included in the DC plan of a.s.r. </p>\n<p>The defined benefit obligation is based on the terms and conditions of the plan applicable on the balance sheet date. In measuring the defined benefit obligation Aegon NL uses the projected unit credit method and actuarial assumptions that represent the best estimate of future variables. The benefits are discounted using an interest rate based on the internal curve for high quality corporate bonds, that are denominated in the currency in which the benefits will be paid and that have terms to maturity that approximate the terms of the related pension liability. Actuarial assumptions used in the measurement of the liability include the discount rate, estimated future wage inflation, mortality rates and price inflation. </p>\n<p>As per 31 December 2019, the contribution to the DB pension scheme ended, therefore no accrual rate and pensionable salary and minimum franchise is required for this scheme. </p><ul><li>\n<p>The DB pension scheme had a retirement age of 68 years; </p></li><li>\n<p>The DB scheme was based on average-salary pension; and </p></li><li>\n<p>Future inflation indexation agreements are inforce. </p></li></ul>\n<div class=\"header header-1\">Other group companies employees </div>\n<p>The other group companies, which are entities mainly operating in the Distribution and Services segment, have DC plans, insured with a.s.r. life. The recognised expenses for these DC plans in 2023 amounts to \u20ac\u00a013 million (2022: \u20ac\u00a05 million). </p>\n<div class=\"header header-1\">Net defined benefit liability </div>\n<h3 class=\"table-title\">Defined benefit obligation for all the above mentioned plans </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:0%;\"/><col style=\"width:14%;\"/><col style=\"width:14%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>2023 </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>2022 </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Net defined benefit liability at 1 January </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>2,722 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>3,990 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-right-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Included in income statement </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-right-1\" style=\"text-align:left;vertical-align:bottom;\">Current service cost, contributions by employer </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-right-1\" style=\"text-align:left;vertical-align:bottom;\">Interest cost </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">142 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">33 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-right-1\" style=\"text-align:left;vertical-align:bottom;\">Past service cost </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-7 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\">Other </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-2 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-1 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>134 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>33 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-right-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Remeasurement of liabilities included in OCI </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-right-1\" style=\"text-align:left;vertical-align:bottom;\">Discount rate change </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">155 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-1,222 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-right-1\" style=\"text-align:left;vertical-align:bottom;\">Other assumptions change </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-6 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">31 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\">Experience adjustments </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">11 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-3 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>160 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-1,194 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-right-1\" style=\"text-align:left;vertical-align:bottom;\">Benefits </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-160 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-107 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-right-1\" style=\"text-align:left;vertical-align:bottom;\">Changes in the composition of the group </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,340 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-right-1\" style=\"text-align:left;vertical-align:bottom;\">Other </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-37 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-right-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Net defined benefit liability at 31 December </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>5,160 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>2,722 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-right-1\" style=\"text-align:left;vertical-align:bottom;\"><b>At 31 December </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-right-1\" style=\"text-align:left;vertical-align:bottom;\">Defined benefit obligation </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">5,160 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2,722 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-right-1\" style=\"text-align:left;vertical-align:bottom;\">Fair value of plan assets </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\">Net defined benefit liability </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">5,160 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2,722 </td></tr></tbody></table> <br/>\n<div class=\"header header-2\">a.s.r. employees </div>\n<p>Employees account for 20% (2022: 20%) of the DB obligation, 52% (2022: 52%) of the DB obligation relates to former employees currently receiving pension benefits, 25% (2022: 25%) of the DB obligation relates to deferred pensioners and 3% (2022: 3%) of the DB obligation relates to other members. </p>\n<p>The discount rate was 3.42% at 31 December 2023 (31 December 2022: 3.67%), resulting in a \u20ac\u00a081 million increase (2022: \u20ac\u00a01,259 million decrease) in the DB obligation. </p>\n<p>As per 31 December 2023 the duration of the DB obligation was 14 years (2022: 14 years). </p>\n<p>The change in other assumptions amounts is nil (2022: \u20ac\u00a031 million) primarily due to a change in indexation percentage of former employees. </p>\n<div class=\"header header-2\">Former Aegon employees </div>\n<p>The DB obligation of Aegon NL classifies as multiple-employer contract. a.s.r. has an obligation to pay part of the guarantee premium, which is an insurance premium to pay for the guarantee provided by Aegon life. Each year when there is a decision related to additional entitlements stemming from indexation, a new guarantee premium is calculated. This premium is based on the total of entitlements, including the previous annual layers of indexation bought in the past. The indexation annuity, which is based on contractual tariff, is extracted from the indexation depot. The guarantee premium, which is calculated based on the difference between the current market price and the contractual tariff for indexation, is paid in full by a.s.r. to Aegon life, and subsequently 29% thereof is recovered from Aegon Ltd. (2023: \u20ac\u00a04 million). These contributions from Aegon Ltd. are set out in the formal terms of the plan, and thus affect remeasurements of the net DB liability. An amount of \u20ac\u00a069 million was netted of the DB obligation and included in OCI. </p>\n<p>Employees account for 0% of the DB obligation, 54% of the DB obligation relates to former employees currently receiving pension benefits, 44% of the DB obligation relates to deferred pensioners and 2% of the DB obligation relates to other members. </p>\n<p>The discount rate was 3.42% at 31 December 2023 (3.81% at acquisition date), resulting in a \u20ac\u00a083 million increase in the DB obligation. As per 31 December 2023 the duration of the DB obligation was 14 years. The change in other assumptions amounts to \u20ac\u00a0-6 million primarily due to a change in indexation percentage of former employees. </p>\n<div class=\"header header-2\">Experience adjustments </div>\n<p>Experience adjustments are actuarial gains and losses that have arisen due to differences between actuarial assumptions. The following table provides information about experience adjustments with respect to qualifying plan assets and the DB obligation: </p>\n<h3 class=\"table-title\">Experience adjustments </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:0%;\"/><col style=\"width:14%;\"/><col style=\"width:14%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;\"><b>(in \u20ac\u00a0thousands) </b></th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>2023 </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>2022 </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Experience adjustments to qualifying investments, gain (loss) </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-right-1\" style=\"text-align:left;vertical-align:bottom;\">As a % of liabilities as at 31 December </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">0.0% </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">0.0% </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-right-1\" style=\"text-align:left;vertical-align:bottom;\">Experience adjustments to defined benefit obligation, loss (gain) </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-10,580 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">3,020 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\">As a % of liabilities as at 31 December </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-0.2% </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-0.1% </td></tr></tbody></table> <br/>\n<div class=\"header header-1\">Assumptions </div>\n<h3 class=\"table-title\">The principal actuarial assumptions and parameters at year-end </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:0%;\"/><col style=\"width:14%;\"/><col style=\"width:14%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>2023 </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>2022 </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Discount rate </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">3.4% </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">3.7% </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-right-1\" style=\"text-align:left;vertical-align:bottom;\">Mortality (years) a.s.r. </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">20.1 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">19.9 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\">Mortality (years) Aegon </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">21.1 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">n.a. </td></tr></tbody></table> <br/>\n<p>In the calculation of the DB obligation the: </p><ul><li>\n<p>Discount rate is based on an internal curve for high quality corporate bonds; </p></li><li>\n<p>For the a.s.r. pension scheme the most recent mortality table \u2018AG Prognosetafel 2022\u2019 is used, in combination with a.s.r. specific experience factors for the pension portfolio; </p></li><li>\n<p>For the Aegon NL pension scheme the Aegon 2023 life tables were used; </p></li><li>\n<p>The period of indexation is based on the expected duration of the separate account to fund the future inflation indexation. </p></li></ul>\n<p>The sensitivity of the above actuarial assumptions to feasible possible changes at the reporting date to one of the relevant actuarial assumptions whilst other assumption remain constant, would have affected the DB obligation by the amounts shown below: </p>\n<h3 class=\"table-title\">Sensitivity of actuarial assumptions </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:0%;\"/><col style=\"width:14%;\"/><col style=\"width:14%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Increase </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Decrease </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Discount rate (1% movement) </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-533 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">671 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\">Future mortality (1 year movement) </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-133 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">132 </td></tr></tbody></table> <br/>\n<div class=\"header header-1\">Non-qualifying plan assets </div>\n<p>The portfolios of global investments related to the ended DB pension schemes of a.s.r. and former Aegon NL are considered non-qualifying plan assets. The non-qualifying assets, which are managed by a group company, are not presented as part of the net DB obligation. </p>\n<p>For the non-qualifying assets backing the post-employment benefit plans, a.s.r. has drawn up general guidelines for the asset mix based on criteria such as geographical location and ratings. To ensure the investment guidelines remain in line with the conditions of the post-employment benefit obligations, a.s.r. regularly performs Asset Liability Management (ALM) studies. Transactions in the non-qualifying assets are done within the guidelines. As the post-employment benefit plans are a liability on group level, the underlying insurance and market risks are in scope of a.s.r.\u2019s risk policies (see chapter <a href=\"#n1287835\" title=\"Risk management\">7.8</a>). </p>\n<p>The overall interest-rate risk of the group is managed using interest-rate swaps and swaptions. a.s.r. manages the interest rate risk through an overlay interest hedging strategy using swaps and swaptions for the company as a whole (see chapter <a href=\"#n1287987\" title=\"Market risk\">7.8.3</a>). The swaps and swaptions are not specifically allocated to the respective post-employment benefit plans. </p>\n<p>a.s.r. has separate accounts to fund future inflation indexation for the employees and former employees included in the a.s.r. post-employment defined benefit plan. As such this has been included in the DB obligation. The fair value of these assets amounted to \u20ac\u00a0330 million (2022: \u20ac\u00a0372 million) for a.s.r. and \u20ac\u00a0603 million in relation to Aegon NL. The Aegon NL non-qualifying plan assets are ringfenced and amount to \u20ac\u00a02,374 million. </p>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n1289101\"><span class=\"number\">7.5.15.2 </span><span class=\"title-text\">Post-employment benefits other than pensions </span></h1>\n<p>The other post-employment benefits plans consist of personnel arrangements for financial products (such as mortgages and health insurance), which remain in place after retirement. </p>\n<h3 class=\"table-title\">Changes in the defined benefit obligation </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:0%;\"/><col style=\"width:14%;\"/><col style=\"width:14%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>2023 </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>2022 </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Defined benefit obligation at 1 January </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>7 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>9 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-right-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Included in income statement </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-right-1\" style=\"text-align:left;vertical-align:bottom;\">Past service cost </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-1 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\">Other </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-right-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Remeasurement of liabilities included in OCI </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-right-1\" style=\"text-align:left;vertical-align:bottom;\">Discount rate change </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-1 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\">Other assumptions change </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>2 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-1 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-right-1\" style=\"text-align:left;vertical-align:bottom;\">Benefits </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-2 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-1 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-right-1\" style=\"text-align:left;vertical-align:bottom;\">Other </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">32 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Defined benefit obligation at 31 December </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>39 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>7 </b></td></tr></tbody></table> <br/>\n<p>Experience adjustments are actuarial gains and losses that have arisen due to differences between actuarial assumptions. The following table provides information about experience adjustments with respect to qualifying plan assets and the DB obligation: </p>\n<h3 class=\"table-title\">Experience adjustments to defined benefit obligation </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:0%;\"/><col style=\"width:14%;\"/><col style=\"width:14%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;\"><b>(in \u20ac\u00a0thousands) </b></th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>2023 </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>2022 </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Experience adjustments to defined benefit obligation, loss (gain) </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-258 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,272 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\">As a % of liabilities as at 31 December </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-0.7% </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">17.8% </td></tr></tbody></table> <br/>\n<h3 class=\"table-title\">Principal actuarial assumptions and parameters at year-end </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:0%;\"/><col style=\"width:14%;\"/><col style=\"width:14%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>2023 </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>2022 </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Discount rate </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">3.3% </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">3.7% </td></tr></tbody></table> <br/>\n<p>In accordance with a.s.r.\u2019s policy, discounts on employee mortgages have been fixed in amounts granted on the reference date December 2017 and for former Aegon NL employees on the reference date January 2023. </p>\n<p>In the calculation of the DB obligation the: </p><ul><li>\n<p>Discount rate is based on an internal curve for high quality corporate bonds; </p></li><li>\n<p>For a.s.r. post employment benefit obligations the most recent mortality table \u2018AG Prognosetafel 2022\u2019 is used, in combination with a.s.r. specific experience factors for the pension portfolio; </p></li><li>\n<p>For former Aegon NL post employment benefit obligations the Aegon 2023 life tables were used. </p></li></ul>\n<p>The sensitivity of the above actuarial assumptions to feasible possible changes at the reporting date to one of the relevant actuarial assumptions whilst other assumption remain constant, would have affected the DB obligation by the amounts of \u20ac\u00a01 million increase (2022: \u20ac\u00a01 million increase) or \u20ac\u00a01 million decrease (2022: \u20ac\u00a01 million decrease) as a result of a movement of the discount rate by 1%. Former Aegon NL employees are not included in the comparative figures. </p>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n1289123\"><span class=\"number\">7.5.15.3 </span><span class=\"title-text\">Other long-term employee benefits </span></h1>\n<p>Other long-term employee benefits consist of the employer\u2019s share of liabilities arising from long-term services, such as jubilee benefits. </p>\n<h3 class=\"table-title\">Changes in other long-term employee benefits </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:0%;\"/><col style=\"width:14%;\"/><col style=\"width:14%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>2023 </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>2022 </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Net liability as at 1 January </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>12 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>14 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-right-1\" style=\"text-align:left;vertical-align:bottom;\">Total expenses </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-2 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-right-1\" style=\"text-align:left;vertical-align:bottom;\">Actuarial gains and losses </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-right-1\" style=\"text-align:left;vertical-align:bottom;\">Other </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">5 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-1 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Net liability as at 31 December </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>19 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>12 </b></td></tr></tbody></table> <br/>\n<h3 class=\"table-title\">Underlying assumptions </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:0%;\"/><col style=\"width:14%;\"/><col style=\"width:14%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>31 December 2023 </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>31 December 2022 </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Discount rate </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">3.2% </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">3.7% </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-right-1\" style=\"text-align:left;vertical-align:bottom;\">Salary increases </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2.5% </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">3.4% </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-right-1\" style=\"text-align:left;vertical-align:bottom;\">Expected remaining service years a.s.r. </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">8.3 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">8.2 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\">Expected remaining service years former Aegon NL </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">8.7 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">n.a. </td></tr></tbody></table> <br/>\n<h1 class=\"S_PARAGRAPH\" id=\"n1285399\"><span class=\"number\">7.7.5 </span><span class=\"title-text\">Employee Share Purchase Plan </span></h1>\n<p>In 2019 a.s.r. issued an employee share purchase plan (ESPP or \u2018the plan\u2019). a.s.r. employees are thereby given the opportunity to acquire a.s.r. shares at a discount. a.s.r. can suspend or withdraw the plan at any time. There is no option under the plan for either a.s.r. or the employee to settle in cash or other assets. Therefore the plan is an equity-settled share-based payments plan. </p>\n<p>In 2023, a.s.r. has introduced the revised remuneration policy for EB and MB members, see <a href=\"#n1285376\" title=\"Key management personnel remuneration\">chapter 7.7.4. </a></p>\n<p>Under the terms of the plan the granting and vesting is predefined. The grant date of the plan is the moment the employee registers to participate in the plan. The shares vest immediately on the transaction date when cash is received from the employee, unconditionally, subject only to a post-vesting transfer restriction of five years. Otherwise, there are no specific restrictions to the share (i.e. voting power, dividend restrictions). </p>\n<p>The employees purchase the shares at a discount of 18.5%. The fair value of the a.s.r. share with a lock-up of five years at the grant date equals the purchased price by the employee. The ESPP has an impact on equity through the adjustment in the treasury shares and retained earnings. See <a href=\"#n1289679\" title=\"Treasury shares\">chapter 7.5.11.5</a> Treasury shares for more information. </p>\n<p>The number of shares purchased by employees during the reporting period was 159 thousand for an amount of \u20ac\u00a05 million (2022: 124 thousand for an amount of \u20ac\u00a04 million). </p>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfEmployeeBenefitsExplanatory",
    "language": "en",
    "entity": "scheme:7245000G0HS48PZWUD53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "ixv-703": {
   "value": "\n<h1 class=\"S_PARAGRAPH\" id=\"n1289145\"><span class=\"number\">7.5.16 </span><span class=\"title-text\">Provisions </span></h1>\n<h3 class=\"table-title\">Changes in provisions </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:0%;\"/><col style=\"width:14%;\"/><col style=\"width:14%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>2023 </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>2022 </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">At 1 January </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">18 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">24 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Additional foreseen amounts </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">369 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">3 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Reversal of unused amounts </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-5 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-3 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Usages in course of year </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-12 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-6 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Acquisitions from third parties </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">3 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Other </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-3 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Changes in the composition of the group </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">44 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>At 31 December </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">414 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">18 </td></tr></tbody></table> <br/>\n<p>The provisions were created for: </p><ul><li>\n<p>Settlement to the claimants for unit-linked products </p></li><li>\n<p>VAT and legal issues; </p></li><li>\n<p>Employee restructuring expenses; </p></li><li>\n<p>Retention of disability risk instead of insuring it with UWV (Employed Persons Insurance Administration Agency); </p></li><li>\n<p>Dismantling costs wind turbines; and </p></li><li>\n<p>Other expenses. </p></li></ul>\n<p>The provision for the settlement to the claimants for unit-linked products is a provision to cover cost from legal and operational actions related to the transparency and cost discussion of investment insurance policies. At the end of November 2023, a.s.r. and five consumer protection organisations agreed on a settlement to be paid to the claimants to a maximum of \u20ac\u00a0250 million. The agreement will become final once 90% of the affiliated customers agree to the settlement. It has also been decided to set up a leniency scheme for customers who are not affiliated with the consumer protection organisations for distressing cases that are assessed on their merits. This initiative is to resolve long-lasting and historical disputes concerning unit-linked life insurances.\u00a0 The provision is calculated as the best estimate of the expenditure required to settle these claims, taking into account the settlements reached, management\u2019s opinion and consultation with its legal advisors. The provision recognised by a.s.r. to finalise the unit-linked life insurance claims amounts to \u20ac\u00a0300 million, which was recognised in the 2023 financial statements as a result of the settlement, in addition to the \u20ac\u00a037 million (2022: \u20ac\u00a037 million) recognised in the insurance liabilities as remaining portion of the previous agreements. See chapter <a href=\"#n1285470\" title=\"Pending litigation portfolio and product-related issues\">7.7.6.2</a> for details of the contingent liability relating to unit-linked products. </p>\n<p>The provision for VAT and legal issues is based on best estimates available at year-end, making allowance for expert opinions. </p>\n<p>The provisions for employee restructuring are based on arrangements agreed in the Collective Bargaining Agreement, restructuring plans, and on decisions made by a.s.r.\u2019s management. The restructuring provision amounting to \u20ac\u00a051.4 million relates mainly to the reorganisation of a.s.r. Nederland due to the integration of Aegon NL entities and the consequential program to achieve a lower cost level. This program will be continued in 2024.\u202f </p>\n<p>The timing of the outflow of resources related to these provisions is uncertain because of the unpredictability of the outcome and the time required for the settlement of disputes. </p>\n<p>An amount of \u20ac\u00a0381 million (2022: \u20ac\u00a07 million) of the provisions is expected to be settled within twelve months after the balance sheet date. </p>\n<h1 class=\"S_PARAGRAPH\" id=\"n1285423\"><span class=\"number\">7.7.6 </span><span class=\"title-text\">Contingent liabilities and assets </span></h1>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n1285445\"><span class=\"number\">7.7.6.1 </span><span class=\"title-text\">General claims and disputes </span></h1>\n<p>The group is a respondent in a number of claims, disputes and legal proceedings arising from the normal conduct of business. </p>\n<p>Provisions are formed for such occurrences if, in management\u2019s opinion and after consultation with its legal advisors, a.s.r. is likely to have to make payments and the payable amount can be estimated with sufficient reliability. The costs of the compensation scheme for unit-linked insurance contracts have been fully recognised in the financial statements based on management\u2019s best knowledge of current facts, actions, claims, complaints and events. Provisions are recognised in the liabilities arising from insurance contracts (see <a href=\"#n1288783\" title=\"Insurance contract liabilities and reinsurance contract assets\">chapter 7.5.13</a>) and legal provisions (see <a href=\"#n1289145\" title=\"Provisions\">chapter 7.5.16</a>). </p>\n<p>Dutch insurers see an increase in insurance policies complaints / claims based on grounds other than the cost compensation. Current and possible future legal proceedings could have a substantial financial and reputational impact. However it is not possible at this time to make reliable estimates of the number of expected proceedings, possible future precedents and the financial impact of current and possible future proceedings. Currently there are no indications that such a provision would be necessary for a.s.r. </p>\n<p>Legal claims on the indexation clause are causing uncertainty for the residential rental sector in the Netherlands as a whole. During 2023, one of the a.s.r. real estate funds was litigated against in relation to increasements in rental prices by the lessor as included in all standard residential contracts and in line with \u2018Raad voor Onroerende Zaken\u2019 standards. The legal department is working together with external legal advisors in order to mitigate this risk. The outcome of the current litigation is uncertain and could possibly mean that part or all the rental increasements would have to be paid back. In that case, this would not only impact a.s.r. but also the entire residential investment market. Although a.s.r. currently does not expect the pending litigation to have a material impact on a.s.r., there can be no assurances that this matter will not ultimately result in a material adverse effect on a.s.r.\u2019s business, results of operations and financial position. </p>\n<p>As for other claims and legal proceedings, against a.s.r. known to management (and for which, in accordance with the defined principles, no provision has been formed), management believes, after having sought expert advice, that these claims have no chance of success, or that a.s.r. can successfully mount a defense against them, or that the outcome of the proceedings is unlikely to result in a significant loss for a.s.r. For further information related to the Unit-Linked Products (beleggingsverzekeringen), see <a href=\"#n1285470\" title=\"Pending litigation portfolio and product-related issues\">chapter 7.7.6.2</a>. </p>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n1285470\"><span class=\"number\">7.7.6.2 </span><span class=\"title-text\">Pending litigation portfolio and product-related issues </span></h1>\n<div class=\"header header-2\">Unit-linked products (beleggingsverzekeringen) </div>\n<p>Since the end 2006 the unit-linked policies (beleggingsverzekeringen) received negative attention in the media and from political and regulatory sources. The criticism and scrutiny on unit-linked life insurance products led to significant compensation arrangements and product improvement programmes by Dutch insurance companies, including a.s.r. However, individual customers as well as policyholder advocate groups and their representatives continue to focus on the fees and charges included in products, alleged transparency aspects, as well as that consumers did not receive sufficient compensation based on the compensation arrangements. a.s.r. expects this to remain an issue for the industry for the foreseeable future. Exposure and attention will be stimulated by court cases. </p>\n<div class=\"header header-3\">Proceedings in which a.s.r. is involved </div>\n<p>a.s.r. is currently subject to a number of collective actions: </p><ul><li>\n<p>Vereniging Woekerpolis.nl </p></li><li>\n<p>Consumentenbond </p></li><li>\n<p>Stichting Wakkerpolis </p></li></ul>\n<p>The claims have been rejected by a.s.r. and a.s.r. defends itself in these legal proceedings. </p>\n<div class=\"header header-3\">Developments in 2023 </div>\n<p>On 26 September 2023, The Court of Appeal in The Hague stipulated (regarding the class action between Woekerpolis.nl and Aegon life and Aegon spaarkas) that there was no consent for certain costs and the level of cost and risk premium. Given the wide variety of products and product documentation, the ruling cannot be applied to the other cases and/or products from a.s.r. The ruling does not dictate compensation, nor has the Court of Appeal taken into consideration any of the compensation arrangements that customers may have received already in the past. The Court further ruled that there were no unfair terms, that sufficient warning had been given about the risks of these products and that there were no defective products. a.s.r. believes that the lack of consent on certain (level of) costs and risk premium is resolved by adopting levels that are considered fair and reasonable in compensation arrangements given in the past.\u00a0</p>\n<p>In November 2023, in order to resolve these long-lasting and historical disputes a.s.r. initiated a settlement agreement with five consumer protection organisations. The settlement is not an acknowledgement of too high costs, risk premiums and/or charges. a.s.r. also set up a leniency scheme for customers who are not affiliated with a consumer protection organisation for distressing cases that are assessed on their merits. All existing collective proceedings against a.s.r. and Aegon NL will be withdrawn once the 90% threshold has been achieved. No new (collective) proceeding will be initiated by the foundations nor their individual representatives against a.s.r. and/or Aegon NL. See <a href=\"#n1289145\" title=\"Provisions\">chapter 7.5.16</a> for details. </p>\n<p>As the settlement agreement will only become final once 90% of the affiliated customers agree to the settlement, it was necessary for Aegon life and Aegon spaarkas to file an appeal in cassation with the Supreme Court on 21 December 2023. </p>\n<p>Developments in similar cases against other Dutch insurers currently before regulators, Kifid and courts may also affect a.s.r. These matters will be defended; however, at this time, due to the nature and the type of claims, it is not practicable for a.s.r. to quantify a range or maximum liability or the timing of the financial impact, if any. There can be no assurance that such claims may not have a material adverse effect on a.s.r.\u2019s results of operations or financial position. However, with the November 2023 settlement agreement the remaining risks of a material adverse effect have been limited. </p>\n<div class=\"header header-2\">Optas </div>\n<p>In 2019 Optas had been merged into Aegon life, based on prior approval and instruction by the DNB. A limited number of policyholders opposed the merger and appealed the permission of DNB at the administrative Court. On 13 February 2023 the administrative Court granted the objections and annulled the permission granted by the DNB. The Court found that DNB should have required that all policyholders should have been individually informed in writing regarding the merger and given the possibility to oppose the merger. The Court also found that DNB should have shared all (including those marked classified and sensitive) documents relating to the permission to the objectors. Based on the Wft the legality of the merger is not affected by an administrative annulment. This has been confirmed by ruling of the civil Court in a case against Aegon life, that is now subject of a pending appeal. Though Aegon life does not expect the pending litigation at the civil Court to have a material impact, if any, there can be no assurances that these matters, will not ultimately result in a material adverse effect on a.s.r.'s business, results of operations and financial position. </p>\n<div class=\"header header-2\">Securities leasing products (\u201caandelenlease\u201d) </div>\n<p>Lawsuits have been brought against providers of securities leasing products (\u2018aandelenlease producten\u2019). Although sales of securities leasing products ended more than a decade ago, litigation relating to these products has resurfaced. In December 2020 Knab reached an agreement in principle on a settlement with Leaseproces B.V. for claims regarding Vliegwiel and Sprintplan customers represented by Leaseproces. On 4 June 2021 Aegon NL and Leaseproces B.V. announced it had finalised its agreement to settle these\u00a0claims. By the end of the response period, 99.7% of Vliegwiel customers and 94.5% of Sprintplan customers had agreed to the proposed settlement. Full performance of the agreement ended in 2022. There are still some individual claims pending at the courts and Kifid. </p>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n1285493\"><span class=\"number\">7.7.6.3 </span><span class=\"title-text\">Obligations and guarantees </span></h1>\n<p>Investment obligations for an amount of \u20ac\u00a0467 million (2022: \u20ac\u00a0366 million) have been assumed / issued for investment property. </p>\n<p>Investment obligations and guarantees for a total amount of \u20ac\u00a015 million (2022: \u20ac\u00a016 million) have been issued, for real estate development projects and the acquisition of property. Those guarantees were issued by principals for the execution of projects for the benefit of clients. </p>\n<p>In October 2017, Aegon NL sold its shares in Unirobe Mee\u00f9s Groep (UMG) for \u20ac\u00a0295 million to Aon Groep Nederland. Under the share purchase agreement between Aegon NL and the buyer, a.s.r. (after the business combination with Aegon NL) indemnifies and holds the buyer and its group (including UMG) harmless for and against any damage suffered or incurred which is the result of the Unit Linked Insurances Claims until 2027 with respect to Unit Linked Policies in the portfolio of UMG prior to 1 January 2017. The aggregate liability for a.s.r. is maximised at an amount equal to the purchase price. </p>\n<p>The sale of real estate which relates to properties that are under contract to be sold as per 31 December 2023 amounts to \u20ac\u00a087 million (2022: \u20ac\u00a0190 million). Real estate commitments represent the committed pipeline of investments in real estate projects. </p>\n<p>The Dutch guarantee fund for motorised traffic has a latent claim on all insurers offering legal liability products. In line with the advise of the guarantee fund a.s.r.'s contingent liability is \u20ac\u00a013 million (2022: \u20ac\u00a010 million). </p>\n<p>a.s.r. also had irrevocable facilities of \u20ac\u00a01.752 million (2022: \u20ac\u00a0391 million) which mainly relate to mortgage loan offers issued. Mortgage loan commitments represent undrawn mortgage loan facilities provided and outstanding proposals on mortgages. The sale of mortgage loans relates to pre-announced redemptions on mortgage loans and amounts to \u20ac\u00a018 million. </p>\n<p>The share of contingent liabilities incurred in relation to interests in joint ventures amounts to \u20ac\u00a014 million. These contingent liabilities not shown in the statement of financial position relate to investment obligations entered into by a.s.r. (for its share of approximately 50%) for real estate development projects of Amvest. </p>\n<p>Furthermore, a.s.r. has entered into private loans agreements (purchases \u20ac\u00a096 million; sales \u20ac\u00a0396 million) and private equity agreements (sales \u20ac\u00a0100 million). Other commitments mainly consist of future purchases of interests in investment funds and amounts to \u20ac\u00a0337 million. </p>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n1285515\"><span class=\"number\">7.7.6.4 </span><span class=\"title-text\">Expected future lease payments </span></h1>\n<p>The following table sets out the expected future lease payments for investment property and plants, showing the undiscounted lease payments to be received after the reporting date. </p>\n<h3 class=\"table-title\">Expected minimum future lease payments on non-cancellable investment property lease and plants </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:0%;\"/><col style=\"width:15%;\"/><col style=\"width:15%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">31 December 2023 </th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">31 December 2022 </th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">To be received within 1 year </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">37 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">33 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-right-1\" style=\"text-align:left;vertical-align:bottom;\">To be received between 1 and 2 years </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">30 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">29 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-right-1\" style=\"text-align:left;vertical-align:bottom;\">To be received between 2 and 3 years </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">25 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">25 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-right-1\" style=\"text-align:left;vertical-align:bottom;\">To be received between 3 and 4 years </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">20 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">21 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-right-1\" style=\"text-align:left;vertical-align:bottom;\">To be received between 4 and 5 years </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">15 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">17 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-right-1\" style=\"text-align:left;vertical-align:bottom;\">To be received after 5 years </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">97 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">89 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-right-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total undiscounted lease payments </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>224 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>214 </b></td></tr></tbody></table> <br/>\n<p>The investments properties, in retail, residential, offices and rural markets are leased to third parties, consisting of various lease terms in a range between shorter than one year and undetermined period with competitive rents mostly indexed to consumer prices. The plants are leased to third parties with lease terms longer than ten years. </p>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n1285537\"><span class=\"number\">7.7.6.5 </span><span class=\"title-text\">Contingent considerations in acquisitions </span></h1>\n<p>The consideration paid for Veherex by a.s.r. non-life includes a contingent consideration with a remaining fair value of \u20ac\u00a01,4 million to be paid over a remaining period of one year. </p>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfOtherProvisionsContingentLiabilitiesAndContingentAssetsExplanatory",
    "language": "en",
    "entity": "scheme:7245000G0HS48PZWUD53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "ixv-704": {
   "value": "\n<h1 class=\"S_PARAGRAPH\" id=\"n1289145\"><span class=\"number\">7.5.16 </span><span class=\"title-text\">Provisions </span></h1>\n<h3 class=\"table-title\">Changes in provisions </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:0%;\"/><col style=\"width:14%;\"/><col style=\"width:14%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>2023 </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>2022 </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">At 1 January </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">18 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">24 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Additional foreseen amounts </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">369 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">3 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Reversal of unused amounts </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-5 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-3 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Usages in course of year </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-12 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-6 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Acquisitions from third parties </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">3 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Other </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-3 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Changes in the composition of the group </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">44 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>At 31 December </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">414 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">18 </td></tr></tbody></table> <br/>\n<p>The provisions were created for: </p><ul><li>\n<p>Settlement to the claimants for unit-linked products </p></li><li>\n<p>VAT and legal issues; </p></li><li>\n<p>Employee restructuring expenses; </p></li><li>\n<p>Retention of disability risk instead of insuring it with UWV (Employed Persons Insurance Administration Agency); </p></li><li>\n<p>Dismantling costs wind turbines; and </p></li><li>\n<p>Other expenses. </p></li></ul>\n<p>The provision for the settlement to the claimants for unit-linked products is a provision to cover cost from legal and operational actions related to the transparency and cost discussion of investment insurance policies. At the end of November 2023, a.s.r. and five consumer protection organisations agreed on a settlement to be paid to the claimants to a maximum of \u20ac\u00a0250 million. The agreement will become final once 90% of the affiliated customers agree to the settlement. It has also been decided to set up a leniency scheme for customers who are not affiliated with the consumer protection organisations for distressing cases that are assessed on their merits. This initiative is to resolve long-lasting and historical disputes concerning unit-linked life insurances.\u00a0 The provision is calculated as the best estimate of the expenditure required to settle these claims, taking into account the settlements reached, management\u2019s opinion and consultation with its legal advisors. The provision recognised by a.s.r. to finalise the unit-linked life insurance claims amounts to \u20ac\u00a0300 million, which was recognised in the 2023 financial statements as a result of the settlement, in addition to the \u20ac\u00a037 million (2022: \u20ac\u00a037 million) recognised in the insurance liabilities as remaining portion of the previous agreements. See chapter <a href=\"#n1285470\" title=\"Pending litigation portfolio and product-related issues\">7.7.6.2</a> for details of the contingent liability relating to unit-linked products. </p>\n<p>The provision for VAT and legal issues is based on best estimates available at year-end, making allowance for expert opinions. </p>\n<p>The provisions for employee restructuring are based on arrangements agreed in the Collective Bargaining Agreement, restructuring plans, and on decisions made by a.s.r.\u2019s management. The restructuring provision amounting to \u20ac\u00a051.4 million relates mainly to the reorganisation of a.s.r. Nederland due to the integration of Aegon NL entities and the consequential program to achieve a lower cost level. This program will be continued in 2024.\u202f </p>\n<p>The timing of the outflow of resources related to these provisions is uncertain because of the unpredictability of the outcome and the time required for the settlement of disputes. </p>\n<p>An amount of \u20ac\u00a0381 million (2022: \u20ac\u00a07 million) of the provisions is expected to be settled within twelve months after the balance sheet date. </p>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfProvisionsExplanatory",
    "language": "en",
    "entity": "scheme:7245000G0HS48PZWUD53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "ixv-705": {
   "value": "\n<h1 class=\"S_PARAGRAPH\" id=\"n1289168\"><span class=\"number\">7.5.17 </span><span class=\"title-text\">Borrowings </span></h1>\n<p>See accounting policies <a href=\"#n1286760\" title=\"T. Financing\">T</a> and <a href=\"#n1286782\" title=\"U. Leasing\">U</a>. </p>\n<h3 class=\"table-title\">Borrowings </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:0%;\"/><col style=\"width:16%;\"/><col style=\"width:16%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">31 December 2023 </th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">31 December 2022 </th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Loans </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">6,295 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">126 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Lease liabilities </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">88 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">62 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total borrowings </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>6,384 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>188 </b></td></tr></tbody></table> <br/>\n<p>As at year-end, borrowings had the following terms to maturity: </p>\n<h3 class=\"table-title\">Maturity of borrowings </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:0%;\"/><col style=\"width:16%;\"/><col style=\"width:16%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">31 December 2023 </th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">31 December 2022 </th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Maturity - Falling due within 1 year </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1,233 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">20 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Maturity - Falling due between 1 and 5 years </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">3,204 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">54 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Maturity - Falling due after 5 years </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1,948 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">115 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Maturity borrowings </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>6,384 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>188 </b></td></tr></tbody></table> <br/>\n<p>Borrowings increased mainly due to the acquisition of Aegon NL, of which \u20ac\u00a0933 million are due to banks. At year-end 2023, the fair value of borrowings was \u20ac\u00a06,453 million (2022: \u20ac\u00a0185 million). For information regarding the fair value, see chapter <a href=\"#n1285283\" title=\"Financial assets and liabilities not measured at fair value\">7.7.1.2</a>. The average interest rate payable on loans was 6.01% (2022: 1.40%). The average incremental borrowing rate on the lease liabilities was 1.29% (2022 : 1.48%). </p>\n<p>On 13 July 2023, a.s.r. issued \u20ac\u00a0500 million in Residential Mortgage-Backed Security (RMBS) notes through a newly established securitisation programme called Delphinus 2023-I. The underlying pool consists of residential mortgage loans that are sold by a.s.r. life to Delphinus 2023-I B.V. The Class A notes that are issued under the programme, are rated AAA (sf)/AAA (sf) by Fitch and S&amp;P. They exhibit a weighted average life of 4.9 years and a First Optional Redemption Date (FORD) in September 2029. </p>\n<p>On 6 December 2023, Aegon life restructured \u2018Saecure 17\u2019, by expanding Saecure 17 with new mortgage loans and extending the First Optional Redemption Date (FORD) with no impact on equity and result. The nominal amount of \u20ac\u00a02,055 million of class A notes was increased to \u20ac\u00a04,350 million. The FORD is extended from the Notes Payment Date falling in October 2025 to the Notes Payment Date falling in January 2030, resulting in an expected weighted average lifetime (WAL) at restructuring of approximately 5 years. The fixed coupon of the class A notes remains unchanged at 0.50% till FORD. As all notes have been retained by Aegon life, the notes acquired by Aegon life are not recognised on the balance sheet, as there was no derecognition of the related mortgage loans. </p>\n<p>These notes can be used as collateral for the repurchase facilities (repo\u2019s) and/or reinsurance transactions that Aegon Levensverzekering has entered into with third parties, or alternatively sold to third party investors. At year-end 2023, \u20ac\u00a0375 million has been posted as collateral with respect to the longevity reinsurance contract with Canada Life Reinsurance and \u20ac\u00a0200 million has been posted as collateral with respect to the longevity reinsurance contract with RGA. </p>\n<p>The following structured entities are group companies and have been consolidated: </p><ul><li>\n<p>SAECURE 16 B.V.; </p></li><li>\n<p>SAECURE 17 B.V.; </p></li><li>\n<p>SAECURE 18 NHG B.V.; </p></li><li>\n<p>SAECURE 19 B.V.; </p></li><li>\n<p>SAECURE 20 B.V.; </p></li><li>\n<p>Aegon Hypotheken Financiering B.V.; </p></li><li>\n<p>Aegon Hypotheken Prefunding B.V.; </p></li><li>\n<p>Kigoi 2013 B.V.; </p></li><li>\n<p>Aegon Conditional Pass Through Covered Bond Company B.V.; </p></li><li>\n<p>Soft bullet program Knab; </p></li><li>\n<p>Delphinus 2023-I B.V. </p></li></ul>\n<p>The structured entities relate to the securitisation of mortgage loans or consumer credit loans. The contractual agreements with these entities do not include provisions in which a.s.r. could be required to provide financial support in certain circumstances. a.s.r. has not provided, nor has intentions to provide, financial or other support without having a contractual obligation to do so. </p>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfBorrowingsExplanatory",
    "language": "en",
    "entity": "scheme:7245000G0HS48PZWUD53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "ixv-709": {
   "value": "\n<h1 class=\"S_PARAGRAPH\" id=\"n1289193\"><span class=\"number\">7.5.18 </span><span class=\"title-text\">Savings deposits </span></h1>\n<h3 class=\"table-title\">Savings deposits </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:0%;\"/><col style=\"width:14%;\"/><col style=\"width:14%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>2023 </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>2022 </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">At 1 January </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Deposits </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">13,381 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Withdrawals </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-12,805 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Interest credited </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">69 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Other </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">64 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Changes in the composition of the group </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">11,258 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>At 31 December </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">11,967 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr></tbody></table> <br/>\n<p>The savings deposits comprise \u20ac\u00a01,134 million of savings related to \u2018Bankspaarhypotheken\u2019 (2022: nil). The received deposits related to the \u2018Bankspaarhypotheken\u2019 are directly invested in a sub participation of the mortgage of the specific client. The sub participation in the mortgages and the related deposits are shown gross in the financial statements as there is no intention to (directly) settle the deposit with the mortgage. </p>\n<p>For more detailed information about the fair value valuation of the savings, see <a href=\"#n1285283\" title=\"Financial assets and liabilities not measured at fair value\">chapter 7.7.1.2</a>. </p>\n<p>An amount of \u20ac\u00a09,925 million (2022: nil) of the savings is expected to be settled within twelve months after the balance sheet date. </p>\n<h1 class=\"S_PARAGRAPH\" id=\"n1289240\"><span class=\"number\">7.5.20 </span><span class=\"title-text\">Other liabilities </span></h1>\n<h3 class=\"table-title\">Other liabilities </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:0%;\"/><col style=\"width:14%;\"/><col style=\"width:14%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">31 December 2023 </th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">31 December 2022 </th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Financial liabilities </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Due to customers </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">186 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">53 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Trade payables </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">51 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Non-financial liabilities </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Deferred income </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">11 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">18 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Short-term employee benefits </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">28 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">22 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Other non-financial liabilities </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1,099 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">626 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total other liabilities </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1,376 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">721 </td></tr></tbody></table> <br/>\n<p>The increase in other non-financial liabilities is mainly due to the acquisition of Aegon NL (see chapter <a href=\"#n1287134\" title=\"Acquisitions\">7.4.5</a>). The remaining amount consists, amongst others, of payables, accruals related to investments and construction depots for housing mortgages. </p>\n<p>There is no difference between the carrying value of other liabilities and their fair value (see chapter <a href=\"#n1285283\" title=\"Financial assets and liabilities not measured at fair value\">7.7.1.2</a>). </p>\n<p>An amount of \u20ac\u00a063 million (2022: \u20ac\u00a018 million) of the other liabilities is expected to be settled more than one year after the balance sheet date. </p>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfLoansAndAdvancesToCustomersExplanatory",
    "language": "en",
    "entity": "scheme:7245000G0HS48PZWUD53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "ixv-712": {
   "value": "\n<h1 class=\"S_PARAGRAPH\" id=\"n1289216\"><span class=\"number\">7.5.19 </span><span class=\"title-text\">Due to banks </span></h1>\n<p>See accounting <a href=\"#n1286373\" title=\"E. Financial assets and financial liabilities\">policy E</a>. </p>\n<p>The amounts due to banks increased from \u20ac\u00a02,264 million to \u20ac\u00a04,512 million primarily as a result of the acquisition of Aegon NL. There is no significant difference between the carrying amount and the fair value of these liabilities (see chapter <a href=\"#n1285283\" title=\"Financial assets and liabilities not measured at fair value\">7.7.1.2</a>). The average interest rate for the cash collateral received in 2023 is 3.21% and based on \u20acSTR (2022: -0.01% (EONIA / \u20acSTR)). </p>\n<p>\u20ac\u00a0383 million (2022: \u20ac\u00a0450 million) of cash on the balance sheet has been borrowed by entering into repurchase agreements. The asset recognised for cash collateral paid on repurchase agreements is presented under investments. The liability recognised for cash collateral received on repurchase agreements is presented under due to banks. The entire amount due to banks is expected to be settled less than or equal to twelve months after the balance sheet date. The liability related to cash collateral received on derivate instruments is also included in due to banks. </p>\n<p>a.s.r.'s unsecured Revolving Credit Facility (RCF) amounts to \u20ac\u00a0600 million (2022: \u20ac\u00a0400 million). The RCF can be used for multiple purposes including investment purposes, balance sheet management and short-term cash flow management. As per the year - end 2023 the RCF is undrawn and fully available. </p>\n<p>An amount of \u20ac\u00a04,507 million (2022: \u20ac\u00a02,264 million) of due to banks is expected to be settled within twelve months after the balance sheet date. </p>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfLoansAndAdvancesToBanksExplanatory",
    "language": "en",
    "entity": "scheme:7245000G0HS48PZWUD53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "ixv-714": {
   "value": "\n<h1 class=\"S_PARAGRAPH\" id=\"n1289240\"><span class=\"number\">7.5.20 </span><span class=\"title-text\">Other liabilities </span></h1>\n<h3 class=\"table-title\">Other liabilities </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:0%;\"/><col style=\"width:14%;\"/><col style=\"width:14%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">31 December 2023 </th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">31 December 2022 </th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Financial liabilities </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Due to customers </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">186 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">53 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Trade payables </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">51 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Non-financial liabilities </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Deferred income </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">11 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">18 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Short-term employee benefits </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">28 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">22 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Other non-financial liabilities </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1,099 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">626 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total other liabilities </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1,376 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">721 </td></tr></tbody></table> <br/>\n<p>The increase in other non-financial liabilities is mainly due to the acquisition of Aegon NL (see chapter <a href=\"#n1287134\" title=\"Acquisitions\">7.4.5</a>). The remaining amount consists, amongst others, of payables, accruals related to investments and construction depots for housing mortgages. </p>\n<p>There is no difference between the carrying value of other liabilities and their fair value (see chapter <a href=\"#n1285283\" title=\"Financial assets and liabilities not measured at fair value\">7.7.1.2</a>). </p>\n<p>An amount of \u20ac\u00a063 million (2022: \u20ac\u00a018 million) of the other liabilities is expected to be settled more than one year after the balance sheet date. </p>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfAccruedExpensesAndOtherLiabilitiesExplanatory",
    "language": "en",
    "entity": "scheme:7245000G0HS48PZWUD53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "ixv-715": {
   "value": "\n<h1 class=\"S_PARAGRAPH\" id=\"n1289240\"><span class=\"number\">7.5.20 </span><span class=\"title-text\">Other liabilities </span></h1>\n<h3 class=\"table-title\">Other liabilities </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:0%;\"/><col style=\"width:14%;\"/><col style=\"width:14%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">31 December 2023 </th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">31 December 2022 </th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Financial liabilities </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Due to customers </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">186 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">53 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Trade payables </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">51 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Non-financial liabilities </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Deferred income </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">11 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">18 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Short-term employee benefits </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">28 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">22 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Other non-financial liabilities </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1,099 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">626 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total other liabilities </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1,376 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">721 </td></tr></tbody></table> <br/>\n<p>The increase in other non-financial liabilities is mainly due to the acquisition of Aegon NL (see chapter <a href=\"#n1287134\" title=\"Acquisitions\">7.4.5</a>). The remaining amount consists, amongst others, of payables, accruals related to investments and construction depots for housing mortgages. </p>\n<p>There is no difference between the carrying value of other liabilities and their fair value (see chapter <a href=\"#n1285283\" title=\"Financial assets and liabilities not measured at fair value\">7.7.1.2</a>). </p>\n<p>An amount of \u20ac\u00a063 million (2022: \u20ac\u00a018 million) of the other liabilities is expected to be settled more than one year after the balance sheet date. </p>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfDeferredIncomeExplanatory",
    "language": "en",
    "entity": "scheme:7245000G0HS48PZWUD53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "ixv-717": {
   "value": "\n<h1 class=\"S_PARAGRAPH\" id=\"n1289240\"><span class=\"number\">7.5.20 </span><span class=\"title-text\">Other liabilities </span></h1>\n<h3 class=\"table-title\">Other liabilities </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:0%;\"/><col style=\"width:14%;\"/><col style=\"width:14%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">31 December 2023 </th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">31 December 2022 </th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Financial liabilities </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Due to customers </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">186 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">53 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Trade payables </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">51 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Non-financial liabilities </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Deferred income </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">11 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">18 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Short-term employee benefits </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">28 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">22 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Other non-financial liabilities </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1,099 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">626 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total other liabilities </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1,376 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">721 </td></tr></tbody></table> <br/>\n<p>The increase in other non-financial liabilities is mainly due to the acquisition of Aegon NL (see chapter <a href=\"#n1287134\" title=\"Acquisitions\">7.4.5</a>). The remaining amount consists, amongst others, of payables, accruals related to investments and construction depots for housing mortgages. </p>\n<p>There is no difference between the carrying value of other liabilities and their fair value (see chapter <a href=\"#n1285283\" title=\"Financial assets and liabilities not measured at fair value\">7.7.1.2</a>). </p>\n<p>An amount of \u20ac\u00a063 million (2022: \u20ac\u00a018 million) of the other liabilities is expected to be settled more than one year after the balance sheet date. </p>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfInvestmentContractsLiabilitiesExplanatory",
    "language": "en",
    "entity": "scheme:7245000G0HS48PZWUD53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "ixv-719": {
   "value": "\n<h1 class=\"S_PARAGRAPH\" id=\"n1289240\"><span class=\"number\">7.5.20 </span><span class=\"title-text\">Other liabilities </span></h1>\n<h3 class=\"table-title\">Other liabilities </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:0%;\"/><col style=\"width:14%;\"/><col style=\"width:14%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">31 December 2023 </th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">31 December 2022 </th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Financial liabilities </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Due to customers </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">186 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">53 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Trade payables </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">51 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Non-financial liabilities </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Deferred income </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">11 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">18 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Short-term employee benefits </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">28 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">22 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Other non-financial liabilities </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1,099 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">626 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total other liabilities </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1,376 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">721 </td></tr></tbody></table> <br/>\n<p>The increase in other non-financial liabilities is mainly due to the acquisition of Aegon NL (see chapter <a href=\"#n1287134\" title=\"Acquisitions\">7.4.5</a>). The remaining amount consists, amongst others, of payables, accruals related to investments and construction depots for housing mortgages. </p>\n<p>There is no difference between the carrying value of other liabilities and their fair value (see chapter <a href=\"#n1285283\" title=\"Financial assets and liabilities not measured at fair value\">7.7.1.2</a>). </p>\n<p>An amount of \u20ac\u00a063 million (2022: \u20ac\u00a018 million) of the other liabilities is expected to be settled more than one year after the balance sheet date. </p>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfOtherCurrentLiabilitiesExplanatory",
    "language": "en",
    "entity": "scheme:7245000G0HS48PZWUD53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "ixv-720": {
   "value": "\n<h1 class=\"S_PARAGRAPH\" id=\"n1289240\"><span class=\"number\">7.5.20 </span><span class=\"title-text\">Other liabilities </span></h1>\n<h3 class=\"table-title\">Other liabilities </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:0%;\"/><col style=\"width:14%;\"/><col style=\"width:14%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">31 December 2023 </th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">31 December 2022 </th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Financial liabilities </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Due to customers </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">186 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">53 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Trade payables </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">51 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Non-financial liabilities </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Deferred income </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">11 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">18 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Short-term employee benefits </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">28 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">22 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Other non-financial liabilities </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1,099 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">626 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total other liabilities </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1,376 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">721 </td></tr></tbody></table> <br/>\n<p>The increase in other non-financial liabilities is mainly due to the acquisition of Aegon NL (see chapter <a href=\"#n1287134\" title=\"Acquisitions\">7.4.5</a>). The remaining amount consists, amongst others, of payables, accruals related to investments and construction depots for housing mortgages. </p>\n<p>There is no difference between the carrying value of other liabilities and their fair value (see chapter <a href=\"#n1285283\" title=\"Financial assets and liabilities not measured at fair value\">7.7.1.2</a>). </p>\n<p>An amount of \u20ac\u00a063 million (2022: \u20ac\u00a018 million) of the other liabilities is expected to be settled more than one year after the balance sheet date. </p>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfOtherLiabilitiesExplanatory",
    "language": "en",
    "entity": "scheme:7245000G0HS48PZWUD53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "ixv-721": {
   "value": "\n<h1 class=\"S_PARAGRAPH\" id=\"n1289240\"><span class=\"number\">7.5.20 </span><span class=\"title-text\">Other liabilities </span></h1>\n<h3 class=\"table-title\">Other liabilities </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:0%;\"/><col style=\"width:14%;\"/><col style=\"width:14%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">31 December 2023 </th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">31 December 2022 </th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Financial liabilities </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Due to customers </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">186 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">53 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Trade payables </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">51 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Non-financial liabilities </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Deferred income </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">11 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">18 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Short-term employee benefits </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">28 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">22 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Other non-financial liabilities </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1,099 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">626 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total other liabilities </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1,376 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">721 </td></tr></tbody></table> <br/>\n<p>The increase in other non-financial liabilities is mainly due to the acquisition of Aegon NL (see chapter <a href=\"#n1287134\" title=\"Acquisitions\">7.4.5</a>). The remaining amount consists, amongst others, of payables, accruals related to investments and construction depots for housing mortgages. </p>\n<p>There is no difference between the carrying value of other liabilities and their fair value (see chapter <a href=\"#n1285283\" title=\"Financial assets and liabilities not measured at fair value\">7.7.1.2</a>). </p>\n<p>An amount of \u20ac\u00a063 million (2022: \u20ac\u00a018 million) of the other liabilities is expected to be settled more than one year after the balance sheet date. </p>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfOtherNoncurrentLiabilitiesExplanatory",
    "language": "en",
    "entity": "scheme:7245000G0HS48PZWUD53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "ixv-723": {
   "value": "\n<h1 class=\"S_PARAGRAPH\" id=\"n1289240\"><span class=\"number\">7.5.20 </span><span class=\"title-text\">Other liabilities </span></h1>\n<h3 class=\"table-title\">Other liabilities </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:0%;\"/><col style=\"width:14%;\"/><col style=\"width:14%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">31 December 2023 </th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">31 December 2022 </th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Financial liabilities </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Due to customers </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">186 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">53 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Trade payables </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">51 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Non-financial liabilities </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Deferred income </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">11 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">18 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Short-term employee benefits </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">28 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">22 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Other non-financial liabilities </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1,099 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">626 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total other liabilities </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1,376 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">721 </td></tr></tbody></table> <br/>\n<p>The increase in other non-financial liabilities is mainly due to the acquisition of Aegon NL (see chapter <a href=\"#n1287134\" title=\"Acquisitions\">7.4.5</a>). The remaining amount consists, amongst others, of payables, accruals related to investments and construction depots for housing mortgages. </p>\n<p>There is no difference between the carrying value of other liabilities and their fair value (see chapter <a href=\"#n1285283\" title=\"Financial assets and liabilities not measured at fair value\">7.7.1.2</a>). </p>\n<p>An amount of \u20ac\u00a063 million (2022: \u20ac\u00a018 million) of the other liabilities is expected to be settled more than one year after the balance sheet date. </p>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfTradeAndOtherPayablesExplanatory",
    "language": "en",
    "entity": "scheme:7245000G0HS48PZWUD53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "ixv-724": {
   "value": "\n<h1 class=\"S_PARAGRAPH\" id=\"n1285904\"><span class=\"number\">7.6.1 </span><span class=\"title-text\">Insurance contract revenue </span></h1>\n<p>See <a href=\"#n1286804\" title=\"V1. Insurance contract revenue\">accounting policy V1</a>. </p>\n<h3 class=\"table-title\">Insurance contract revenue </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:auto;\"/><col style=\"width:20%;\"/><col style=\"width:20%;\"/><col style=\"width:20%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;\">2023 </th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Non-life </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Life </b></th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Total </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Contracts not measured under the PAA </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Amounts relating to changes in liabilities for remaining coverage: </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">- Expected insurance claims, benefits and expenses </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1,465 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,362 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">3,827 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">- Release of the risk adjustment for non-financial risk for risk expired </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">33 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">120 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">154 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">- CSM recognised in profit or loss for services provided </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">70 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">210 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">280 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">- Other/ experience adjustments arising from premiums not relating to future service </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">94 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">17 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">111 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Recovery of insurance acquisition cash flows </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">24 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">6 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">30 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>1,686 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>2,716 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>4,402 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Contracts measured under the PAA </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>3,693 </b></td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>3,693 </b></td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total insurance contract revenue </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>5,379 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>2,716 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>8,095 </b></td></tr></tbody></table> <br/>\n<h3 class=\"table-title\">Insurance contract revenue </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:auto;\"/><col style=\"width:20%;\"/><col style=\"width:20%;\"/><col style=\"width:20%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;\">2022 </th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Non-life </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Life </b></th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Total </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Contracts not measured under the PAA </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Amounts relating to changes in liabilities for remaining coverage: </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">- Expected insurance claims, benefits and expenses </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,257 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,081 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2,338 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">- Release of the risk adjustment for non-financial risk for risk expired </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">27 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">108 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">136 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">- CSM recognised in profit or loss for services provided </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">24 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">97 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">121 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">- Other/ experience adjustments arising from premiums not relating to future service </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">133 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">13 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">146 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Recovery of insurance acquisition cash flows </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">9 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">5 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">15 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>1,451 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>1,305 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>2,755 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Contracts measured under the PAA </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1\" style=\"text-align:right;vertical-align:bottom;\"><b>2,792 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1\" style=\"text-align:right;vertical-align:bottom;\"><b>2,792 </b></td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total insurance contract revenue </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>4,242 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>1,305 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>5,547 </b></td></tr></tbody></table> <br/>\n<p>The increase in total Non-life (\u20ac\u00a01,137\u00a0million) and Life (\u20ac\u00a01,412\u00a0million) insurance contract revenue is mostly related to the acquired activities of Aegon NL. Furthermore, the Non-life increase is also driven by organic growth of the Health portfolio and Life by organic business growth of Pension DC-propositions. </p>\n<p>The insurance contract revenue related to the a.s.r. and Aegon NL post-employment benefit plans of \u20ac\u00a0182 million (2022: \u20ac\u00a0142 million related to a.s.r.) are not included in the life figures since these have been eliminated in the consolidation process. </p>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfInsurancePremiumRevenueExplanatory",
    "language": "en",
    "entity": "scheme:7245000G0HS48PZWUD53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "ixv-725": {
   "value": "\n<h1 class=\"S_PARAGRAPH\" id=\"n1285904\"><span class=\"number\">7.6.1 </span><span class=\"title-text\">Insurance contract revenue </span></h1>\n<p>See <a href=\"#n1286804\" title=\"V1. Insurance contract revenue\">accounting policy V1</a>. </p>\n<h3 class=\"table-title\">Insurance contract revenue </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:auto;\"/><col style=\"width:20%;\"/><col style=\"width:20%;\"/><col style=\"width:20%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;\">2023 </th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Non-life </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Life </b></th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Total </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Contracts not measured under the PAA </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Amounts relating to changes in liabilities for remaining coverage: </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">- Expected insurance claims, benefits and expenses </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1,465 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,362 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">3,827 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">- Release of the risk adjustment for non-financial risk for risk expired </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">33 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">120 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">154 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">- CSM recognised in profit or loss for services provided </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">70 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">210 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">280 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">- Other/ experience adjustments arising from premiums not relating to future service </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">94 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">17 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">111 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Recovery of insurance acquisition cash flows </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">24 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">6 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">30 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>1,686 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>2,716 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>4,402 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Contracts measured under the PAA </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>3,693 </b></td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>3,693 </b></td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total insurance contract revenue </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>5,379 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>2,716 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>8,095 </b></td></tr></tbody></table> <br/>\n<h3 class=\"table-title\">Insurance contract revenue </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:auto;\"/><col style=\"width:20%;\"/><col style=\"width:20%;\"/><col style=\"width:20%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;\">2022 </th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Non-life </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Life </b></th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Total </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Contracts not measured under the PAA </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Amounts relating to changes in liabilities for remaining coverage: </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">- Expected insurance claims, benefits and expenses </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,257 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,081 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2,338 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">- Release of the risk adjustment for non-financial risk for risk expired </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">27 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">108 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">136 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">- CSM recognised in profit or loss for services provided </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">24 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">97 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">121 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">- Other/ experience adjustments arising from premiums not relating to future service </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">133 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">13 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">146 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Recovery of insurance acquisition cash flows </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">9 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">5 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">15 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>1,451 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>1,305 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>2,755 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Contracts measured under the PAA </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1\" style=\"text-align:right;vertical-align:bottom;\"><b>2,792 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1\" style=\"text-align:right;vertical-align:bottom;\"><b>2,792 </b></td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total insurance contract revenue </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>4,242 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>1,305 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>5,547 </b></td></tr></tbody></table> <br/>\n<p>The increase in total Non-life (\u20ac\u00a01,137\u00a0million) and Life (\u20ac\u00a01,412\u00a0million) insurance contract revenue is mostly related to the acquired activities of Aegon NL. Furthermore, the Non-life increase is also driven by organic growth of the Health portfolio and Life by organic business growth of Pension DC-propositions. </p>\n<p>The insurance contract revenue related to the a.s.r. and Aegon NL post-employment benefit plans of \u20ac\u00a0182 million (2022: \u20ac\u00a0142 million related to a.s.r.) are not included in the life figures since these have been eliminated in the consolidation process. </p>\n<h1 class=\"S_PARAGRAPH\" id=\"n1285973\"><span class=\"number\">7.6.4 </span><span class=\"title-text\">Direct investment income </span></h1>\n<p>See accounting policy <a href=\"#n1286848\" title=\"V3. Investment income\">V3</a>. </p>\n<h3 class=\"table-title\">Direct investment income </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:auto;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>2023 </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>2022 </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Interest income from investments at FVTPL </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1,530 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">779 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Interest income from derivatives </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,318 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">659 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Interest income from investments at FVOCI </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">18 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Interest income from debt instruments at amortised cost </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">340 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total interest income </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>4,205 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>1,439 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Dividends received </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">283 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">187 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Investment income related to direct participating insurance contracts </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">10 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">10 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Rental income from investment property </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">91 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">58 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Other direct investment income </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">44 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">14 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total dividend and other investment income </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>428 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>269 </b></td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total direct investment income </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>4,633 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>1,708 </b></td></tr></tbody></table> <br/>\n<p>Interest income increased mainly due to the assets acquired through the acquisition of Aegon NL. In addition, more interest income from derivatives is recognised compared to last year due to increasing interest rates. </p>\n<p>For equity instruments measured at FVOCI, dividends received during the year amount to \u20ac\u00a072 million (2022: \u20ac\u00a065 million), of which \u20ac\u00a019 million (2022: \u20ac\u00a08 million) relates to instruments derecognised during the year. </p>\n<p>The effective interest method has been applied to an amount of \u20ac\u00a0357 million (2022: \u20ac\u00a01 million) of the interest income from financial instruments not classified at FVTPL. Included within interest income is nil (2022: nil) of interest received on impaired fixed-income securities. </p>\n<div class=\"tanPageBreak newPage\"> </div>\n<h1 class=\"S_PARAGRAPH\" id=\"n1285996\"><span class=\"number\">7.6.5 </span><span class=\"title-text\">Net fair value gains and (losses) </span></h1>\n<p>See accounting policy <a href=\"#n1286351\" title=\"D. Investment property\">D</a> and <a href=\"#n1286373\" title=\"E. Financial assets and financial liabilities\">E</a>. </p>\n<h3 class=\"table-title\">Net fair value gains and (losses) per category </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:0%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>2023 </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>2022 </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Net fair value gains and (losses) on financial instruments measured at FVTPL </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Investments </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">- Real estate equity funds </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-200 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-12 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">- Mortgage equity funds </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-5 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-237 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">- Government bonds </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">814 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-3,226 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">- Corporate bonds </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">364 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-1,283 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">- Asset-backed securities </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-6 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-8 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">- Rural property contracts </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">12 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">- Other investment funds </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">81 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-197 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">- Other equity funds </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">30 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-2 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">- Mortgage loans </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">251 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-2,085 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">- Private loans </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">236 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-670 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Investments related to direct participating insurance contracts </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,325 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-1,953 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Derivatives </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">926 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-5,739 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Cash and cash equivalents </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-4 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-1 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>4,812 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-15,401 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Net fair value gains and (losses) on financial instruments not measured at FVTPL </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Net foreign exchange gains and losses </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-2 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Derecognition of financial liabilities at amortised cost </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-1 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-2 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Other net fair value gains and (losses) </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Investment property, property for own use and plant </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-91 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">117 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-91 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>117 </b></td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total net fair value gains and (losses) </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>4,718 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-15,284 </b></td></tr></tbody></table> <br/>\n<p>Negative fair value gains and losses in 2022 were due to strongly increasing interest rates and widening of credit spreads during the period. In 2023, interest rates were more stable. Net fair value gains and losses are mainly due to movements in interest rates and includes fair value gains and losses on assets acquired through the acquisition of Aegon NL. Net fair value gains and losses for investments related to direct participating insurance contracts are mainly due to movements in interest rates as well as movements in stock prices. </p>\n<h1 class=\"S_PARAGRAPH\" id=\"n1286046\"><span class=\"number\">7.6.7 </span><span class=\"title-text\">Net finance income and expenses from (re)insurance contracts </span></h1>\n<p>See <a href=\"#n1286870\" title=\"V4. Insurance finance income and expenses\">accounting policy V4</a>. </p>\n<p>The table below analyses the sources of finance income and expenses recognised in profit or loss and other comprehensive income in relation to the total net finance expenses from (re)insurance contracts. </p>\n<h3 class=\"table-title\">Investment and (re)insurance finance result current period </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:35%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top align-left border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\"><b>31 December 2023 </b></th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Non-Life </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Life GMM </b></th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Life VFA </b></th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Other </b></th><th class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Total </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Investment income </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Direct investment income </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">392 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">3,583 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">10 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">647 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">4,633 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Net fair value gains and (losses) </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">186 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,247 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,325 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-40 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">4,718 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Net impairment (loss)/reversal on financial assets </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-21 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-20 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Amounts recognised in other comprehensive income </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">56 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">162 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">10 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">227 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total investment income </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>634 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>5,993 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>2,335 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>596 </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>9,558 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Net finance expenses from insurance contracts </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Changes in fair value of underlying items of direct participating contracts </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-2,288 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-2,288 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Effects of risk mitigation option </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-239 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-239 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Interest accreted </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-225 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-1,348 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-19 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-1,592 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Effect of changes in interest rates and other financial assumptions </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-33 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-1,232 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">10 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-1,255 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Effect of measuring changes in estimates at current rates and adjusting the CSM at rates on initial recognition </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">5 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">164 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">169 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total net finance expenses from insurance contracts </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-253 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-2,416 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-2,536 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-5,205 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Net finance income from reinsurance contracts </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Interest accreted </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">8 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-3 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">5 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Other </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-14 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-11 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total net finance income from reinsurance contracts </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>10 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-16 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-6 </b></td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>391 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>3,561 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-201 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>596 </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>4,347 </b></td></tr></tbody></table> <br/>\n<h3 class=\"table-title\">Investment and (re)insurance finance result prior period </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:0%;\"/><col style=\"width:15%;\"/><col style=\"width:15%;\"/><col style=\"width:15%;\"/><col style=\"width:15%;\"/><col style=\"width:15%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top align-left border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\"><b>31 December 2022 </b></th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Non-Life </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Life GMM </b></th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Life VFA </b></th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Other </b></th><th class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Total </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Investment income </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Direct investment income </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">193 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,498 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">10 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">6 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,708 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Net fair value gains and (losses) </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-1,489 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-11,830 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-1,953 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-12 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-15,284 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Amounts recognised in other comprehensive income </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-130 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-273 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-402 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total investment income </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-1,426 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-10,606 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-1,943 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-4 </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-13,978 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Net finance expenses from insurance contracts </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Changes in fair value of underlying items of direct participating contracts </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,966 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,966 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Interest accreted </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">18 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">107 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">127 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Effect of changes in interest rates and other financial assumptions </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,272 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">8,479 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">148 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">9,899 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Effect of measuring changes in estimates at current rates and adjusting the CSM at rates on initial recognition </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-1 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-88 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-89 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total net finance expenses from insurance contracts </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>1,289 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>8,498 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>2,117 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>11,903 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Net finance income from reinsurance contracts </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Interest accreted </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-1 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">\u00a0</td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Other </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-27 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-40 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-67 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total net finance income from reinsurance contracts </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-26 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-41 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-67 </b></td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-163 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-2,149 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>174 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-4 </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-2,142 </b></td></tr></tbody></table> <br/>\n<p>Direct investment income increased due to increasing interest rates. </p>\n<p>See <a href=\"#n1285996\" title=\"Net fair value gains and (losses)\">chapter 7.6.5</a> for more information regarding net fair value gains and (losses). </p>\n<p>Amounts recognised in other comprehensive income relate to revaluation of equity and debt instruments held at FVOCI. </p>\n<h1 class=\"S_PARAGRAPH\" id=\"n1285813\"><span class=\"number\">7.6.9 </span><span class=\"title-text\">Fee income </span></h1>\n<h3 class=\"table-title\">Fee income </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:auto;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>2023 </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>2022 </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Asset management for third parties </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">85 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">66 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Other fee income </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">250 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">134 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total fee income </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>334 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>200 </b></td></tr></tbody></table> <br/>\n<p>Other fee income mainly relates to the fee income from the Distribution and Services entities. The increase in other fee income is mostly related to the acquired activities of Aegon NL. </p>\n<h1 class=\"S_PARAGRAPH\" id=\"n1285835\"><span class=\"number\">7.6.10 </span><span class=\"title-text\">Other income </span></h1>\n<h3 class=\"table-title\">Other income </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:auto;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>2023 </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>2022 </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Proceeds from sales of property developments </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">25 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">11 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Revenues generated by wind farms and solar parks </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">63 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">88 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Revenues projects </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">10 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Other income </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">290 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">11 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total other income </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>389 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>109 </b></td></tr></tbody></table> <br/>\n<p>Other income relates mainly to the bargain purchase of \u20ac\u00a0153 million on the Aegon NL transaction and to the Framework Asset Management Agreement (FAMA) between Aegon Ltd. and a.s.r. for \u20ac\u00a075 million, see <a href=\"#n1287134\" title=\"Acquisitions\">chapter 7.4.5</a>. </p>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfRevenueExplanatory",
    "language": "en",
    "entity": "scheme:7245000G0HS48PZWUD53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "ixv-726": {
   "value": "\n<h1 class=\"S_PARAGRAPH\" id=\"n1285904\"><span class=\"number\">7.6.1 </span><span class=\"title-text\">Insurance contract revenue </span></h1>\n<p>See <a href=\"#n1286804\" title=\"V1. Insurance contract revenue\">accounting policy V1</a>. </p>\n<h3 class=\"table-title\">Insurance contract revenue </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:auto;\"/><col style=\"width:20%;\"/><col style=\"width:20%;\"/><col style=\"width:20%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;\">2023 </th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Non-life </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Life </b></th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Total </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Contracts not measured under the PAA </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Amounts relating to changes in liabilities for remaining coverage: </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">- Expected insurance claims, benefits and expenses </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1,465 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,362 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">3,827 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">- Release of the risk adjustment for non-financial risk for risk expired </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">33 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">120 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">154 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">- CSM recognised in profit or loss for services provided </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">70 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">210 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">280 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">- Other/ experience adjustments arising from premiums not relating to future service </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">94 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">17 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">111 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Recovery of insurance acquisition cash flows </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">24 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">6 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">30 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>1,686 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>2,716 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>4,402 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Contracts measured under the PAA </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>3,693 </b></td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>3,693 </b></td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total insurance contract revenue </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>5,379 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>2,716 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>8,095 </b></td></tr></tbody></table> <br/>\n<h3 class=\"table-title\">Insurance contract revenue </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:auto;\"/><col style=\"width:20%;\"/><col style=\"width:20%;\"/><col style=\"width:20%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;\">2022 </th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Non-life </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Life </b></th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Total </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Contracts not measured under the PAA </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Amounts relating to changes in liabilities for remaining coverage: </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">- Expected insurance claims, benefits and expenses </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,257 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,081 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2,338 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">- Release of the risk adjustment for non-financial risk for risk expired </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">27 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">108 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">136 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">- CSM recognised in profit or loss for services provided </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">24 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">97 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">121 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">- Other/ experience adjustments arising from premiums not relating to future service </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">133 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">13 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">146 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Recovery of insurance acquisition cash flows </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">9 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">5 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">15 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>1,451 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>1,305 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>2,755 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Contracts measured under the PAA </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1\" style=\"text-align:right;vertical-align:bottom;\"><b>2,792 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1\" style=\"text-align:right;vertical-align:bottom;\"><b>2,792 </b></td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total insurance contract revenue </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>4,242 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>1,305 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>5,547 </b></td></tr></tbody></table> <br/>\n<p>The increase in total Non-life (\u20ac\u00a01,137\u00a0million) and Life (\u20ac\u00a01,412\u00a0million) insurance contract revenue is mostly related to the acquired activities of Aegon NL. Furthermore, the Non-life increase is also driven by organic growth of the Health portfolio and Life by organic business growth of Pension DC-propositions. </p>\n<p>The insurance contract revenue related to the a.s.r. and Aegon NL post-employment benefit plans of \u20ac\u00a0182 million (2022: \u20ac\u00a0142 million related to a.s.r.) are not included in the life figures since these have been eliminated in the consolidation process. </p>\n<h1 class=\"S_PARAGRAPH\" id=\"n1285813\"><span class=\"number\">7.6.9 </span><span class=\"title-text\">Fee income </span></h1>\n<h3 class=\"table-title\">Fee income </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:auto;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>2023 </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>2022 </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Asset management for third parties </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">85 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">66 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Other fee income </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">250 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">134 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total fee income </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>334 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>200 </b></td></tr></tbody></table> <br/>\n<p>Other fee income mainly relates to the fee income from the Distribution and Services entities. The increase in other fee income is mostly related to the acquired activities of Aegon NL. </p>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfRevenueFromContractsWithCustomersExplanatory",
    "language": "en",
    "entity": "scheme:7245000G0HS48PZWUD53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "ixv-728": {
   "value": "\n<h1 class=\"S_PARAGRAPH\" id=\"n1285927\"><span class=\"number\">7.6.2 </span><span class=\"title-text\">Insurance service expenses </span></h1>\n<p>See <a href=\"#n1286826\" title=\"V2. Insurance service expenses\">accounting policy V2</a>. </p>\n<p>Total insurance service expenses increased by \u20ac\u00a02,041 million to \u20ac\u00a07,628 million comprising claims and benefits (\u20ac\u00a01,864 million increase) and insurance service operating expenses (\u20ac\u00a0177 million increase). This increase is mainly driven by the acquired activities of Aegon NL. The claims and benefits additionally increased mainly due to growth in the number of insured persons in the Health business. </p>\n<h1 class=\"S_PARAGRAPH\" id=\"n1285950\"><span class=\"number\">7.6.3 </span><span class=\"title-text\">Net expenses from reinsurance contracts </span></h1>\n<p>See <a href=\"#n1286804\" title=\"V1. Insurance contract revenue\">accounting policy V1</a>. </p>\n<h3 class=\"table-title\">Net expenses from reinsurance contracts </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:40.1%;\"/><col style=\"width:9.9%;\"/><col style=\"width:10.2%;\"/><col style=\"width:10.1%;\"/><col style=\"width:9.7%;\"/><col style=\"width:10%;\"/><col style=\"width:10%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom border-bottom-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;\">2023 </th><th class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-5 endCol-5 valign-bottom border-bottom-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;\">2022 </th><th class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-bottom border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Non-Life </td><td class=\"startCol-3 endCol-3 valign-bottom border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Life </td><td class=\"startCol-4 endCol-4 valign-bottom border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Total </td><td class=\"startCol-5 endCol-5 valign-bottom border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Non-Life </td><td class=\"startCol-6 endCol-6 valign-bottom border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Life </td><td class=\"startCol-7 endCol-7 valign-bottom border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Total </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Allocation of reinsurance premiums paid </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-122 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-438 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-560 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-92 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-17 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-110 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Amounts recoverable from reinsurers </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">110 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">422 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">532 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">75 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">12 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">86 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Net expenses from reinsurance contracts </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-12 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-16 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-27 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-18 </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-6 </b></td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-23 </b></td></tr></tbody></table> <br/>\n<h1 class=\"S_PARAGRAPH\" id=\"n1286046\"><span class=\"number\">7.6.7 </span><span class=\"title-text\">Net finance income and expenses from (re)insurance contracts </span></h1>\n<p>See <a href=\"#n1286870\" title=\"V4. Insurance finance income and expenses\">accounting policy V4</a>. </p>\n<p>The table below analyses the sources of finance income and expenses recognised in profit or loss and other comprehensive income in relation to the total net finance expenses from (re)insurance contracts. </p>\n<h3 class=\"table-title\">Investment and (re)insurance finance result current period </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:35%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top align-left border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\"><b>31 December 2023 </b></th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Non-Life </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Life GMM </b></th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Life VFA </b></th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Other </b></th><th class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Total </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Investment income </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Direct investment income </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">392 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">3,583 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">10 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">647 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">4,633 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Net fair value gains and (losses) </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">186 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,247 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,325 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-40 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">4,718 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Net impairment (loss)/reversal on financial assets </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-21 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-20 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Amounts recognised in other comprehensive income </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">56 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">162 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">10 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">227 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total investment income </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>634 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>5,993 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>2,335 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>596 </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>9,558 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Net finance expenses from insurance contracts </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Changes in fair value of underlying items of direct participating contracts </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-2,288 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-2,288 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Effects of risk mitigation option </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-239 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-239 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Interest accreted </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-225 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-1,348 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-19 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-1,592 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Effect of changes in interest rates and other financial assumptions </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-33 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-1,232 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">10 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-1,255 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Effect of measuring changes in estimates at current rates and adjusting the CSM at rates on initial recognition </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">5 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">164 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">169 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total net finance expenses from insurance contracts </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-253 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-2,416 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-2,536 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-5,205 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Net finance income from reinsurance contracts </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Interest accreted </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">8 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-3 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">5 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Other </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-14 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-11 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total net finance income from reinsurance contracts </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>10 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-16 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-6 </b></td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>391 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>3,561 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-201 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>596 </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>4,347 </b></td></tr></tbody></table> <br/>\n<h3 class=\"table-title\">Investment and (re)insurance finance result prior period </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:0%;\"/><col style=\"width:15%;\"/><col style=\"width:15%;\"/><col style=\"width:15%;\"/><col style=\"width:15%;\"/><col style=\"width:15%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top align-left border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\"><b>31 December 2022 </b></th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Non-Life </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Life GMM </b></th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Life VFA </b></th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Other </b></th><th class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Total </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Investment income </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Direct investment income </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">193 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,498 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">10 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">6 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,708 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Net fair value gains and (losses) </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-1,489 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-11,830 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-1,953 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-12 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-15,284 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Amounts recognised in other comprehensive income </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-130 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-273 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-402 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total investment income </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-1,426 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-10,606 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-1,943 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-4 </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-13,978 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Net finance expenses from insurance contracts </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Changes in fair value of underlying items of direct participating contracts </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,966 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,966 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Interest accreted </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">18 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">107 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">127 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Effect of changes in interest rates and other financial assumptions </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,272 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">8,479 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">148 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">9,899 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Effect of measuring changes in estimates at current rates and adjusting the CSM at rates on initial recognition </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-1 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-88 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-89 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total net finance expenses from insurance contracts </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>1,289 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>8,498 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>2,117 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>11,903 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Net finance income from reinsurance contracts </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Interest accreted </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-1 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">\u00a0</td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Other </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-27 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-40 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-67 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total net finance income from reinsurance contracts </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-26 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-41 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-67 </b></td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-163 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-2,149 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>174 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-4 </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-2,142 </b></td></tr></tbody></table> <br/>\n<p>Direct investment income increased due to increasing interest rates. </p>\n<p>See <a href=\"#n1285996\" title=\"Net fair value gains and (losses)\">chapter 7.6.5</a> for more information regarding net fair value gains and (losses). </p>\n<p>Amounts recognised in other comprehensive income relate to revaluation of equity and debt instruments held at FVOCI. </p>\n<h1 class=\"S_PARAGRAPH\" id=\"n1285788\"><span class=\"number\">7.6.8 </span><span class=\"title-text\">Other finance expenses </span></h1>\n<h3 class=\"table-title\">Breakdown of the other finance expenses </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:auto;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>2023 </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>2022 </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Other finance expenses on financial liabilities not measured at fair value </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Subordinated liabilities </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-115 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-51 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Borrowings </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-198 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-3 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Savings deposits </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-60 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Due to banks </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-91 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-11 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Other financial liabilities </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-2 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-2 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Other finance expenses on other liabilities </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Employee benefits </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-142 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-35 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Derivatives </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-2,117 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-313 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Other finance or fee expenses </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-11 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-5 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Interest expenses on financial assets </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-1 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-28 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total other finance expenses </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-2,736 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-449 </b></td></tr></tbody></table> <br/>\n<p>Finance expenses on subordinated liabilities increased due to \u20ac\u00a01 billion Tier 2 notes issued on 22 November 2022, see chapter <a href=\"#n1288760\" title=\"Subordinated liabilities\">7.5.12.</a>The increase in finance expenses on borrowings is mainly due to the acquisition of Aegon NL, see chapter <a href=\"#n1287134\" title=\"Acquisitions\">7.4.5</a>. </p>\n<p>The increase in finance expenses on employee benefits is due to the acquisition of Aegon NL, and due to a higher interest accrual on the DB obligation of post-employment benefits pensions as a result of an increased discount rate, see chapter <a href=\"#n1289054\" title=\"Employee benefits\">7.5.15</a>. The interest expense is calculated based on interest rates as of 31 December of the previous year. (31 December 2022: 3.67%; 31 December 2021: 0.90%). </p>\n<p>Finance expenses on derivatives increased due to increased variable interest rates and the acquisition of Aegon NL. </p>\n<h1 class=\"S_PARAGRAPH\" id=\"n1285858\"><span class=\"number\">7.6.11 </span><span class=\"title-text\">Operating and other expenses </span></h1>\n<h3 class=\"table-title\">Operating and other expenses </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:67%;\"/><col style=\"width:16%;\"/><col style=\"width:17%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>2023 </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>2022 </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Salaries and wages </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-463 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-316 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Social security contributions </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-64 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-41 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Employee benefit charges </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-88 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-61 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Employee discounts </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-3 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-3 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Other short-term employee benefits </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-24 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-12 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total cost of own staff </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-642 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-433 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Cost of external staff </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-94 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-98 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Consultancy costs and fees </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-151 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-111 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Marketing, advertising and public relations expenses </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-51 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-22 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Technology and system costs </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-125 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-71 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Amortisation of other intangible assets (chapter 7.5.1) </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-28 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-11 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Depreciation of property, plant and equipment (chapter 7.5.2) </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-24 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-17 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Restructuring provision expenses </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-58 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-4 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Commission expenses </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-778 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-612 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Costs associated with sale of development property </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-7 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-33 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Operating expenses of wind farms and solar parks </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-29 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-24 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Impairments on non-financial assets </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-13 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-1 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Release of the loss component for onerous contracts </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-18 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-15 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Other </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-383 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">14 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Amounts attributed to insurance acquisition cash flows </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">22 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">13 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Insurance acquisition cash flows recognised in profit or loss </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-15 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-2 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total operating and other expenses </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-2,393 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-1,427 </b></td></tr></tbody></table> <br/>\n<h3 class=\"table-title\">Presentation of the operating and other expenses in the income statement </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:auto;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>2023 </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>2022 </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Total operating expenses are presented in the following income statement line items: </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Insurance service expenses </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-1,227 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-1,050 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Investment operating expenses </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-216 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-70 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Other expenses </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-950 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-307 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total operating and other expenses </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-2,393 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-1,427 </b></td></tr></tbody></table> <br/>\n<p>The increase of total operating and other expenses primarily reflects the larger cost base including Aegon NL. The agreement with claim organisations on Unit Linked life insurance transparency resulted in an increase of other expenses of \u20ac\u00a0300 million and includes an additional provision of \u20ac\u00a050 million to facilitate\u00a0individual claims of customers in distressing situations (see <a href=\"#n1289145\" title=\"Provisions\">chapter 7.5.16</a>). </p>\n<h3 class=\"table-title\">Segmentation of a.s.r.'s internal workforce </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:auto;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;\">Segments </th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">2023 </th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">2022 </th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Non-life </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1,810 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,541 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Life </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">735 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">488 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Asset Management </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">808 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">409 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Banking </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">438 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">0 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Distribution and Services </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,396 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">745 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Holding and Other </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1,807 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,130 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total workforce </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>7,994 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>4,313 </b></td></tr></tbody></table> <br/>\n<p>The increase of a.s.r.'s total internal workforce is mainly the result of the acquisition of Aegon NL (see <a href=\"#n1287134\" title=\"Acquisitions\">chapter 7.4.5</a>). Total workforce of 2023 include 4,479 a.s.r. stand-alone colleagues and 3,515 ex-Aegon NL colleagues. </p>\n<p>Employees related to administrative activities and overhead are allocated to segment Holding and Other. </p>\n<h1 class=\"S_PARAGRAPH\" id=\"n1285882\"><span class=\"number\">7.6.12 </span><span class=\"title-text\">Income tax expense </span></h1>\n<h3 class=\"table-title\">Income tax (expense) / gain </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:0%;\"/><col style=\"width:14%;\"/><col style=\"width:14%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">2023 </th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">2022 </th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Current taxes for the current period </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-136 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">39 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Current taxes referring to previous periods </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-6 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">9 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total current tax </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-142 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>47 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Deferred taxes arising from current period </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-161 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">559 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total deferred tax </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-161 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>559 </b></td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total income tax (expense) / gain </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-303 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>606 </b></td></tr></tbody></table> <br/>\n<p>The expected income tax expense is determined by applying the tax rate in the Netherlands to the result before tax. In 2023, this rate was 25.8% (2022: 25.8%). The enacted tax rate for 2024 will be 25.8%. </p>\n<h3 class=\"table-title\">Reconciliation of expected income tax (expense) / gain with the actual income tax (expense) / gain </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:0%;\"/><col style=\"width:14%;\"/><col style=\"width:14%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">2023 </th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">2022 </th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Result before tax from continuing operations </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1,389 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-2,323 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Current tax rates </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">25,8% </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">25,8% </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Expected income tax expense </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-358 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>599 </b></td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Effects of: </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Tax on interest on other equity instruments </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">12 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">12 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Tax-exempt dividend </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">9 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">8 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Tax-exempt capital gains </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-5 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Tax-exempt associates and joint ventures </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Tax-exempt other income </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">6 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Changes in impairments </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-6 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-3 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Other effects </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">32 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-6 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total income tax (expense) / gain </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-303 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>606 </b></td></tr></tbody></table> <br/>\n<p>The result is almost entirely earned and taxable in the Netherlands. </p>\n<p>The effective income tax rate is 21.8% (2022: 26.1%). This decrease is mainly due to a negative tax result impact in relation to the tax exemption of capital gains. </p>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfExpensesExplanatory",
    "language": "en",
    "entity": "scheme:7245000G0HS48PZWUD53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "ixv-730": {
   "value": "\n<h1 class=\"S_PARAGRAPH\" id=\"n1285973\"><span class=\"number\">7.6.4 </span><span class=\"title-text\">Direct investment income </span></h1>\n<p>See accounting policy <a href=\"#n1286848\" title=\"V3. Investment income\">V3</a>. </p>\n<h3 class=\"table-title\">Direct investment income </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:auto;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>2023 </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>2022 </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Interest income from investments at FVTPL </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1,530 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">779 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Interest income from derivatives </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,318 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">659 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Interest income from investments at FVOCI </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">18 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Interest income from debt instruments at amortised cost </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">340 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total interest income </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>4,205 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>1,439 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Dividends received </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">283 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">187 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Investment income related to direct participating insurance contracts </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">10 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">10 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Rental income from investment property </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">91 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">58 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Other direct investment income </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">44 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">14 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total dividend and other investment income </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>428 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>269 </b></td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total direct investment income </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>4,633 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>1,708 </b></td></tr></tbody></table> <br/>\n<p>Interest income increased mainly due to the assets acquired through the acquisition of Aegon NL. In addition, more interest income from derivatives is recognised compared to last year due to increasing interest rates. </p>\n<p>For equity instruments measured at FVOCI, dividends received during the year amount to \u20ac\u00a072 million (2022: \u20ac\u00a065 million), of which \u20ac\u00a019 million (2022: \u20ac\u00a08 million) relates to instruments derecognised during the year. </p>\n<p>The effective interest method has been applied to an amount of \u20ac\u00a0357 million (2022: \u20ac\u00a01 million) of the interest income from financial instruments not classified at FVTPL. Included within interest income is nil (2022: nil) of interest received on impaired fixed-income securities. </p>\n<div class=\"tanPageBreak newPage\"> </div>\n<h1 class=\"S_PARAGRAPH\" id=\"n1285604\"><span class=\"number\">8 </span><span class=\"title-text\">Profit appropriation </span></h1>\n<p>The EB will propose to the AGM to distribute a final dividend of \u20ac\u00a0382 million in dividend on ordinary shares over 2023. Including the interim dividend of \u20ac\u00a0228 million the total dividends to shareholder amounted to \u20ac\u00a0610 million. The remaining result will be transferred to retained earnings in accordance with Article 37 of the Articles of Association of a.s.r. </p>\n<h1 class=\"S_PARAGRAPH\" id=\"n1288708\"><span class=\"number\">7.9.3 </span><span class=\"title-text\">Additional information  <br/></span></h1>\n<div class=\"header header-2\">1. Mergers and Acquisitions </div>\n<p>On 4 July 2023, a.s.r. finalised the transaction to combine business activities of a.s.r. and Aegon Nederland after the Consumer &amp; Market Authority has approved the new combination and the Dutch Central Bank and the European Central Bank have issued a statement of no objection. As part of the transaction, Aegon received \u20ac\u00a02.2 billion cash proceeds and a 29.99% stake in a.s.r. </p>\n<div class=\"header header-2\">2. Capital Market transactions </div>\n<p>As part of the funding for the Aegon Netherlands transaction, on 22 November 2022 a.s.r. issued a \u20ac\u00a01 billion subordinated Tier 2 capital instrument (\u201cTier 2 Notes\u201d). As the issue was specifically earmarked to fund the Aegon Netherlands transaction, the Tier 2 Notes were not included in the Solvency position up until the closing of the Aegon transaction. With the closing on 4 July 2023, the full issue was included in the Solvency position of the Group. </p>\n<p>As part of the Aegon Netherlands transaction, a.s.r. delivered 63,298,394 newly issued ordinary shares to Aegon Ltd. The shares are listed and admitted to trading on Euronext Amsterdam as of 6 July 2023. With the issuance of the new share capital, the amount of issued and outstanding shares of a.s.r. stood at 211,065,001 ordinary shares, of which Aegon holds 29.99%. </p>\n<p>On 5 December 2023, a.s.r. issued a \u20ac\u00a0600 million inaugural green senior bond. The green senior bond has a maturity of 5 years. The bond was priced at 100 basis points over 5 year mid-swap rate, with a fixed rated coupon of 3.625%. The green senior bond offering is the inaugural issuance under the a.s.r. Green Finance Framework. The bond is not eligible as capital under the Solvency II framework, but does increase a.s.r.\u2019s funding opportunities. </p>\n<div class=\"header header-2\">3. Share buyback programme </div>\n<p>Upon announcement of the Aegon transaction, a.s.r. announced that the share buy back programme would be halted, in line with policy. a.s.r.\u2019s capital management states that any additional capital distribution shall be considered in the light of opportunities for larger acquisitions and will be conditional upon our Solvency II ratio (based on the partial internal model) to remain above 175%, as a.s.r. aims to maintain a robust balance sheet. Any additional distribution will be financed from the available OCC, taking into account the regular dividend, room for potential bolt-on acquisitions and re-risking. </p>\n<div class=\"header header-2\">4. Dividend </div>\n<p>a.s.r. has proposed a total dividend per share of \u20ac\u00a02.89 over the full year 2023 (2022: \u20ac\u00a02.70 per share). Taking into account the interim dividend of \u20ac\u00a01.08 per share, the final dividend amounts to \u20ac\u00a01.81 per share. The final dividend amounts to \u20ac\u00a0382 million based on the number of shares per 31 December 2023. a.s.r. maintains a progressive dividend policy which increases dividend by mid to high single digit annual growth until 2025. </p>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfDividendsExplanatory",
    "language": "en",
    "entity": "scheme:7245000G0HS48PZWUD53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "ixv-731": {
   "value": "\n<h1 class=\"S_PARAGRAPH\" id=\"n1285973\"><span class=\"number\">7.6.4 </span><span class=\"title-text\">Direct investment income </span></h1>\n<p>See accounting policy <a href=\"#n1286848\" title=\"V3. Investment income\">V3</a>. </p>\n<h3 class=\"table-title\">Direct investment income </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:auto;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>2023 </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>2022 </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Interest income from investments at FVTPL </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1,530 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">779 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Interest income from derivatives </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,318 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">659 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Interest income from investments at FVOCI </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">18 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Interest income from debt instruments at amortised cost </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">340 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total interest income </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>4,205 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>1,439 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Dividends received </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">283 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">187 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Investment income related to direct participating insurance contracts </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">10 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">10 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Rental income from investment property </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">91 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">58 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Other direct investment income </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">44 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">14 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total dividend and other investment income </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>428 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>269 </b></td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total direct investment income </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>4,633 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>1,708 </b></td></tr></tbody></table> <br/>\n<p>Interest income increased mainly due to the assets acquired through the acquisition of Aegon NL. In addition, more interest income from derivatives is recognised compared to last year due to increasing interest rates. </p>\n<p>For equity instruments measured at FVOCI, dividends received during the year amount to \u20ac\u00a072 million (2022: \u20ac\u00a065 million), of which \u20ac\u00a019 million (2022: \u20ac\u00a08 million) relates to instruments derecognised during the year. </p>\n<p>The effective interest method has been applied to an amount of \u20ac\u00a0357 million (2022: \u20ac\u00a01 million) of the interest income from financial instruments not classified at FVTPL. Included within interest income is nil (2022: nil) of interest received on impaired fixed-income securities. </p>\n<div class=\"tanPageBreak newPage\"> </div>\n<h1 class=\"S_PARAGRAPH\" id=\"n1285996\"><span class=\"number\">7.6.5 </span><span class=\"title-text\">Net fair value gains and (losses) </span></h1>\n<p>See accounting policy <a href=\"#n1286351\" title=\"D. Investment property\">D</a> and <a href=\"#n1286373\" title=\"E. Financial assets and financial liabilities\">E</a>. </p>\n<h3 class=\"table-title\">Net fair value gains and (losses) per category </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:0%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>2023 </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>2022 </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Net fair value gains and (losses) on financial instruments measured at FVTPL </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Investments </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">- Real estate equity funds </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-200 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-12 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">- Mortgage equity funds </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-5 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-237 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">- Government bonds </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">814 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-3,226 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">- Corporate bonds </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">364 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-1,283 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">- Asset-backed securities </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-6 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-8 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">- Rural property contracts </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">12 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">- Other investment funds </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">81 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-197 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">- Other equity funds </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">30 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-2 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">- Mortgage loans </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">251 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-2,085 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">- Private loans </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">236 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-670 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Investments related to direct participating insurance contracts </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,325 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-1,953 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Derivatives </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">926 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-5,739 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Cash and cash equivalents </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-4 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-1 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>4,812 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-15,401 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Net fair value gains and (losses) on financial instruments not measured at FVTPL </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Net foreign exchange gains and losses </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-2 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Derecognition of financial liabilities at amortised cost </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-1 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-2 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Other net fair value gains and (losses) </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Investment property, property for own use and plant </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-91 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">117 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-91 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>117 </b></td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total net fair value gains and (losses) </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>4,718 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-15,284 </b></td></tr></tbody></table> <br/>\n<p>Negative fair value gains and losses in 2022 were due to strongly increasing interest rates and widening of credit spreads during the period. In 2023, interest rates were more stable. Net fair value gains and losses are mainly due to movements in interest rates and includes fair value gains and losses on assets acquired through the acquisition of Aegon NL. Net fair value gains and losses for investments related to direct participating insurance contracts are mainly due to movements in interest rates as well as movements in stock prices. </p>\n<h1 class=\"S_PARAGRAPH\" id=\"n1286046\"><span class=\"number\">7.6.7 </span><span class=\"title-text\">Net finance income and expenses from (re)insurance contracts </span></h1>\n<p>See <a href=\"#n1286870\" title=\"V4. Insurance finance income and expenses\">accounting policy V4</a>. </p>\n<p>The table below analyses the sources of finance income and expenses recognised in profit or loss and other comprehensive income in relation to the total net finance expenses from (re)insurance contracts. </p>\n<h3 class=\"table-title\">Investment and (re)insurance finance result current period </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:35%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top align-left border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\"><b>31 December 2023 </b></th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Non-Life </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Life GMM </b></th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Life VFA </b></th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Other </b></th><th class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Total </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Investment income </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Direct investment income </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">392 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">3,583 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">10 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">647 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">4,633 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Net fair value gains and (losses) </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">186 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,247 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,325 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-40 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">4,718 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Net impairment (loss)/reversal on financial assets </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-21 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-20 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Amounts recognised in other comprehensive income </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">56 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">162 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">10 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">227 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total investment income </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>634 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>5,993 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>2,335 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>596 </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>9,558 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Net finance expenses from insurance contracts </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Changes in fair value of underlying items of direct participating contracts </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-2,288 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-2,288 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Effects of risk mitigation option </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-239 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-239 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Interest accreted </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-225 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-1,348 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-19 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-1,592 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Effect of changes in interest rates and other financial assumptions </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-33 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-1,232 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">10 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-1,255 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Effect of measuring changes in estimates at current rates and adjusting the CSM at rates on initial recognition </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">5 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">164 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">169 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total net finance expenses from insurance contracts </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-253 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-2,416 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-2,536 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-5,205 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Net finance income from reinsurance contracts </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Interest accreted </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">8 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-3 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">5 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Other </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-14 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-11 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total net finance income from reinsurance contracts </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>10 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-16 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-6 </b></td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>391 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>3,561 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-201 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>596 </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>4,347 </b></td></tr></tbody></table> <br/>\n<h3 class=\"table-title\">Investment and (re)insurance finance result prior period </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:0%;\"/><col style=\"width:15%;\"/><col style=\"width:15%;\"/><col style=\"width:15%;\"/><col style=\"width:15%;\"/><col style=\"width:15%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top align-left border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\"><b>31 December 2022 </b></th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Non-Life </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Life GMM </b></th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Life VFA </b></th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Other </b></th><th class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Total </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Investment income </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Direct investment income </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">193 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,498 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">10 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">6 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,708 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Net fair value gains and (losses) </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-1,489 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-11,830 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-1,953 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-12 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-15,284 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Amounts recognised in other comprehensive income </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-130 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-273 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-402 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total investment income </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-1,426 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-10,606 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-1,943 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-4 </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-13,978 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Net finance expenses from insurance contracts </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Changes in fair value of underlying items of direct participating contracts </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,966 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,966 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Interest accreted </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">18 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">107 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">127 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Effect of changes in interest rates and other financial assumptions </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,272 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">8,479 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">148 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">9,899 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Effect of measuring changes in estimates at current rates and adjusting the CSM at rates on initial recognition </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-1 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-88 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-89 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total net finance expenses from insurance contracts </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>1,289 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>8,498 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>2,117 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>11,903 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Net finance income from reinsurance contracts </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Interest accreted </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-1 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">\u00a0</td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Other </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-27 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-40 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-67 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total net finance income from reinsurance contracts </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-26 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-41 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-67 </b></td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-163 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-2,149 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>174 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-4 </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-2,142 </b></td></tr></tbody></table> <br/>\n<p>Direct investment income increased due to increasing interest rates. </p>\n<p>See <a href=\"#n1285996\" title=\"Net fair value gains and (losses)\">chapter 7.6.5</a> for more information regarding net fair value gains and (losses). </p>\n<p>Amounts recognised in other comprehensive income relate to revaluation of equity and debt instruments held at FVOCI. </p>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfFinanceIncomeExplanatory",
    "language": "en",
    "entity": "scheme:7245000G0HS48PZWUD53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "ixv-732": {
   "value": "\n<h1 class=\"S_PARAGRAPH\" id=\"n1285973\"><span class=\"number\">7.6.4 </span><span class=\"title-text\">Direct investment income </span></h1>\n<p>See accounting policy <a href=\"#n1286848\" title=\"V3. Investment income\">V3</a>. </p>\n<h3 class=\"table-title\">Direct investment income </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:auto;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>2023 </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>2022 </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Interest income from investments at FVTPL </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1,530 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">779 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Interest income from derivatives </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,318 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">659 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Interest income from investments at FVOCI </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">18 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Interest income from debt instruments at amortised cost </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">340 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total interest income </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>4,205 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>1,439 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Dividends received </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">283 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">187 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Investment income related to direct participating insurance contracts </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">10 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">10 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Rental income from investment property </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">91 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">58 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Other direct investment income </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">44 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">14 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total dividend and other investment income </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>428 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>269 </b></td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total direct investment income </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>4,633 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>1,708 </b></td></tr></tbody></table> <br/>\n<p>Interest income increased mainly due to the assets acquired through the acquisition of Aegon NL. In addition, more interest income from derivatives is recognised compared to last year due to increasing interest rates. </p>\n<p>For equity instruments measured at FVOCI, dividends received during the year amount to \u20ac\u00a072 million (2022: \u20ac\u00a065 million), of which \u20ac\u00a019 million (2022: \u20ac\u00a08 million) relates to instruments derecognised during the year. </p>\n<p>The effective interest method has been applied to an amount of \u20ac\u00a0357 million (2022: \u20ac\u00a01 million) of the interest income from financial instruments not classified at FVTPL. Included within interest income is nil (2022: nil) of interest received on impaired fixed-income securities. </p>\n<div class=\"tanPageBreak newPage\"> </div>\n<h1 class=\"S_PARAGRAPH\" id=\"n1285996\"><span class=\"number\">7.6.5 </span><span class=\"title-text\">Net fair value gains and (losses) </span></h1>\n<p>See accounting policy <a href=\"#n1286351\" title=\"D. Investment property\">D</a> and <a href=\"#n1286373\" title=\"E. Financial assets and financial liabilities\">E</a>. </p>\n<h3 class=\"table-title\">Net fair value gains and (losses) per category </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:0%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>2023 </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>2022 </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Net fair value gains and (losses) on financial instruments measured at FVTPL </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Investments </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">- Real estate equity funds </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-200 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-12 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">- Mortgage equity funds </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-5 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-237 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">- Government bonds </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">814 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-3,226 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">- Corporate bonds </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">364 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-1,283 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">- Asset-backed securities </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-6 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-8 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">- Rural property contracts </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">12 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">- Other investment funds </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">81 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-197 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">- Other equity funds </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">30 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-2 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">- Mortgage loans </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">251 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-2,085 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">- Private loans </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">236 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-670 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Investments related to direct participating insurance contracts </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,325 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-1,953 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Derivatives </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">926 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-5,739 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Cash and cash equivalents </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-4 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-1 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>4,812 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-15,401 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Net fair value gains and (losses) on financial instruments not measured at FVTPL </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Net foreign exchange gains and losses </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-2 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Derecognition of financial liabilities at amortised cost </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-1 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-2 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Other net fair value gains and (losses) </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Investment property, property for own use and plant </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-91 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">117 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-91 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>117 </b></td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total net fair value gains and (losses) </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>4,718 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-15,284 </b></td></tr></tbody></table> <br/>\n<p>Negative fair value gains and losses in 2022 were due to strongly increasing interest rates and widening of credit spreads during the period. In 2023, interest rates were more stable. Net fair value gains and losses are mainly due to movements in interest rates and includes fair value gains and losses on assets acquired through the acquisition of Aegon NL. Net fair value gains and losses for investments related to direct participating insurance contracts are mainly due to movements in interest rates as well as movements in stock prices. </p>\n<h1 class=\"S_PARAGRAPH\" id=\"n1286020\"><span class=\"number\">7.6.6 </span><span class=\"title-text\">Impairments </span></h1>\n<p>See accounting policy <a href=\"#n1286329\" title=\"C. Intangible assets\">C</a> and <a href=\"#n1286373\" title=\"E. Financial assets and financial liabilities\">E</a>. </p>\n<h3 class=\"table-title\">Impairments </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:74%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>2023 </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>2022 </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Intangible assets </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-13 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Associates and joint ventures </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-1 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Financial assets at amortised cost </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-21 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total impairments </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-34 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-1 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Impairments are presented in the following income statement line items: </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Impairments on financial assets </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-20 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Other expenses </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-13 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-1 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total impairments </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-34 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-1 </b></td></tr></tbody></table> <br/>\n<p>The impairment in intangible assets relates to the impairment of goodwill in segment Distribution and Services, see chapter <a href=\"#n1289264\" title=\"Intangible assets\">7.5.1</a>. </p>\n<p>For more information regarding loss allowance see chapter <a href=\"#n1288197\" title=\"Counterparty default risk\">7.8.4</a>. </p>\n<h1 class=\"S_PARAGRAPH\" id=\"n1286046\"><span class=\"number\">7.6.7 </span><span class=\"title-text\">Net finance income and expenses from (re)insurance contracts </span></h1>\n<p>See <a href=\"#n1286870\" title=\"V4. Insurance finance income and expenses\">accounting policy V4</a>. </p>\n<p>The table below analyses the sources of finance income and expenses recognised in profit or loss and other comprehensive income in relation to the total net finance expenses from (re)insurance contracts. </p>\n<h3 class=\"table-title\">Investment and (re)insurance finance result current period </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:35%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top align-left border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\"><b>31 December 2023 </b></th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Non-Life </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Life GMM </b></th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Life VFA </b></th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Other </b></th><th class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Total </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Investment income </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Direct investment income </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">392 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">3,583 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">10 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">647 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">4,633 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Net fair value gains and (losses) </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">186 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,247 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,325 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-40 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">4,718 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Net impairment (loss)/reversal on financial assets </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-21 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-20 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Amounts recognised in other comprehensive income </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">56 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">162 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">10 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">227 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total investment income </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>634 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>5,993 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>2,335 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>596 </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>9,558 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Net finance expenses from insurance contracts </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Changes in fair value of underlying items of direct participating contracts </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-2,288 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-2,288 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Effects of risk mitigation option </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-239 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-239 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Interest accreted </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-225 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-1,348 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-19 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-1,592 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Effect of changes in interest rates and other financial assumptions </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-33 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-1,232 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">10 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-1,255 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Effect of measuring changes in estimates at current rates and adjusting the CSM at rates on initial recognition </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">5 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">164 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">169 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total net finance expenses from insurance contracts </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-253 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-2,416 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-2,536 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-5,205 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Net finance income from reinsurance contracts </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Interest accreted </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">8 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-3 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">5 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Other </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-14 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-11 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total net finance income from reinsurance contracts </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>10 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-16 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-6 </b></td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>391 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>3,561 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-201 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>596 </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>4,347 </b></td></tr></tbody></table> <br/>\n<h3 class=\"table-title\">Investment and (re)insurance finance result prior period </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:0%;\"/><col style=\"width:15%;\"/><col style=\"width:15%;\"/><col style=\"width:15%;\"/><col style=\"width:15%;\"/><col style=\"width:15%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top align-left border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\"><b>31 December 2022 </b></th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Non-Life </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Life GMM </b></th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Life VFA </b></th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Other </b></th><th class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Total </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Investment income </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Direct investment income </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">193 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,498 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">10 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">6 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,708 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Net fair value gains and (losses) </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-1,489 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-11,830 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-1,953 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-12 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-15,284 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Amounts recognised in other comprehensive income </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-130 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-273 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-402 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total investment income </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-1,426 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-10,606 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-1,943 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-4 </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-13,978 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Net finance expenses from insurance contracts </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Changes in fair value of underlying items of direct participating contracts </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,966 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,966 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Interest accreted </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">18 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">107 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">127 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Effect of changes in interest rates and other financial assumptions </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,272 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">8,479 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">148 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">9,899 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Effect of measuring changes in estimates at current rates and adjusting the CSM at rates on initial recognition </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-1 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-88 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-89 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total net finance expenses from insurance contracts </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>1,289 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>8,498 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>2,117 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>11,903 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Net finance income from reinsurance contracts </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Interest accreted </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-1 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">\u00a0</td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Other </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-27 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-40 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-67 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total net finance income from reinsurance contracts </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-26 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-41 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-67 </b></td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-163 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-2,149 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>174 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-4 </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-2,142 </b></td></tr></tbody></table> <br/>\n<p>Direct investment income increased due to increasing interest rates. </p>\n<p>See <a href=\"#n1285996\" title=\"Net fair value gains and (losses)\">chapter 7.6.5</a> for more information regarding net fair value gains and (losses). </p>\n<p>Amounts recognised in other comprehensive income relate to revaluation of equity and debt instruments held at FVOCI. </p>\n<h1 class=\"S_PARAGRAPH\" id=\"n1285788\"><span class=\"number\">7.6.8 </span><span class=\"title-text\">Other finance expenses </span></h1>\n<h3 class=\"table-title\">Breakdown of the other finance expenses </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:auto;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>2023 </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>2022 </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Other finance expenses on financial liabilities not measured at fair value </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Subordinated liabilities </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-115 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-51 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Borrowings </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-198 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-3 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Savings deposits </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-60 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Due to banks </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-91 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-11 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Other financial liabilities </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-2 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-2 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Other finance expenses on other liabilities </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Employee benefits </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-142 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-35 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Derivatives </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-2,117 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-313 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Other finance or fee expenses </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-11 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-5 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Interest expenses on financial assets </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-1 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-28 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total other finance expenses </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-2,736 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-449 </b></td></tr></tbody></table> <br/>\n<p>Finance expenses on subordinated liabilities increased due to \u20ac\u00a01 billion Tier 2 notes issued on 22 November 2022, see chapter <a href=\"#n1288760\" title=\"Subordinated liabilities\">7.5.12.</a>The increase in finance expenses on borrowings is mainly due to the acquisition of Aegon NL, see chapter <a href=\"#n1287134\" title=\"Acquisitions\">7.4.5</a>. </p>\n<p>The increase in finance expenses on employee benefits is due to the acquisition of Aegon NL, and due to a higher interest accrual on the DB obligation of post-employment benefits pensions as a result of an increased discount rate, see chapter <a href=\"#n1289054\" title=\"Employee benefits\">7.5.15</a>. The interest expense is calculated based on interest rates as of 31 December of the previous year. (31 December 2022: 3.67%; 31 December 2021: 0.90%). </p>\n<p>Finance expenses on derivatives increased due to increased variable interest rates and the acquisition of Aegon NL. </p>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfFinanceIncomeExpenseExplanatory",
    "language": "en",
    "entity": "scheme:7245000G0HS48PZWUD53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "ixv-733": {
   "value": "\n<h1 class=\"S_PARAGRAPH\" id=\"n1285973\"><span class=\"number\">7.6.4 </span><span class=\"title-text\">Direct investment income </span></h1>\n<p>See accounting policy <a href=\"#n1286848\" title=\"V3. Investment income\">V3</a>. </p>\n<h3 class=\"table-title\">Direct investment income </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:auto;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>2023 </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>2022 </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Interest income from investments at FVTPL </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1,530 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">779 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Interest income from derivatives </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,318 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">659 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Interest income from investments at FVOCI </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">18 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Interest income from debt instruments at amortised cost </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">340 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total interest income </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>4,205 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>1,439 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Dividends received </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">283 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">187 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Investment income related to direct participating insurance contracts </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">10 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">10 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Rental income from investment property </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">91 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">58 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Other direct investment income </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">44 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">14 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total dividend and other investment income </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>428 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>269 </b></td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total direct investment income </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>4,633 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>1,708 </b></td></tr></tbody></table> <br/>\n<p>Interest income increased mainly due to the assets acquired through the acquisition of Aegon NL. In addition, more interest income from derivatives is recognised compared to last year due to increasing interest rates. </p>\n<p>For equity instruments measured at FVOCI, dividends received during the year amount to \u20ac\u00a072 million (2022: \u20ac\u00a065 million), of which \u20ac\u00a019 million (2022: \u20ac\u00a08 million) relates to instruments derecognised during the year. </p>\n<p>The effective interest method has been applied to an amount of \u20ac\u00a0357 million (2022: \u20ac\u00a01 million) of the interest income from financial instruments not classified at FVTPL. Included within interest income is nil (2022: nil) of interest received on impaired fixed-income securities. </p>\n<div class=\"tanPageBreak newPage\"> </div>\n<h1 class=\"S_PARAGRAPH\" id=\"n1286046\"><span class=\"number\">7.6.7 </span><span class=\"title-text\">Net finance income and expenses from (re)insurance contracts </span></h1>\n<p>See <a href=\"#n1286870\" title=\"V4. Insurance finance income and expenses\">accounting policy V4</a>. </p>\n<p>The table below analyses the sources of finance income and expenses recognised in profit or loss and other comprehensive income in relation to the total net finance expenses from (re)insurance contracts. </p>\n<h3 class=\"table-title\">Investment and (re)insurance finance result current period </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:35%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top align-left border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\"><b>31 December 2023 </b></th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Non-Life </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Life GMM </b></th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Life VFA </b></th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Other </b></th><th class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Total </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Investment income </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Direct investment income </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">392 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">3,583 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">10 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">647 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">4,633 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Net fair value gains and (losses) </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">186 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,247 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,325 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-40 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">4,718 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Net impairment (loss)/reversal on financial assets </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-21 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-20 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Amounts recognised in other comprehensive income </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">56 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">162 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">10 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">227 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total investment income </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>634 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>5,993 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>2,335 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>596 </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>9,558 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Net finance expenses from insurance contracts </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Changes in fair value of underlying items of direct participating contracts </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-2,288 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-2,288 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Effects of risk mitigation option </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-239 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-239 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Interest accreted </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-225 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-1,348 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-19 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-1,592 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Effect of changes in interest rates and other financial assumptions </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-33 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-1,232 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">10 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-1,255 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Effect of measuring changes in estimates at current rates and adjusting the CSM at rates on initial recognition </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">5 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">164 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">169 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total net finance expenses from insurance contracts </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-253 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-2,416 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-2,536 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-5,205 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Net finance income from reinsurance contracts </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Interest accreted </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">8 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-3 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">5 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Other </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-14 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-11 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total net finance income from reinsurance contracts </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>10 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-16 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-6 </b></td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>391 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>3,561 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-201 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>596 </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>4,347 </b></td></tr></tbody></table> <br/>\n<h3 class=\"table-title\">Investment and (re)insurance finance result prior period </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:0%;\"/><col style=\"width:15%;\"/><col style=\"width:15%;\"/><col style=\"width:15%;\"/><col style=\"width:15%;\"/><col style=\"width:15%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top align-left border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\"><b>31 December 2022 </b></th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Non-Life </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Life GMM </b></th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Life VFA </b></th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Other </b></th><th class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Total </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Investment income </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Direct investment income </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">193 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,498 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">10 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">6 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,708 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Net fair value gains and (losses) </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-1,489 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-11,830 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-1,953 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-12 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-15,284 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Amounts recognised in other comprehensive income </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-130 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-273 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-402 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total investment income </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-1,426 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-10,606 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-1,943 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-4 </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-13,978 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Net finance expenses from insurance contracts </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Changes in fair value of underlying items of direct participating contracts </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,966 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,966 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Interest accreted </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">18 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">107 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">127 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Effect of changes in interest rates and other financial assumptions </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,272 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">8,479 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">148 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">9,899 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Effect of measuring changes in estimates at current rates and adjusting the CSM at rates on initial recognition </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-1 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-88 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-89 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total net finance expenses from insurance contracts </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>1,289 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>8,498 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>2,117 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>11,903 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Net finance income from reinsurance contracts </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Interest accreted </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-1 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">\u00a0</td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Other </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-27 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-40 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-67 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total net finance income from reinsurance contracts </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-26 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-41 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-67 </b></td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-163 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-2,149 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>174 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-4 </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-2,142 </b></td></tr></tbody></table> <br/>\n<p>Direct investment income increased due to increasing interest rates. </p>\n<p>See <a href=\"#n1285996\" title=\"Net fair value gains and (losses)\">chapter 7.6.5</a> for more information regarding net fair value gains and (losses). </p>\n<p>Amounts recognised in other comprehensive income relate to revaluation of equity and debt instruments held at FVOCI. </p>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfInterestIncomeExplanatory",
    "language": "en",
    "entity": "scheme:7245000G0HS48PZWUD53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "ixv-734": {
   "value": "\n<h1 class=\"S_PARAGRAPH\" id=\"n1285973\"><span class=\"number\">7.6.4 </span><span class=\"title-text\">Direct investment income </span></h1>\n<p>See accounting policy <a href=\"#n1286848\" title=\"V3. Investment income\">V3</a>. </p>\n<h3 class=\"table-title\">Direct investment income </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:auto;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>2023 </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>2022 </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Interest income from investments at FVTPL </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1,530 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">779 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Interest income from derivatives </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,318 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">659 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Interest income from investments at FVOCI </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">18 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Interest income from debt instruments at amortised cost </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">340 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total interest income </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>4,205 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>1,439 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Dividends received </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">283 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">187 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Investment income related to direct participating insurance contracts </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">10 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">10 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Rental income from investment property </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">91 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">58 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Other direct investment income </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">44 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">14 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total dividend and other investment income </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>428 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>269 </b></td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total direct investment income </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>4,633 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>1,708 </b></td></tr></tbody></table> <br/>\n<p>Interest income increased mainly due to the assets acquired through the acquisition of Aegon NL. In addition, more interest income from derivatives is recognised compared to last year due to increasing interest rates. </p>\n<p>For equity instruments measured at FVOCI, dividends received during the year amount to \u20ac\u00a072 million (2022: \u20ac\u00a065 million), of which \u20ac\u00a019 million (2022: \u20ac\u00a08 million) relates to instruments derecognised during the year. </p>\n<p>The effective interest method has been applied to an amount of \u20ac\u00a0357 million (2022: \u20ac\u00a01 million) of the interest income from financial instruments not classified at FVTPL. Included within interest income is nil (2022: nil) of interest received on impaired fixed-income securities. </p>\n<div class=\"tanPageBreak newPage\"> </div>\n<h1 class=\"S_PARAGRAPH\" id=\"n1286046\"><span class=\"number\">7.6.7 </span><span class=\"title-text\">Net finance income and expenses from (re)insurance contracts </span></h1>\n<p>See <a href=\"#n1286870\" title=\"V4. Insurance finance income and expenses\">accounting policy V4</a>. </p>\n<p>The table below analyses the sources of finance income and expenses recognised in profit or loss and other comprehensive income in relation to the total net finance expenses from (re)insurance contracts. </p>\n<h3 class=\"table-title\">Investment and (re)insurance finance result current period </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:35%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top align-left border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\"><b>31 December 2023 </b></th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Non-Life </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Life GMM </b></th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Life VFA </b></th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Other </b></th><th class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Total </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Investment income </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Direct investment income </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">392 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">3,583 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">10 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">647 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">4,633 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Net fair value gains and (losses) </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">186 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,247 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,325 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-40 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">4,718 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Net impairment (loss)/reversal on financial assets </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-21 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-20 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Amounts recognised in other comprehensive income </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">56 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">162 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">10 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">227 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total investment income </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>634 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>5,993 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>2,335 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>596 </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>9,558 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Net finance expenses from insurance contracts </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Changes in fair value of underlying items of direct participating contracts </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-2,288 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-2,288 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Effects of risk mitigation option </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-239 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-239 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Interest accreted </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-225 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-1,348 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-19 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-1,592 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Effect of changes in interest rates and other financial assumptions </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-33 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-1,232 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">10 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-1,255 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Effect of measuring changes in estimates at current rates and adjusting the CSM at rates on initial recognition </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">5 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">164 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">169 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total net finance expenses from insurance contracts </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-253 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-2,416 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-2,536 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-5,205 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Net finance income from reinsurance contracts </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Interest accreted </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">8 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-3 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">5 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Other </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-14 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-11 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total net finance income from reinsurance contracts </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>10 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-16 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-6 </b></td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>391 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>3,561 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-201 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>596 </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>4,347 </b></td></tr></tbody></table> <br/>\n<h3 class=\"table-title\">Investment and (re)insurance finance result prior period </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:0%;\"/><col style=\"width:15%;\"/><col style=\"width:15%;\"/><col style=\"width:15%;\"/><col style=\"width:15%;\"/><col style=\"width:15%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top align-left border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\"><b>31 December 2022 </b></th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Non-Life </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Life GMM </b></th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Life VFA </b></th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Other </b></th><th class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Total </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Investment income </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Direct investment income </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">193 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,498 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">10 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">6 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,708 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Net fair value gains and (losses) </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-1,489 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-11,830 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-1,953 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-12 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-15,284 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Amounts recognised in other comprehensive income </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-130 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-273 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-402 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total investment income </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-1,426 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-10,606 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-1,943 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-4 </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-13,978 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Net finance expenses from insurance contracts </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Changes in fair value of underlying items of direct participating contracts </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,966 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,966 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Interest accreted </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">18 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">107 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">127 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Effect of changes in interest rates and other financial assumptions </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,272 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">8,479 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">148 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">9,899 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Effect of measuring changes in estimates at current rates and adjusting the CSM at rates on initial recognition </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-1 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-88 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-89 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total net finance expenses from insurance contracts </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>1,289 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>8,498 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>2,117 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>11,903 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Net finance income from reinsurance contracts </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Interest accreted </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-1 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">\u00a0</td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Other </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-27 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-40 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-67 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total net finance income from reinsurance contracts </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-26 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-41 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-67 </b></td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-163 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-2,149 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>174 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-4 </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-2,142 </b></td></tr></tbody></table> <br/>\n<p>Direct investment income increased due to increasing interest rates. </p>\n<p>See <a href=\"#n1285996\" title=\"Net fair value gains and (losses)\">chapter 7.6.5</a> for more information regarding net fair value gains and (losses). </p>\n<p>Amounts recognised in other comprehensive income relate to revaluation of equity and debt instruments held at FVOCI. </p>\n<h1 class=\"S_PARAGRAPH\" id=\"n1285788\"><span class=\"number\">7.6.8 </span><span class=\"title-text\">Other finance expenses </span></h1>\n<h3 class=\"table-title\">Breakdown of the other finance expenses </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:auto;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>2023 </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>2022 </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Other finance expenses on financial liabilities not measured at fair value </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Subordinated liabilities </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-115 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-51 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Borrowings </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-198 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-3 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Savings deposits </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-60 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Due to banks </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-91 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-11 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Other financial liabilities </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-2 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-2 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Other finance expenses on other liabilities </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Employee benefits </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-142 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-35 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Derivatives </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-2,117 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-313 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Other finance or fee expenses </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-11 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-5 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Interest expenses on financial assets </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-1 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-28 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total other finance expenses </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-2,736 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-449 </b></td></tr></tbody></table> <br/>\n<p>Finance expenses on subordinated liabilities increased due to \u20ac\u00a01 billion Tier 2 notes issued on 22 November 2022, see chapter <a href=\"#n1288760\" title=\"Subordinated liabilities\">7.5.12.</a>The increase in finance expenses on borrowings is mainly due to the acquisition of Aegon NL, see chapter <a href=\"#n1287134\" title=\"Acquisitions\">7.4.5</a>. </p>\n<p>The increase in finance expenses on employee benefits is due to the acquisition of Aegon NL, and due to a higher interest accrual on the DB obligation of post-employment benefits pensions as a result of an increased discount rate, see chapter <a href=\"#n1289054\" title=\"Employee benefits\">7.5.15</a>. The interest expense is calculated based on interest rates as of 31 December of the previous year. (31 December 2022: 3.67%; 31 December 2021: 0.90%). </p>\n<p>Finance expenses on derivatives increased due to increased variable interest rates and the acquisition of Aegon NL. </p>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfInterestIncomeExpenseExplanatory",
    "language": "en",
    "entity": "scheme:7245000G0HS48PZWUD53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "ixv-740": {
   "value": "\n<h1 class=\"S_PARAGRAPH\" id=\"n1286020\"><span class=\"number\">7.6.6 </span><span class=\"title-text\">Impairments </span></h1>\n<p>See accounting policy <a href=\"#n1286329\" title=\"C. Intangible assets\">C</a> and <a href=\"#n1286373\" title=\"E. Financial assets and financial liabilities\">E</a>. </p>\n<h3 class=\"table-title\">Impairments </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:74%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>2023 </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>2022 </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Intangible assets </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-13 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Associates and joint ventures </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-1 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Financial assets at amortised cost </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-21 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total impairments </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-34 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-1 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Impairments are presented in the following income statement line items: </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Impairments on financial assets </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-20 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Other expenses </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-13 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-1 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total impairments </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-34 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-1 </b></td></tr></tbody></table> <br/>\n<p>The impairment in intangible assets relates to the impairment of goodwill in segment Distribution and Services, see chapter <a href=\"#n1289264\" title=\"Intangible assets\">7.5.1</a>. </p>\n<p>For more information regarding loss allowance see chapter <a href=\"#n1288197\" title=\"Counterparty default risk\">7.8.4</a>. </p>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfImpairmentOfAssetsExplanatory",
    "language": "en",
    "entity": "scheme:7245000G0HS48PZWUD53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "ixv-742": {
   "value": "\n<h1 class=\"S_PARAGRAPH\" id=\"n1286046\"><span class=\"number\">7.6.7 </span><span class=\"title-text\">Net finance income and expenses from (re)insurance contracts </span></h1>\n<p>See <a href=\"#n1286870\" title=\"V4. Insurance finance income and expenses\">accounting policy V4</a>. </p>\n<p>The table below analyses the sources of finance income and expenses recognised in profit or loss and other comprehensive income in relation to the total net finance expenses from (re)insurance contracts. </p>\n<h3 class=\"table-title\">Investment and (re)insurance finance result current period </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:35%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top align-left border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\"><b>31 December 2023 </b></th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Non-Life </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Life GMM </b></th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Life VFA </b></th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Other </b></th><th class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Total </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Investment income </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Direct investment income </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">392 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">3,583 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">10 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">647 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">4,633 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Net fair value gains and (losses) </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">186 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,247 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,325 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-40 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">4,718 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Net impairment (loss)/reversal on financial assets </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-21 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-20 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Amounts recognised in other comprehensive income </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">56 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">162 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">10 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">227 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total investment income </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>634 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>5,993 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>2,335 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>596 </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>9,558 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Net finance expenses from insurance contracts </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Changes in fair value of underlying items of direct participating contracts </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-2,288 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-2,288 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Effects of risk mitigation option </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-239 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-239 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Interest accreted </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-225 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-1,348 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-19 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-1,592 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Effect of changes in interest rates and other financial assumptions </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-33 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-1,232 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">10 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-1,255 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Effect of measuring changes in estimates at current rates and adjusting the CSM at rates on initial recognition </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">5 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">164 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">169 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total net finance expenses from insurance contracts </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-253 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-2,416 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-2,536 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-5,205 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Net finance income from reinsurance contracts </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Interest accreted </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">8 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-3 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">5 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Other </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-14 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-11 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total net finance income from reinsurance contracts </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>10 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-16 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-6 </b></td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>391 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>3,561 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-201 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>596 </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>4,347 </b></td></tr></tbody></table> <br/>\n<h3 class=\"table-title\">Investment and (re)insurance finance result prior period </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:0%;\"/><col style=\"width:15%;\"/><col style=\"width:15%;\"/><col style=\"width:15%;\"/><col style=\"width:15%;\"/><col style=\"width:15%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top align-left border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\"><b>31 December 2022 </b></th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Non-Life </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Life GMM </b></th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Life VFA </b></th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Other </b></th><th class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Total </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Investment income </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Direct investment income </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">193 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,498 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">10 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">6 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,708 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Net fair value gains and (losses) </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-1,489 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-11,830 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-1,953 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-12 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-15,284 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Amounts recognised in other comprehensive income </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-130 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-273 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-402 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total investment income </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-1,426 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-10,606 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-1,943 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-4 </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-13,978 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Net finance expenses from insurance contracts </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Changes in fair value of underlying items of direct participating contracts </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,966 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,966 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Interest accreted </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">18 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">107 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">127 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Effect of changes in interest rates and other financial assumptions </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,272 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">8,479 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">148 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">9,899 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Effect of measuring changes in estimates at current rates and adjusting the CSM at rates on initial recognition </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-1 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-88 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-89 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total net finance expenses from insurance contracts </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>1,289 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>8,498 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>2,117 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>11,903 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Net finance income from reinsurance contracts </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Interest accreted </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-1 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">\u00a0</td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Other </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-27 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-40 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-67 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total net finance income from reinsurance contracts </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-26 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-41 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-67 </b></td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-163 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-2,149 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>174 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-4 </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-2,142 </b></td></tr></tbody></table> <br/>\n<p>Direct investment income increased due to increasing interest rates. </p>\n<p>See <a href=\"#n1285996\" title=\"Net fair value gains and (losses)\">chapter 7.6.5</a> for more information regarding net fair value gains and (losses). </p>\n<p>Amounts recognised in other comprehensive income relate to revaluation of equity and debt instruments held at FVOCI. </p>\n<h1 class=\"S_PARAGRAPH\" id=\"n1285788\"><span class=\"number\">7.6.8 </span><span class=\"title-text\">Other finance expenses </span></h1>\n<h3 class=\"table-title\">Breakdown of the other finance expenses </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:auto;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>2023 </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>2022 </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Other finance expenses on financial liabilities not measured at fair value </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Subordinated liabilities </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-115 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-51 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Borrowings </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-198 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-3 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Savings deposits </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-60 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Due to banks </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-91 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-11 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Other financial liabilities </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-2 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-2 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Other finance expenses on other liabilities </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Employee benefits </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-142 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-35 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Derivatives </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-2,117 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-313 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Other finance or fee expenses </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-11 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-5 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Interest expenses on financial assets </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-1 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-28 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total other finance expenses </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-2,736 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-449 </b></td></tr></tbody></table> <br/>\n<p>Finance expenses on subordinated liabilities increased due to \u20ac\u00a01 billion Tier 2 notes issued on 22 November 2022, see chapter <a href=\"#n1288760\" title=\"Subordinated liabilities\">7.5.12.</a>The increase in finance expenses on borrowings is mainly due to the acquisition of Aegon NL, see chapter <a href=\"#n1287134\" title=\"Acquisitions\">7.4.5</a>. </p>\n<p>The increase in finance expenses on employee benefits is due to the acquisition of Aegon NL, and due to a higher interest accrual on the DB obligation of post-employment benefits pensions as a result of an increased discount rate, see chapter <a href=\"#n1289054\" title=\"Employee benefits\">7.5.15</a>. The interest expense is calculated based on interest rates as of 31 December of the previous year. (31 December 2022: 3.67%; 31 December 2021: 0.90%). </p>\n<p>Finance expenses on derivatives increased due to increased variable interest rates and the acquisition of Aegon NL. </p>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfFinanceCostExplanatory",
    "language": "en",
    "entity": "scheme:7245000G0HS48PZWUD53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "ixv-745": {
   "value": "\n<h1 class=\"S_PARAGRAPH\" id=\"n1286046\"><span class=\"number\">7.6.7 </span><span class=\"title-text\">Net finance income and expenses from (re)insurance contracts </span></h1>\n<p>See <a href=\"#n1286870\" title=\"V4. Insurance finance income and expenses\">accounting policy V4</a>. </p>\n<p>The table below analyses the sources of finance income and expenses recognised in profit or loss and other comprehensive income in relation to the total net finance expenses from (re)insurance contracts. </p>\n<h3 class=\"table-title\">Investment and (re)insurance finance result current period </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:35%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top align-left border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\"><b>31 December 2023 </b></th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Non-Life </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Life GMM </b></th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Life VFA </b></th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Other </b></th><th class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Total </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Investment income </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Direct investment income </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">392 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">3,583 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">10 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">647 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">4,633 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Net fair value gains and (losses) </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">186 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,247 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,325 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-40 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">4,718 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Net impairment (loss)/reversal on financial assets </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-21 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-20 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Amounts recognised in other comprehensive income </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">56 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">162 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">10 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">227 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total investment income </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>634 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>5,993 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>2,335 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>596 </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>9,558 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Net finance expenses from insurance contracts </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Changes in fair value of underlying items of direct participating contracts </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-2,288 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-2,288 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Effects of risk mitigation option </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-239 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-239 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Interest accreted </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-225 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-1,348 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-19 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-1,592 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Effect of changes in interest rates and other financial assumptions </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-33 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-1,232 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">10 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-1,255 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Effect of measuring changes in estimates at current rates and adjusting the CSM at rates on initial recognition </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">5 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">164 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">169 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total net finance expenses from insurance contracts </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-253 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-2,416 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-2,536 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-5,205 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Net finance income from reinsurance contracts </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Interest accreted </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">8 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-3 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">5 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Other </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-14 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-11 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total net finance income from reinsurance contracts </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>10 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-16 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-6 </b></td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>391 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>3,561 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-201 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>596 </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>4,347 </b></td></tr></tbody></table> <br/>\n<h3 class=\"table-title\">Investment and (re)insurance finance result prior period </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:0%;\"/><col style=\"width:15%;\"/><col style=\"width:15%;\"/><col style=\"width:15%;\"/><col style=\"width:15%;\"/><col style=\"width:15%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top align-left border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\"><b>31 December 2022 </b></th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Non-Life </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Life GMM </b></th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Life VFA </b></th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Other </b></th><th class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Total </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Investment income </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Direct investment income </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">193 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,498 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">10 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">6 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,708 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Net fair value gains and (losses) </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-1,489 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-11,830 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-1,953 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-12 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-15,284 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Amounts recognised in other comprehensive income </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-130 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-273 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-402 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total investment income </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-1,426 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-10,606 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-1,943 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-4 </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-13,978 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Net finance expenses from insurance contracts </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Changes in fair value of underlying items of direct participating contracts </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,966 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,966 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Interest accreted </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">18 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">107 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">127 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Effect of changes in interest rates and other financial assumptions </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,272 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">8,479 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">148 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">9,899 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Effect of measuring changes in estimates at current rates and adjusting the CSM at rates on initial recognition </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-1 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-88 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-89 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total net finance expenses from insurance contracts </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>1,289 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>8,498 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>2,117 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>11,903 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Net finance income from reinsurance contracts </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Interest accreted </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-1 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">\u00a0</td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Other </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-27 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-40 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-67 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total net finance income from reinsurance contracts </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-26 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-41 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-67 </b></td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-163 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-2,149 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>174 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-4 </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-2,142 </b></td></tr></tbody></table> <br/>\n<p>Direct investment income increased due to increasing interest rates. </p>\n<p>See <a href=\"#n1285996\" title=\"Net fair value gains and (losses)\">chapter 7.6.5</a> for more information regarding net fair value gains and (losses). </p>\n<p>Amounts recognised in other comprehensive income relate to revaluation of equity and debt instruments held at FVOCI. </p>\n<h1 class=\"S_PARAGRAPH\" id=\"n1285788\"><span class=\"number\">7.6.8 </span><span class=\"title-text\">Other finance expenses </span></h1>\n<h3 class=\"table-title\">Breakdown of the other finance expenses </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:auto;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>2023 </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>2022 </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Other finance expenses on financial liabilities not measured at fair value </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Subordinated liabilities </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-115 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-51 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Borrowings </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-198 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-3 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Savings deposits </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-60 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Due to banks </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-91 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-11 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Other financial liabilities </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-2 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-2 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Other finance expenses on other liabilities </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Employee benefits </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-142 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-35 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Derivatives </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-2,117 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-313 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Other finance or fee expenses </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-11 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-5 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Interest expenses on financial assets </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-1 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-28 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total other finance expenses </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-2,736 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-449 </b></td></tr></tbody></table> <br/>\n<p>Finance expenses on subordinated liabilities increased due to \u20ac\u00a01 billion Tier 2 notes issued on 22 November 2022, see chapter <a href=\"#n1288760\" title=\"Subordinated liabilities\">7.5.12.</a>The increase in finance expenses on borrowings is mainly due to the acquisition of Aegon NL, see chapter <a href=\"#n1287134\" title=\"Acquisitions\">7.4.5</a>. </p>\n<p>The increase in finance expenses on employee benefits is due to the acquisition of Aegon NL, and due to a higher interest accrual on the DB obligation of post-employment benefits pensions as a result of an increased discount rate, see chapter <a href=\"#n1289054\" title=\"Employee benefits\">7.5.15</a>. The interest expense is calculated based on interest rates as of 31 December of the previous year. (31 December 2022: 3.67%; 31 December 2021: 0.90%). </p>\n<p>Finance expenses on derivatives increased due to increased variable interest rates and the acquisition of Aegon NL. </p>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfInterestExpenseExplanatory",
    "language": "en",
    "entity": "scheme:7245000G0HS48PZWUD53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "ixv-749": {
   "value": "\n<h1 class=\"S_PARAGRAPH\" id=\"n1285788\"><span class=\"number\">7.6.8 </span><span class=\"title-text\">Other finance expenses </span></h1>\n<h3 class=\"table-title\">Breakdown of the other finance expenses </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:auto;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>2023 </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>2022 </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Other finance expenses on financial liabilities not measured at fair value </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Subordinated liabilities </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-115 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-51 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Borrowings </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-198 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-3 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Savings deposits </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-60 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Due to banks </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-91 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-11 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Other financial liabilities </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-2 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-2 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Other finance expenses on other liabilities </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Employee benefits </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-142 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-35 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Derivatives </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-2,117 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-313 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Other finance or fee expenses </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-11 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-5 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Interest expenses on financial assets </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-1 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-28 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total other finance expenses </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-2,736 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-449 </b></td></tr></tbody></table> <br/>\n<p>Finance expenses on subordinated liabilities increased due to \u20ac\u00a01 billion Tier 2 notes issued on 22 November 2022, see chapter <a href=\"#n1288760\" title=\"Subordinated liabilities\">7.5.12.</a>The increase in finance expenses on borrowings is mainly due to the acquisition of Aegon NL, see chapter <a href=\"#n1287134\" title=\"Acquisitions\">7.4.5</a>. </p>\n<p>The increase in finance expenses on employee benefits is due to the acquisition of Aegon NL, and due to a higher interest accrual on the DB obligation of post-employment benefits pensions as a result of an increased discount rate, see chapter <a href=\"#n1289054\" title=\"Employee benefits\">7.5.15</a>. The interest expense is calculated based on interest rates as of 31 December of the previous year. (31 December 2022: 3.67%; 31 December 2021: 0.90%). </p>\n<p>Finance expenses on derivatives increased due to increased variable interest rates and the acquisition of Aegon NL. </p>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfBorrowingCostsExplanatory",
    "language": "en",
    "entity": "scheme:7245000G0HS48PZWUD53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "ixv-755": {
   "value": "\n<h1 class=\"S_PARAGRAPH\" id=\"n1285813\"><span class=\"number\">7.6.9 </span><span class=\"title-text\">Fee income </span></h1>\n<h3 class=\"table-title\">Fee income </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:auto;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>2023 </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>2022 </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Asset management for third parties </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">85 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">66 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Other fee income </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">250 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">134 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total fee income </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>334 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>200 </b></td></tr></tbody></table> <br/>\n<p>Other fee income mainly relates to the fee income from the Distribution and Services entities. The increase in other fee income is mostly related to the acquired activities of Aegon NL. </p>\n<h1 class=\"S_PARAGRAPH\" id=\"n1285858\"><span class=\"number\">7.6.11 </span><span class=\"title-text\">Operating and other expenses </span></h1>\n<h3 class=\"table-title\">Operating and other expenses </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:67%;\"/><col style=\"width:16%;\"/><col style=\"width:17%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>2023 </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>2022 </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Salaries and wages </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-463 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-316 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Social security contributions </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-64 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-41 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Employee benefit charges </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-88 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-61 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Employee discounts </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-3 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-3 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Other short-term employee benefits </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-24 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-12 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total cost of own staff </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-642 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-433 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Cost of external staff </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-94 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-98 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Consultancy costs and fees </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-151 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-111 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Marketing, advertising and public relations expenses </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-51 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-22 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Technology and system costs </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-125 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-71 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Amortisation of other intangible assets (chapter 7.5.1) </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-28 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-11 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Depreciation of property, plant and equipment (chapter 7.5.2) </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-24 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-17 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Restructuring provision expenses </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-58 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-4 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Commission expenses </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-778 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-612 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Costs associated with sale of development property </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-7 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-33 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Operating expenses of wind farms and solar parks </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-29 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-24 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Impairments on non-financial assets </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-13 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-1 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Release of the loss component for onerous contracts </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-18 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-15 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Other </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-383 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">14 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Amounts attributed to insurance acquisition cash flows </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">22 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">13 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Insurance acquisition cash flows recognised in profit or loss </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-15 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-2 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total operating and other expenses </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-2,393 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-1,427 </b></td></tr></tbody></table> <br/>\n<h3 class=\"table-title\">Presentation of the operating and other expenses in the income statement </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:auto;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>2023 </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>2022 </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Total operating expenses are presented in the following income statement line items: </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Insurance service expenses </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-1,227 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-1,050 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Investment operating expenses </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-216 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-70 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Other expenses </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-950 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-307 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total operating and other expenses </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-2,393 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-1,427 </b></td></tr></tbody></table> <br/>\n<p>The increase of total operating and other expenses primarily reflects the larger cost base including Aegon NL. The agreement with claim organisations on Unit Linked life insurance transparency resulted in an increase of other expenses of \u20ac\u00a0300 million and includes an additional provision of \u20ac\u00a050 million to facilitate\u00a0individual claims of customers in distressing situations (see <a href=\"#n1289145\" title=\"Provisions\">chapter 7.5.16</a>). </p>\n<h3 class=\"table-title\">Segmentation of a.s.r.'s internal workforce </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:auto;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;\">Segments </th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">2023 </th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">2022 </th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Non-life </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1,810 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,541 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Life </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">735 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">488 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Asset Management </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">808 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">409 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Banking </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">438 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">0 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Distribution and Services </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,396 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">745 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Holding and Other </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1,807 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,130 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total workforce </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>7,994 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>4,313 </b></td></tr></tbody></table> <br/>\n<p>The increase of a.s.r.'s total internal workforce is mainly the result of the acquisition of Aegon NL (see <a href=\"#n1287134\" title=\"Acquisitions\">chapter 7.4.5</a>). Total workforce of 2023 include 4,479 a.s.r. stand-alone colleagues and 3,515 ex-Aegon NL colleagues. </p>\n<p>Employees related to administrative activities and overhead are allocated to segment Holding and Other. </p>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfFeeAndCommissionIncomeExpenseExplanatory",
    "language": "en",
    "entity": "scheme:7245000G0HS48PZWUD53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "ixv-758": {
   "value": "\n<h1 class=\"S_PARAGRAPH\" id=\"n1285835\"><span class=\"number\">7.6.10 </span><span class=\"title-text\">Other income </span></h1>\n<h3 class=\"table-title\">Other income </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:auto;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>2023 </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>2022 </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Proceeds from sales of property developments </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">25 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">11 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Revenues generated by wind farms and solar parks </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">63 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">88 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Revenues projects </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">10 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Other income </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">290 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">11 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total other income </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>389 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>109 </b></td></tr></tbody></table> <br/>\n<p>Other income relates mainly to the bargain purchase of \u20ac\u00a0153 million on the Aegon NL transaction and to the Framework Asset Management Agreement (FAMA) between Aegon Ltd. and a.s.r. for \u20ac\u00a075 million, see <a href=\"#n1287134\" title=\"Acquisitions\">chapter 7.4.5</a>. </p>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfOtherOperatingIncomeExplanatory",
    "language": "en",
    "entity": "scheme:7245000G0HS48PZWUD53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "ixv-759": {
   "value": "\n<h1 class=\"S_PARAGRAPH\" id=\"n1285835\"><span class=\"number\">7.6.10 </span><span class=\"title-text\">Other income </span></h1>\n<h3 class=\"table-title\">Other income </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:auto;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>2023 </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>2022 </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Proceeds from sales of property developments </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">25 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">11 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Revenues generated by wind farms and solar parks </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">63 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">88 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Revenues projects </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">10 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Other income </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">290 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">11 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total other income </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>389 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>109 </b></td></tr></tbody></table> <br/>\n<p>Other income relates mainly to the bargain purchase of \u20ac\u00a0153 million on the Aegon NL transaction and to the Framework Asset Management Agreement (FAMA) between Aegon Ltd. and a.s.r. for \u20ac\u00a075 million, see <a href=\"#n1287134\" title=\"Acquisitions\">chapter 7.4.5</a>. </p>\n<h1 class=\"S_PARAGRAPH\" id=\"n1285858\"><span class=\"number\">7.6.11 </span><span class=\"title-text\">Operating and other expenses </span></h1>\n<h3 class=\"table-title\">Operating and other expenses </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:67%;\"/><col style=\"width:16%;\"/><col style=\"width:17%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>2023 </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>2022 </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Salaries and wages </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-463 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-316 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Social security contributions </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-64 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-41 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Employee benefit charges </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-88 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-61 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Employee discounts </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-3 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-3 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Other short-term employee benefits </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-24 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-12 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total cost of own staff </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-642 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-433 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Cost of external staff </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-94 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-98 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Consultancy costs and fees </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-151 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-111 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Marketing, advertising and public relations expenses </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-51 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-22 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Technology and system costs </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-125 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-71 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Amortisation of other intangible assets (chapter 7.5.1) </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-28 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-11 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Depreciation of property, plant and equipment (chapter 7.5.2) </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-24 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-17 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Restructuring provision expenses </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-58 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-4 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Commission expenses </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-778 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-612 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Costs associated with sale of development property </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-7 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-33 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Operating expenses of wind farms and solar parks </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-29 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-24 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Impairments on non-financial assets </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-13 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-1 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Release of the loss component for onerous contracts </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-18 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-15 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Other </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-383 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">14 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Amounts attributed to insurance acquisition cash flows </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">22 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">13 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Insurance acquisition cash flows recognised in profit or loss </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-15 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-2 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total operating and other expenses </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-2,393 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-1,427 </b></td></tr></tbody></table> <br/>\n<h3 class=\"table-title\">Presentation of the operating and other expenses in the income statement </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:auto;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>2023 </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>2022 </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Total operating expenses are presented in the following income statement line items: </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Insurance service expenses </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-1,227 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-1,050 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Investment operating expenses </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-216 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-70 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Other expenses </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-950 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-307 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total operating and other expenses </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-2,393 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-1,427 </b></td></tr></tbody></table> <br/>\n<p>The increase of total operating and other expenses primarily reflects the larger cost base including Aegon NL. The agreement with claim organisations on Unit Linked life insurance transparency resulted in an increase of other expenses of \u20ac\u00a0300 million and includes an additional provision of \u20ac\u00a050 million to facilitate\u00a0individual claims of customers in distressing situations (see <a href=\"#n1289145\" title=\"Provisions\">chapter 7.5.16</a>). </p>\n<h3 class=\"table-title\">Segmentation of a.s.r.'s internal workforce </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:auto;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;\">Segments </th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">2023 </th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">2022 </th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Non-life </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1,810 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,541 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Life </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">735 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">488 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Asset Management </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">808 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">409 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Banking </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">438 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">0 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Distribution and Services </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,396 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">745 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Holding and Other </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1,807 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,130 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total workforce </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>7,994 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>4,313 </b></td></tr></tbody></table> <br/>\n<p>The increase of a.s.r.'s total internal workforce is mainly the result of the acquisition of Aegon NL (see <a href=\"#n1287134\" title=\"Acquisitions\">chapter 7.4.5</a>). Total workforce of 2023 include 4,479 a.s.r. stand-alone colleagues and 3,515 ex-Aegon NL colleagues. </p>\n<p>Employees related to administrative activities and overhead are allocated to segment Holding and Other. </p>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfOtherOperatingIncomeExpenseExplanatory",
    "language": "en",
    "entity": "scheme:7245000G0HS48PZWUD53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "ixv-761": {
   "value": "\n<h1 class=\"S_PARAGRAPH\" id=\"n1285858\"><span class=\"number\">7.6.11 </span><span class=\"title-text\">Operating and other expenses </span></h1>\n<h3 class=\"table-title\">Operating and other expenses </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:67%;\"/><col style=\"width:16%;\"/><col style=\"width:17%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>2023 </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>2022 </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Salaries and wages </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-463 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-316 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Social security contributions </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-64 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-41 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Employee benefit charges </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-88 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-61 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Employee discounts </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-3 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-3 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Other short-term employee benefits </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-24 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-12 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total cost of own staff </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-642 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-433 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Cost of external staff </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-94 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-98 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Consultancy costs and fees </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-151 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-111 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Marketing, advertising and public relations expenses </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-51 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-22 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Technology and system costs </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-125 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-71 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Amortisation of other intangible assets (chapter 7.5.1) </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-28 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-11 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Depreciation of property, plant and equipment (chapter 7.5.2) </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-24 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-17 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Restructuring provision expenses </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-58 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-4 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Commission expenses </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-778 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-612 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Costs associated with sale of development property </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-7 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-33 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Operating expenses of wind farms and solar parks </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-29 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-24 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Impairments on non-financial assets </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-13 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-1 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Release of the loss component for onerous contracts </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-18 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-15 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Other </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-383 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">14 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Amounts attributed to insurance acquisition cash flows </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">22 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">13 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Insurance acquisition cash flows recognised in profit or loss </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-15 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-2 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total operating and other expenses </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-2,393 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-1,427 </b></td></tr></tbody></table> <br/>\n<h3 class=\"table-title\">Presentation of the operating and other expenses in the income statement </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:auto;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>2023 </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>2022 </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Total operating expenses are presented in the following income statement line items: </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Insurance service expenses </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-1,227 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-1,050 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Investment operating expenses </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-216 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-70 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Other expenses </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-950 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-307 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total operating and other expenses </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-2,393 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-1,427 </b></td></tr></tbody></table> <br/>\n<p>The increase of total operating and other expenses primarily reflects the larger cost base including Aegon NL. The agreement with claim organisations on Unit Linked life insurance transparency resulted in an increase of other expenses of \u20ac\u00a0300 million and includes an additional provision of \u20ac\u00a050 million to facilitate\u00a0individual claims of customers in distressing situations (see <a href=\"#n1289145\" title=\"Provisions\">chapter 7.5.16</a>). </p>\n<h3 class=\"table-title\">Segmentation of a.s.r.'s internal workforce </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:auto;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;\">Segments </th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">2023 </th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">2022 </th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Non-life </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1,810 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,541 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Life </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">735 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">488 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Asset Management </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">808 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">409 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Banking </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">438 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">0 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Distribution and Services </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,396 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">745 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Holding and Other </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1,807 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,130 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total workforce </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>7,994 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>4,313 </b></td></tr></tbody></table> <br/>\n<p>The increase of a.s.r.'s total internal workforce is mainly the result of the acquisition of Aegon NL (see <a href=\"#n1287134\" title=\"Acquisitions\">chapter 7.4.5</a>). Total workforce of 2023 include 4,479 a.s.r. stand-alone colleagues and 3,515 ex-Aegon NL colleagues. </p>\n<p>Employees related to administrative activities and overhead are allocated to segment Holding and Other. </p>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfDepreciationAndAmortisationExpenseExplanatory",
    "language": "en",
    "entity": "scheme:7245000G0HS48PZWUD53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "ixv-764": {
   "value": "\n<h1 class=\"S_PARAGRAPH\" id=\"n1285858\"><span class=\"number\">7.6.11 </span><span class=\"title-text\">Operating and other expenses </span></h1>\n<h3 class=\"table-title\">Operating and other expenses </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:67%;\"/><col style=\"width:16%;\"/><col style=\"width:17%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>2023 </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>2022 </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Salaries and wages </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-463 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-316 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Social security contributions </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-64 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-41 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Employee benefit charges </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-88 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-61 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Employee discounts </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-3 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-3 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Other short-term employee benefits </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-24 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-12 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total cost of own staff </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-642 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-433 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Cost of external staff </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-94 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-98 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Consultancy costs and fees </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-151 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-111 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Marketing, advertising and public relations expenses </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-51 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-22 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Technology and system costs </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-125 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-71 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Amortisation of other intangible assets (chapter 7.5.1) </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-28 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-11 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Depreciation of property, plant and equipment (chapter 7.5.2) </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-24 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-17 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Restructuring provision expenses </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-58 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-4 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Commission expenses </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-778 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-612 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Costs associated with sale of development property </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-7 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-33 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Operating expenses of wind farms and solar parks </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-29 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-24 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Impairments on non-financial assets </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-13 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-1 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Release of the loss component for onerous contracts </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-18 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-15 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Other </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-383 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">14 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Amounts attributed to insurance acquisition cash flows </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">22 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">13 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Insurance acquisition cash flows recognised in profit or loss </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-15 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-2 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total operating and other expenses </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-2,393 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-1,427 </b></td></tr></tbody></table> <br/>\n<h3 class=\"table-title\">Presentation of the operating and other expenses in the income statement </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:auto;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>2023 </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>2022 </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Total operating expenses are presented in the following income statement line items: </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Insurance service expenses </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-1,227 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-1,050 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Investment operating expenses </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-216 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-70 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Other expenses </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-950 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-307 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total operating and other expenses </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-2,393 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-1,427 </b></td></tr></tbody></table> <br/>\n<p>The increase of total operating and other expenses primarily reflects the larger cost base including Aegon NL. The agreement with claim organisations on Unit Linked life insurance transparency resulted in an increase of other expenses of \u20ac\u00a0300 million and includes an additional provision of \u20ac\u00a050 million to facilitate\u00a0individual claims of customers in distressing situations (see <a href=\"#n1289145\" title=\"Provisions\">chapter 7.5.16</a>). </p>\n<h3 class=\"table-title\">Segmentation of a.s.r.'s internal workforce </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:auto;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;\">Segments </th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">2023 </th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">2022 </th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Non-life </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1,810 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,541 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Life </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">735 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">488 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Asset Management </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">808 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">409 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Banking </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">438 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">0 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Distribution and Services </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,396 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">745 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Holding and Other </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1,807 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,130 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total workforce </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>7,994 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>4,313 </b></td></tr></tbody></table> <br/>\n<p>The increase of a.s.r.'s total internal workforce is mainly the result of the acquisition of Aegon NL (see <a href=\"#n1287134\" title=\"Acquisitions\">chapter 7.4.5</a>). Total workforce of 2023 include 4,479 a.s.r. stand-alone colleagues and 3,515 ex-Aegon NL colleagues. </p>\n<p>Employees related to administrative activities and overhead are allocated to segment Holding and Other. </p>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfGeneralAndAdministrativeExpenseExplanatory",
    "language": "en",
    "entity": "scheme:7245000G0HS48PZWUD53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "ixv-766": {
   "value": "\n<h1 class=\"S_PARAGRAPH\" id=\"n1285858\"><span class=\"number\">7.6.11 </span><span class=\"title-text\">Operating and other expenses </span></h1>\n<h3 class=\"table-title\">Operating and other expenses </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:67%;\"/><col style=\"width:16%;\"/><col style=\"width:17%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>2023 </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>2022 </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Salaries and wages </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-463 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-316 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Social security contributions </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-64 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-41 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Employee benefit charges </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-88 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-61 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Employee discounts </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-3 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-3 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Other short-term employee benefits </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-24 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-12 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total cost of own staff </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-642 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-433 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Cost of external staff </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-94 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-98 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Consultancy costs and fees </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-151 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-111 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Marketing, advertising and public relations expenses </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-51 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-22 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Technology and system costs </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-125 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-71 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Amortisation of other intangible assets (chapter 7.5.1) </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-28 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-11 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Depreciation of property, plant and equipment (chapter 7.5.2) </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-24 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-17 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Restructuring provision expenses </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-58 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-4 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Commission expenses </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-778 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-612 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Costs associated with sale of development property </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-7 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-33 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Operating expenses of wind farms and solar parks </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-29 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-24 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Impairments on non-financial assets </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-13 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-1 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Release of the loss component for onerous contracts </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-18 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-15 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Other </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-383 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">14 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Amounts attributed to insurance acquisition cash flows </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">22 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">13 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Insurance acquisition cash flows recognised in profit or loss </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-15 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-2 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total operating and other expenses </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-2,393 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-1,427 </b></td></tr></tbody></table> <br/>\n<h3 class=\"table-title\">Presentation of the operating and other expenses in the income statement </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:auto;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>2023 </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>2022 </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Total operating expenses are presented in the following income statement line items: </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Insurance service expenses </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-1,227 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-1,050 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Investment operating expenses </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-216 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-70 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Other expenses </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-950 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-307 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total operating and other expenses </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-2,393 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-1,427 </b></td></tr></tbody></table> <br/>\n<p>The increase of total operating and other expenses primarily reflects the larger cost base including Aegon NL. The agreement with claim organisations on Unit Linked life insurance transparency resulted in an increase of other expenses of \u20ac\u00a0300 million and includes an additional provision of \u20ac\u00a050 million to facilitate\u00a0individual claims of customers in distressing situations (see <a href=\"#n1289145\" title=\"Provisions\">chapter 7.5.16</a>). </p>\n<h3 class=\"table-title\">Segmentation of a.s.r.'s internal workforce </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:auto;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;\">Segments </th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">2023 </th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">2022 </th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Non-life </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1,810 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,541 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Life </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">735 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">488 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Asset Management </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">808 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">409 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Banking </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">438 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">0 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Distribution and Services </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,396 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">745 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Holding and Other </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1,807 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,130 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total workforce </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>7,994 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>4,313 </b></td></tr></tbody></table> <br/>\n<p>The increase of a.s.r.'s total internal workforce is mainly the result of the acquisition of Aegon NL (see <a href=\"#n1287134\" title=\"Acquisitions\">chapter 7.4.5</a>). Total workforce of 2023 include 4,479 a.s.r. stand-alone colleagues and 3,515 ex-Aegon NL colleagues. </p>\n<p>Employees related to administrative activities and overhead are allocated to segment Holding and Other. </p>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfOtherOperatingExpenseExplanatory",
    "language": "en",
    "entity": "scheme:7245000G0HS48PZWUD53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "ixv-769": {
   "value": "\n<h1 class=\"S_PARAGRAPH\" id=\"n1285882\"><span class=\"number\">7.6.12 </span><span class=\"title-text\">Income tax expense </span></h1>\n<h3 class=\"table-title\">Income tax (expense) / gain </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:0%;\"/><col style=\"width:14%;\"/><col style=\"width:14%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">2023 </th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">2022 </th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Current taxes for the current period </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-136 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">39 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Current taxes referring to previous periods </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-6 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">9 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total current tax </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-142 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>47 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Deferred taxes arising from current period </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-161 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">559 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total deferred tax </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-161 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>559 </b></td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total income tax (expense) / gain </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-303 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>606 </b></td></tr></tbody></table> <br/>\n<p>The expected income tax expense is determined by applying the tax rate in the Netherlands to the result before tax. In 2023, this rate was 25.8% (2022: 25.8%). The enacted tax rate for 2024 will be 25.8%. </p>\n<h3 class=\"table-title\">Reconciliation of expected income tax (expense) / gain with the actual income tax (expense) / gain </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:0%;\"/><col style=\"width:14%;\"/><col style=\"width:14%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">2023 </th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">2022 </th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Result before tax from continuing operations </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1,389 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-2,323 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Current tax rates </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">25,8% </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">25,8% </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Expected income tax expense </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-358 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>599 </b></td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Effects of: </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Tax on interest on other equity instruments </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">12 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">12 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Tax-exempt dividend </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">9 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">8 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Tax-exempt capital gains </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-5 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Tax-exempt associates and joint ventures </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Tax-exempt other income </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">6 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Changes in impairments </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-6 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-3 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Other effects </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">32 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-6 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total income tax (expense) / gain </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-303 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>606 </b></td></tr></tbody></table> <br/>\n<p>The result is almost entirely earned and taxable in the Netherlands. </p>\n<p>The effective income tax rate is 21.8% (2022: 26.1%). This decrease is mainly due to a negative tax result impact in relation to the tax exemption of capital gains. </p>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfIncomeTaxExplanatory",
    "language": "en",
    "entity": "scheme:7245000G0HS48PZWUD53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "ixv-771": {
   "value": "\n<h1 class=\"S_PARAGRAPH\" id=\"n1285236\"><span class=\"number\">7.7.1 </span><span class=\"title-text\">Fair value of assets and liabilities </span></h1>\n<p>See accounting <a href=\"#n1286252\" title=\"Key accounting policies\">policy B</a>. </p>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n1285259\"><span class=\"number\">7.7.1.1 </span><span class=\"title-text\">Financial assets and liabilities measured at fair value </span></h1>\n<h3 class=\"table-title\">Breakdown of financial assets measured at fair value </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:auto;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/></colgroup><thead>\n<tr style=\"border:none;\"><th class=\"startCol-1 endCol-1 valign-top border-right-1 headrow\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;border-bottom:1px solid;\"><b>Fair value based on quoted prices in an active market </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;border-bottom:1px solid;\"><b>Fair value based on observable market data </b></th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 headrow\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;border-bottom:1px solid;\"><b>Fair value not based on observable market data </b></th><th class=\"startCol-5 endCol-5 valign-top headrow\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th></tr>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top align-left border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\"><b>31 December 2023 </b></th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Level 1 </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Level 2 </b></th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Level 3 </b></th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Total fair value </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Investments at FVTPL </b></td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Investments - transferred under repurchase agreements </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Government bonds </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">213 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">213 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>213 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>213 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Investments - own risk </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Real estate equity funds </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">5,380 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">5,380 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Mortgage equity funds </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">997 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">997 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Debt equity funds </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">19 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">70 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">684 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">772 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Government bonds </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">15,109 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">745 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">15,854 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Corporate bonds </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">9,204 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">744 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">9,948 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Asset-backed securities </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">3,013 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">3,013 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Other investment funds </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">606 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">974 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">572 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,153 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Equities </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">247 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">247 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Mortgage loans </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">24,494 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">24,494 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Private loans </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,365 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">8,932 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">12 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">11,309 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>27,550 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>11,465 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>35,152 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>74,167 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Investments related to direct participating insurance contracts </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Real estate equity funds </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">278 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">278 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Mortgage equity funds </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">271 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">271 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Debt equity funds </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">18 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">18 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Government bonds </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">6,013 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">6,013 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Corporate bonds </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,936 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,936 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Asset-backed securities </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">351 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">351 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Other investment funds </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">518 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">258 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">421 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1,197 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Derivatives </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">12 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">86 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">98 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Equities </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">14,252 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">14,252 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Mortgage loans </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1,357 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1,357 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Private loans </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">208 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">208 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Other investments </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1,989 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1,386 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">3,375 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>26,016 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>1,937 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>2,400 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>30,352 </b></td></tr></tbody></table> <br/>\n<h3 class=\"table-title\">Breakdown of financial assets measured at fair value </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:auto;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/></colgroup><thead>\n<tr style=\"border:none;\"><th class=\"startCol-1 endCol-1 valign-top border-right-1 headrow\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;border-bottom:1px solid;\"><b>Fair value based on quoted prices in an active market </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;border-bottom:1px solid;\"><b>Fair value based on observable market data </b></th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 headrow\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;border-bottom:1px solid;\"><b>Fair value not based on observable market data </b></th><th class=\"startCol-5 endCol-5 valign-top headrow\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th></tr>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top align-left border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\"><b>31 December 2023 </b></th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Level 1 </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Level 2 </b></th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Level 3 </b></th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Total fair value </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Investments at FVOCI </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Government bonds </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">280 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">79 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">359 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Corporate bonds </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">461 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">60 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">521 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Equities </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,291 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">58 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,348 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Preference shares </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">75 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">4 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">79 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Other participating contracts </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">5 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">5 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>3,036 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>214 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>62 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>3,312 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Derivatives </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Foreign exchange contracts </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">57 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">57 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Interest rate contracts </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">- Swaps </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">11,655 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">11,655 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">- Options </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">709 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">709 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">- Futures </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">77 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">78 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Equity index contracts </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">29 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">21 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">49 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Inflation linked swaps </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">358 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">358 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>29 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>12,878 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>12,907 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Cash and cash equivalents </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">7,910 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">7,910 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total financial assets measured at fair value </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>64,755 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>26,493 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>37,613 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>128,861 </b></td></tr></tbody></table> <br/>\n<h3 class=\"table-title\">Breakdown of financial liabilities measured at fair value </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:0%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:14%;\"/></colgroup><thead>\n<tr style=\"border:none;\"><th class=\"startCol-1 endCol-1 valign-top border-right-1 headrow\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;border-bottom:1px solid;\"><b>Fair value based on quoted prices in an active market </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;border-bottom:1px solid;\"><b>Fair value based on observable market data </b></th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 headrow\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;border-bottom:1px solid;\"><b>Fair value not based on observable market data </b></th><th class=\"startCol-5 endCol-5 valign-top headrow\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th></tr>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top align-left border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\"><b>31 December 2023 </b></th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Level 1 </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Level 2 </b></th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Level 3 </b></th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Total fair value </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Financial liabilities </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Derivatives </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Foreign exchange contracts </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">116 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">116 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Interest rate contracts </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">- Swaps </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">9,766 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">9,766 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">- Options </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">59 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">59 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">- Futures </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">90 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">91 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Equity index contracts </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">79 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">79 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Inflation linked swaps </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">21 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">21 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>90 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>10,041 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>10,132 </b></td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total financial liabilities measured at fair value </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>90 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>10,041 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>10,132 </b></td></tr></tbody></table> <br/>\n<h3 class=\"table-title\">Breakdown of financial assets measured at fair value </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:auto;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/></colgroup><thead>\n<tr style=\"border:none;\"><th class=\"startCol-1 endCol-1 valign-top border-right-1 headrow\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;border-bottom:1px solid;\"><b>Fair value based on quoted prices in an active market </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;border-bottom:1px solid;\"><b>Fair value based on observable market data </b></th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 headrow\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;border-bottom:1px solid;\"><b>Fair value not based on observable market data </b></th><th class=\"startCol-5 endCol-5 valign-top headrow\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th></tr>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top align-left border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\"><b>31 December 2022 </b></th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Level 1 </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Level 2 </b></th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Level 3 </b></th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Total fair value </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Investments at FVTPL </b></td><td class=\"startCol-2 endCol-2 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\"><b>Investments - transferred under repurchase agreements </b></td><td class=\"startCol-2 endCol-2 valign-top\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\">Government bonds </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1\" style=\"text-align:right;vertical-align:bottom;\">437 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1\" style=\"text-align:right;vertical-align:bottom;\">437 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>437 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>437 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Investments - own risk </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Real estate equity funds </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">4,092 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">4,092 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Mortgage equity funds </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,008 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,008 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Government bonds </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">8,646 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">204 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">22 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">8,872 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Corporate bonds </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">7,149 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">117 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">6 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">7,272 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Asset-backed securities </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">6 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">407 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">413 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Other investment funds </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">759 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">705 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">141 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,605 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Equities </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">67 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">67 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Mortgage loans </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">9,074 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">9,074 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Private loans </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,668 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">4,507 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">15 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">6,191 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>18,296 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>5,534 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>14,765 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>38,594 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Investments related to direct participating insurance contracts </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Real estate equity funds </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">170 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">170 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Mortgage equity funds </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">252 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">252 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Government bonds </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,543 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,543 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Corporate bonds </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,386 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,386 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Equities </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">6,486 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">6,486 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Other investments </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">72 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">4 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">76 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>9,657 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>4 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>252 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>9,912 </b></td></tr></tbody></table> <br/>\n<h3 class=\"table-title\">Breakdown of financial assets measured at fair value </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:auto;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/></colgroup><thead>\n<tr style=\"border:none;\"><th class=\"startCol-1 endCol-1 valign-top border-right-1 headrow\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;border-bottom:1px solid;\"><b>Fair value based on quoted prices in an active market </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;border-bottom:1px solid;\"><b>Fair value based on observable market data </b></th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 headrow\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;border-bottom:1px solid;\"><b>Fair value not based on observable market data </b></th><th class=\"startCol-5 endCol-5 valign-top headrow\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th></tr>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top align-left border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\"><b>31 December 2022 </b></th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Level 1 </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Level 2 </b></th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Level 3 </b></th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Total fair value </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Investments at FVOCI </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Equities </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,676 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">67 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,743 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Preference shares </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">293 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">5 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">297 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Other participating contracts </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">6 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">6 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>1,683 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>293 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>71 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>2,046 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Derivatives </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Foreign exchange contracts </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">80 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">80 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Interest rate contracts </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">- Swaps </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">5,116 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">5,116 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">- Options </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">275 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">275 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">- Futures </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">102 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">113 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">215 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Equity index contracts </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">31 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">31 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Inflation linked swaps </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">44 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">44 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>133 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>5,628 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>5,761 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Cash and cash equivalents </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1\" style=\"text-align:right;vertical-align:bottom;\">2,246 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1\" style=\"text-align:right;vertical-align:bottom;\">2,246 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total financial assets measured at fair value </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>32,451 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>11,458 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>15,088 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>58,996 </b></td></tr></tbody></table> <br/>\n<h3 class=\"table-title\">Breakdown of financial liabilities measured at fair value </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:0%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:14%;\"/></colgroup><thead>\n<tr style=\"border:none;\"><th class=\"startCol-1 endCol-1 valign-top border-right-1 headrow\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;border-bottom:1px solid;\"><b>Fair value based on quoted prices in an active market </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;border-bottom:1px solid;\"><b>Fair value based on observable market data </b></th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 headrow\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;border-bottom:1px solid;\"><b>Fair value not based on observable market data </b></th><th class=\"startCol-5 endCol-5 valign-top headrow\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th></tr>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top align-left border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\"><b>31 December 2022 </b></th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Level 1 </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Level 2 </b></th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Level 3 </b></th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Total fair value </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Financial liabilities </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Derivatives </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Foreign exchange contracts </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">29 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">29 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Interest rate contracts </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">- Swaps </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">5,653 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">5,653 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>5,681 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>5,681 </b></td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total financial liabilities measured at fair value </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>5,681 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>5,681 </b></td></tr></tbody></table> <br/>\n<p>Cash and cash equivalents are classified as level 1 when not subject to restrictions. </p>\n<h3 class=\"table-title\">Reclassification between categories </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:0%;\"/><col style=\"width:12%;\"/><col style=\"width:12%;\"/><col style=\"width:12%;\"/><col style=\"width:12%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;\"><b>2023 </b></th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>To level 1 </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>To level 2 </b></th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>To level 3 </b></th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Total </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>From </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Level 1: Fair value based on quoted prices in active market </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">125 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>125 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Level 2: Fair value based on observable market data </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">145 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>145 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Level 3: Fair value not based on observable market data </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td></tr></tbody></table> <br/>\n<p>Debt instrument funds are adjusted from level 2 to level 1 (\u20ac\u00a0145 million) and from level 1 to level 2 (\u20ac\u00a0125 million). Those movements are based respectively on increased and decreased observability of the inputs during the period. </p>\n<h3 class=\"table-title\">Reclassification between categories </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:0%;\"/><col style=\"width:12%;\"/><col style=\"width:12%;\"/><col style=\"width:12%;\"/><col style=\"width:12%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;\"><b>2022 </b></th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>To level 1 </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>To level 2 </b></th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>To level 3 </b></th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Total </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>From </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Level 1: Fair value based on quoted prices in active market </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">51 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">35 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>85 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Level 2: Fair value based on observable market data </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Level 3: Fair value not based on observable market data </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td></tr></tbody></table> <br/>\n<p>Debt instrument funds are adjusted from level 1 to level 2 (\u20ac\u00a051 million) and from level 1 to level 3 (\u20ac\u00a035 million). Those movements are based on decreased observability of the inputs during the period. </p>\n<p>The following two tables show the movement in financial assets measured at fair value including investments relating to direct participating insurance contracts and investment property that are categorised within level 3. </p>\n<h3 class=\"table-title\">Changes in financial assets classified as FVOCI categorised within level 3 </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:0%;\"/><col style=\"width:14%;\"/><col style=\"width:14%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>2023 </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>2022 </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">At 1 January </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">71 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">66 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Unrealised gains and losses recognised in other comprehensive income </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-9 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">6 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>At 31 December </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>62 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>71 </b></td></tr></tbody></table> <br/>\n<h3 class=\"table-title\">Changes in financial assets at FVTPL categorised within level 3 </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:0%;\"/><col style=\"width:14%;\"/><col style=\"width:14%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>2023 </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>2022 </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">At 1 January </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">15,016 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">15,361 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Changes in value of investments, realised/unrealised gains and losses: </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">- Fair value gains and losses </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">161 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-2,388 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Purchases </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">5,735 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">5,676 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Disposals </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-3,400 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-3,988 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Repayments </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-1,357 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-1,137 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Reclassification of investments from/to level 3 valuation technique </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">35 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Net transfer of real estate equity funds </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,456 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Exchange rate differences </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-6 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Other changes </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-170 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Changes in the composition of the group </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">21,571 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>At 31 December </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>37,551 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>15,016 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total revaluations of investments, held at end of period, recognised in the income statement </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>220 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-2,207 </b></td></tr></tbody></table> <br/>\n<p>Changes in the composition of the group relate to the acquisition of Aegon NL, see <a href=\"#n1287134\" title=\"Acquisitions\">chapter 7.4.5</a>. </p>\n<div class=\"header header-2\">Unobservable inputs used in determining the fair value for financial assets measured at fair value (recurring basis) that are categorised within level 3 </div>\n<div class=\"header header-4\">Investments at FVOCI </div>\n<p>The main non-observable market input for the equities classified as level 3 is the net asset value as published by the investee. It is estimated that a 10% increase in valuation of these equities would have no impact on net result due to the non-recycling nature of equity treatment, but would increase equity by \u20ac\u00a06 million (2022: \u20ac\u00a07 million), being approximately 0.1% (before tax) (2022: 0.1% (before tax)) of total equity. </p>\n<div class=\"header header-4\">Investments at FVTPL </div>\n<p>The mortgage loan portfolio is classified as level 3 'not measured on the basis of market observable market data'. Non-observable market inputs are used in the valuation methods, in addition to the observable market inputs. The valuation method used to determine the fair value of the mortgage loan portfolio is based on the mortgage spread of the risk-free interest rate curve and assumptions for unexpected full prepayments, originating costs, and the options related to early redemption and moving. A slight increase in the mortgage spread used would result in a significant decrease in fair value, and vice versa. </p>\n<p>The mortgage loan portfolio consists of high quality mortgages with a relatively fixed return, limited arrears. The mortgage loan portfolio consists only of Dutch mortgages with a limited counterparty default risk in line with the strategic investment plan, see <a href=\"#n1288197\" title=\"Counterparty default risk\">chapter 7.8.4</a>. </p>\n<p>The fair value of asset-backed securities is based on quotes retrieved from brokers or data vendors. The quotes are validated monthly and challenged if deemed necessary. The fair value of securitizations are determined based on a discounted cash flow model in case market quotes are insufficiently liquid. </p>\n<p>The main non-observable market input for the other investment funds classified as level 3 is the net asset value as published by the investee. It is estimated that a 10% increase in valuation of these equities would increase result before tax and equity by \u20ac\u00a057 million (2022: \u20ac\u00a014 million), being approximately 0.6% (before tax) (2022: 0.2% (before tax)) of total equity. </p>\n<p>The method of determining the fair value of the mortgage equity funds is based on the valuation of the underlying mortgage loans. The discounting curve used in this valuation is based on the two lowest tariffs in the market, excluding a.s.r.'s. </p>\n<p>The table below discloses the sensitivities to non-observable market inputs for the real estate equity funds. </p>\n<h3 class=\"table-title\">Unobservable and observable inputs used in determination of fair value </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:0%;\"/><col style=\"width:7%;\"/><col style=\"width:9.5%;\"/><col style=\"width:6.5%;\"/><col style=\"width:12%;\"/><col style=\"width:6.5%;\"/><col style=\"width:8%;\"/><col style=\"width:8%;\"/><col style=\"width:6%;\"/><col style=\"width:6%;\"/><col style=\"width:6%;\"/></colgroup><thead>\n<tr style=\"border:none;\"><th class=\"startCol-1 endCol-8 valign-bottom align-left border-right-1 colspan-8 headrow\" colspan=\"8\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;border-bottom:1px solid;\"><b>31 December 2023 </b></th><th class=\"startCol-9 endCol-11 valign-bottom align-right border-left-1 border-right-1 colspan-3 headrow\" colspan=\"3\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;border-bottom:1px solid;\">Change in theoretical rental value </th></tr>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Fair value </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Valuation technique </b></th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Gross </b></th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b> <br/>Gross theoretical rental value (\u20ac) </b></th><th class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Gross </b></th><th class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Gross yield (%) </b></th><th class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Change in yield </b></th><th class=\"startCol-9 endCol-9 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>-5% </b></th><th class=\"startCol-10 endCol-10 valign-bottom align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>0% </b></th><th class=\"startCol-11 endCol-11 valign-bottom align-right border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>5% </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\"><b>Investments at fair value through profit or loss </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-8 endCol-8 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-9 endCol-9 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-10 endCol-10 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-11 endCol-11 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">Real estate equity funds associates </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">3,357 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">DCF </td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-middle align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">116,418,080 </td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-middle align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">3.5% </td><td class=\"startCol-8 endCol-8 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">-5% </td><td class=\"startCol-9 endCol-9 valign-middle align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-10 endCol-10 valign-middle align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">177 </td><td class=\"startCol-11 endCol-11 valign-middle align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">353 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-8 endCol-8 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">0% </td><td class=\"startCol-9 endCol-9 valign-middle align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">-168 </td><td class=\"startCol-10 endCol-10 valign-middle align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-11 endCol-11 valign-middle align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">168 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-8 endCol-8 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">5% </td><td class=\"startCol-9 endCol-9 valign-middle align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">-320 </td><td class=\"startCol-10 endCol-10 valign-middle align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">-160 </td><td class=\"startCol-11 endCol-11 valign-middle align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">Real estate equity funds third parties </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">2,023 </td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-8 endCol-8 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-9 endCol-9 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-10 endCol-10 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-11 endCol-11 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total real estate equity funds </b></td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\"><b>5,380 </b></td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-8 endCol-8 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-9 endCol-9 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-10 endCol-10 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-11 endCol-11 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr></tbody></table><br/>\n<p>In this table, the real estate equity funds associates acquired through the acquisition of Aegon NL are classified as real estate equity funds third parties. </p>\n<h3 class=\"table-title\">Unobservable and observable inputs used in determination of fair value </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:0%;\"/><col style=\"width:7%;\"/><col style=\"width:9.5%;\"/><col style=\"width:6.5%;\"/><col style=\"width:12%;\"/><col style=\"width:6.5%;\"/><col style=\"width:8%;\"/><col style=\"width:8%;\"/><col style=\"width:6%;\"/><col style=\"width:6%;\"/><col style=\"width:6%;\"/></colgroup><thead>\n<tr style=\"border:none;\"><th class=\"startCol-1 endCol-8 valign-bottom align-left border-right-1 colspan-8 headrow\" colspan=\"8\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;border-bottom:1px solid;\"><b>31 December 2022 </b></th><th class=\"startCol-9 endCol-11 valign-bottom align-right border-left-1 border-right-1 colspan-3 headrow\" colspan=\"3\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;border-bottom:1px solid;\">Change in theoretical rental value </th></tr>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Fair value </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Valuation technique </b></th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Gross </b></th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b> <br/>Gross theoretical rental value (\u20ac) </b></th><th class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Gross </b></th><th class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Gross yield (%) </b></th><th class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Change in yield </b></th><th class=\"startCol-9 endCol-9 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>-5% </b></th><th class=\"startCol-10 endCol-10 valign-bottom align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>0% </b></th><th class=\"startCol-11 endCol-11 valign-bottom align-right border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>5% </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\"><b>Investments at fair value through profit or loss </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-8 endCol-8 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-9 endCol-9 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-10 endCol-10 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-11 endCol-11 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">Real estate equity funds associates </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">3,557 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">DCF </td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-middle align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">110,918,322 </td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-middle align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">3.1% </td><td class=\"startCol-8 endCol-8 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">-5% </td><td class=\"startCol-9 endCol-9 valign-middle align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-10 endCol-10 valign-middle align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">187 </td><td class=\"startCol-11 endCol-11 valign-middle align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">374 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-8 endCol-8 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">0% </td><td class=\"startCol-9 endCol-9 valign-middle align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">-178 </td><td class=\"startCol-10 endCol-10 valign-middle align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-11 endCol-11 valign-middle align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">178 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-8 endCol-8 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">5% </td><td class=\"startCol-9 endCol-9 valign-middle align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">-339 </td><td class=\"startCol-10 endCol-10 valign-middle align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">-169 </td><td class=\"startCol-11 endCol-11 valign-middle align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">Real estate equity funds third parties </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">535 </td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-8 endCol-8 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-9 endCol-9 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-10 endCol-10 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-11 endCol-11 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total real estate equity funds </b></td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>4,092 </b></td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-8 endCol-8 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-9 endCol-9 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-10 endCol-10 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-11 endCol-11 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr></tbody></table><br/>\n<p>The main non-observable market input for the real estate equity funds third parties is the net asset value as published by the investee. An increase or decrease in the net asset value of equities classified as level 3 will have a direct proportional impact on the fair value of the investment. </p>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n1285283\"><span class=\"number\">7.7.1.2 </span><span class=\"title-text\">Financial assets and liabilities not measured at fair value </span></h1>\n<h3 class=\"table-title\">Breakdown of financial assets and liabilities not measured at fair value </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:0%;\"/><col style=\"width:14%;\"/><col style=\"width:14%;\"/><col style=\"width:14%;\"/><col style=\"width:14%;\"/><col style=\"width:14%;\"/></colgroup><thead>\n<tr style=\"border:none;\"><th class=\"startCol-1 endCol-1 valign-top border-right-1 headrow\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;border-bottom:1px solid;\"><b>Fair value based on quoted prices in an active market </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;border-bottom:1px solid;\"><b>Fair value based on observable market data </b></th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 headrow\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;border-bottom:1px solid;\"><b>Fair value not based on observable market data </b></th><th class=\"startCol-5 endCol-5 valign-top headrow\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-6 endCol-6 valign-top headrow\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th></tr>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;\"><b>31 December 2023 </b></th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Level 1 </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Level 2 </b></th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Level 3 </b></th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Total fair value </b></th><th class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Total carrying value </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Financial assets </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Mortgage loans </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">14,308 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">14,308 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">14,590 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Private loans </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">178 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">178 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">185 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Other financial assets </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">494 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">599 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1,093 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1,092 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total financial assets not measured at fair value </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>494 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>599 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>14,485 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>15,578 </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>15,867 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Financial liabilities </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Subordinated liabilities </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,118 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,118 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,005 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Borrowings </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">6,365 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">88 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">6,453 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">6,384 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Savings deposits </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">12,121 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">12,121 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">11,967 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Due to banks </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">4,312 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">200 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">4,512 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">4,512 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Other financial liabilities </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">54 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">189 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">243 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">237 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total financial liabilities not measured at fair value </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>4,366 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>8,872 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>12,209 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>25,447 </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>25,104 </b></td></tr></tbody></table> <br/>\n<h3 class=\"table-title\">Breakdown of financial assets and liabilities not measured at fair value </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:0%;\"/><col style=\"width:14%;\"/><col style=\"width:14%;\"/><col style=\"width:14%;\"/><col style=\"width:14%;\"/><col style=\"width:14%;\"/></colgroup><thead>\n<tr style=\"border:none;\"><th class=\"startCol-1 endCol-1 valign-top border-right-1 headrow\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;border-bottom:1px solid;\"><b>Fair value based on quoted prices in an active market </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;border-bottom:1px solid;\"><b>Fair value based on observable market data </b></th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 headrow\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;border-bottom:1px solid;\"><b>Fair value not based on observable market data </b></th><th class=\"startCol-5 endCol-5 valign-top headrow\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-6 endCol-6 valign-top headrow\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th></tr>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;\"><b>31 December 2022 </b></th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Level 1 </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Level 2 </b></th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Level 3 </b></th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Total fair value </b></th><th class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Total carrying value </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Financial assets </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Other financial assets </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">27 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">220 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">247 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">247 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total financial assets not measured at fair value </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>27 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>220 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>247 </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>247 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Financial liabilities </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Subordinated liabilities </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,950 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,950 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2,005 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Borrowings </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">123 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">62 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">185 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">188 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Due to banks </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2,189 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">75 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2,264 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2,264 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Other financial liabilities </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">9 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">46 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">55 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">55 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total financial liabilities not measured at fair value </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>2,198 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>2,194 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>62 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>4,454 </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>4,512 </b></td></tr></tbody></table> <br/>\n<p>The method of determining the fair value of the mortgage loans at amortised cost is the same to that of mortgage loans held at FVTPL. For information regarding the measurement of the fair value of the mortgage loans, see <a href=\"#n1285259\" title=\"Financial assets and liabilities measured at fair value\">chapter 7.7.1.1</a>. </p>\n<p>Amounts due to banks classified as level 1 primarily comprise the liability recognised for the cash collateral received. </p>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n1285306\"><span class=\"number\">7.7.1.3 </span><span class=\"title-text\">Property (including land and buildings for own use and plant) </span></h1>\n<h3 class=\"table-title\">Breakdown of the fair value of the investment property, land and buildings for own use and plant </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:auto;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/></colgroup><thead>\n<tr style=\"border:none;\"><th class=\"startCol-1 endCol-1 valign-top border-right-1 headrow\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;border-bottom:1px solid;\"><b>Fair value based on quoted prices in an active market </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;border-bottom:1px solid;\"><b>Fair value based on observable market data </b></th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 headrow\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;border-bottom:1px solid;\"><b>Fair value not based on observable market data </b></th><th class=\"startCol-5 endCol-5 valign-top headrow\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th></tr>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;\">31 December 2023 </th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Level 1 </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Level 2 </b></th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Level 3 </b></th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Total fair value </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Investment property </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">3,051 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">3,051 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Land and buildings for own use </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">168 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">168 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Plants </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">417 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">417 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>3,636 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>3,636 </b></td></tr></tbody></table> <br/>\n<h3 class=\"table-title\">Breakdown of the fair value of the investment property, land and buildings for own use and plant </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:auto;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/></colgroup><thead>\n<tr style=\"border:none;\"><th class=\"startCol-1 endCol-1 valign-top border-right-1 headrow\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;border-bottom:1px solid;\"><b>Fair value based on quoted prices in an active market </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;border-bottom:1px solid;\"><b>Fair value based on observable market data </b></th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 headrow\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;border-bottom:1px solid;\"><b>Fair value not based on observable market data </b></th><th class=\"startCol-5 endCol-5 valign-top headrow\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th></tr>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;\">31 December 2022 </th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Level 1 </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Level 2 </b></th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Level 3 </b></th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Total fair value </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Investment property </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">664 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">664 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Land and buildings for own use </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">115 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">115 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Plants </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">480 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">480 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>1,259 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>1,259 </b></td></tr></tbody></table> <br/>\n<p>The property portfolio are classified as a level 3 \u2018not measured on the basis of market observable market data\u2019. Non- observable market inputs are used in the valuation methods, in addition to the observable market inputs. The fair value measurement at reporting date is based on valuations by independent professional appraisers. These valuations have been performed annually, with quarterly updates, for the entire portfolio of investment property, buildings for own use and plant. Independent professional appraisers use reference transactions of comparable properties, in combination with the DCF and income capitalisation method, to determine the fair value of the property or plant. The reference transactions of comparable objects of the property portfolio are generally based on observable data consisting of the land register \u2018Kadaster\u2019 and the rural land price monitor as published by the Dutch Government \u2018Grondprijsmonitor\u2019 in an active property market. </p>\n<p>The property has a relatively fixed return. The property portfolio is well diversified and consists of residential, retail, offices and rural property, throughout the Netherlands. The retail portfolio focusses on high street locations with relative low vacancy rates. The following table shows a breakdown of the fair value and vacancy rates of the portfolio of investment property. </p>\n<h3 class=\"table-title\">Breakdown of investment property </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:0%;\"/><col style=\"width:17%;\"/><col style=\"width:17%;\"/><col style=\"width:14%;\"/><col style=\"width:14%;\"/></colgroup><thead>\n<tr style=\"border:none;\"><th class=\"startCol-1 endCol-1 valign-top headrow\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 colspan-2 headrow\" colspan=\"2\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;border-bottom:1px solid;\">Fair value </th><th class=\"startCol-4 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 colspan-2 headrow\" colspan=\"2\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;border-bottom:1px solid;\">Vacancy rate </th></tr>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">31 December 2023 </th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">31 December 2022 </th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">2023 </th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">2022 </th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Retail </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">155 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">159 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">3.9% </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">3.1% </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-right-1\" style=\"text-align:left;vertical-align:bottom;\">Residential </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-left-1 border-right-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,347 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:bottom;\">1 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-left-1 border-right-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1.7% </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-left-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-right-1\" style=\"text-align:left;vertical-align:bottom;\">Rural </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-left-1 border-right-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">207 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:bottom;\">202 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-left-1 border-right-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-left-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-right-1\" style=\"text-align:left;vertical-align:bottom;\">Offices </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-left-1 border-right-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">287 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:bottom;\">290 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-left-1 border-right-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">10.4% </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-left-1\" style=\"text-align:right;vertical-align:bottom;\">8.4% </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-right-1\" style=\"text-align:left;vertical-align:bottom;\">Property under development </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-left-1 border-right-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">43 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-left-1 border-right-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">100.0% </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-left-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-right-1\" style=\"text-align:left;vertical-align:bottom;\">Parking </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">13 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1\" style=\"text-align:right;vertical-align:bottom;\">13 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>3,051 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>664 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>3.9% </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>3.5% </b></td></tr></tbody></table> <br/>\n<p>The movements in plant and investment property measured at fair value (recurring basis) that are categorised within level 3 are presented in <a href=\"#n1289289\" title=\"Property, plant and equipment\">chapter 7.5.2</a> and <a href=\"#n1289316\" title=\"Investment property\">chapter 7.5.3</a>. </p>\n<p>Significant inputs to the Level 3 values of investment property are the net initial yield and market rental value. These inputs are verified with the following market observable data: </p><ul><li>\n<p>Market rent per square meter for renewals and their respective re-letting rates; </p></li><li>\n<p>Reviewed rent per square meter; </p></li><li>\n<p>Investment transaction of comparable objects; </p></li><li>\n<p>The 10 year Dutch Government Bond Yield (%) rate as published by the DNB. </p></li></ul>\n<p>The significant unobservable and observable inputs to the Level 3 values of plant are the energy prices and market interest rates. An increase (decrease) of the discount rate will lead to a lower (higher) fair value measurement </p>\n<p>The table below discloses the sensitivities to non-observable market inputs for the property portfolio (excluding property under development, parking and plant). </p>\n<h3 class=\"table-title\">Unobservable and observable inputs used in determination of fair value </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:0%;\"/><col style=\"width:7%;\"/><col style=\"width:8%;\"/><col style=\"width:6%;\"/><col style=\"width:12%;\"/><col style=\"width:6%;\"/><col style=\"width:7%;\"/><col style=\"width:7%;\"/><col style=\"width:5.5%;\"/><col style=\"width:5.5%;\"/><col style=\"width:5.5%;\"/></colgroup><thead>\n<tr style=\"border:none;\"><th class=\"startCol-1 endCol-8 valign-bottom align-left border-right-1 colspan-8 headrow\" colspan=\"8\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;border-bottom:1px solid;\"><b>31 December 2023 </b></th><th class=\"startCol-9 endCol-11 valign-bottom align-right border-left-1 border-right-1 colspan-3 headrow\" colspan=\"3\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;border-bottom:1px solid;\">Change in theoretical rental value </th></tr>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Fair value </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Valuation technique </b></th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Gross </b></th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b> <br/>Gross theoretical rental value (\u20ac) </b></th><th class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Gross </b></th><th class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Gross yield (%) </b></th><th class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Change in yield </b></th><th class=\"startCol-9 endCol-9 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>-5% </b></th><th class=\"startCol-10 endCol-10 valign-bottom align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>0% </b></th><th class=\"startCol-11 endCol-11 valign-bottom align-right border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>5% </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\"><b>Investment property - Fair value model </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-8 endCol-8 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-9 endCol-9 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-10 endCol-10 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-11 endCol-11 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">Retail </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">155 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">DCF </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">total </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">11,834,440 </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">mean </td><td class=\"startCol-7 endCol-7 valign-middle align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">7.6% </td><td class=\"startCol-8 endCol-8 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">-5% </td><td class=\"startCol-9 endCol-9 valign-middle align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-10 endCol-10 valign-middle align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">8 </td><td class=\"startCol-11 endCol-11 valign-middle align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">16 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-middle align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">max </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">1,775,241 </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">max </td><td class=\"startCol-7 endCol-7 valign-middle align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">10.4% </td><td class=\"startCol-8 endCol-8 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">0% </td><td class=\"startCol-9 endCol-9 valign-middle align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">-8 </td><td class=\"startCol-10 endCol-10 valign-middle align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-11 endCol-11 valign-middle align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">8 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-middle align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">min </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">9,149 </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">min </td><td class=\"startCol-7 endCol-7 valign-middle align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">3.6% </td><td class=\"startCol-8 endCol-8 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">5% </td><td class=\"startCol-9 endCol-9 valign-middle align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">-15 </td><td class=\"startCol-10 endCol-10 valign-middle align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">-7 </td><td class=\"startCol-11 endCol-11 valign-middle align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">Residential </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">2,347 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">DCF </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">total </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">107,232,363 </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">mean </td><td class=\"startCol-7 endCol-7 valign-middle align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">4.6% </td><td class=\"startCol-8 endCol-8 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">-5% </td><td class=\"startCol-9 endCol-9 valign-middle align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-10 endCol-10 valign-middle align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">124 </td><td class=\"startCol-11 endCol-11 valign-middle align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">247 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-middle align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">max </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">5,277,404 </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">max </td><td class=\"startCol-7 endCol-7 valign-middle align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">25.9% </td><td class=\"startCol-8 endCol-8 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">0% </td><td class=\"startCol-9 endCol-9 valign-middle align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">-117 </td><td class=\"startCol-10 endCol-10 valign-middle align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-11 endCol-11 valign-middle align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">117 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-middle align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">min </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">4,807 </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">min </td><td class=\"startCol-7 endCol-7 valign-middle align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">2.6% </td><td class=\"startCol-8 endCol-8 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">5% </td><td class=\"startCol-9 endCol-9 valign-middle align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">-223 </td><td class=\"startCol-10 endCol-10 valign-middle align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">-112 </td><td class=\"startCol-11 endCol-11 valign-middle align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">Rural </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">207 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">DCF </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">total </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">5,675,431 </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">mean </td><td class=\"startCol-7 endCol-7 valign-middle align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">2.7% </td><td class=\"startCol-8 endCol-8 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">-5% </td><td class=\"startCol-9 endCol-9 valign-middle align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-10 endCol-10 valign-middle align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">11 </td><td class=\"startCol-11 endCol-11 valign-middle align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">22 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-middle align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">max </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">733,743 </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">max </td><td class=\"startCol-7 endCol-7 valign-middle align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">7.1% </td><td class=\"startCol-8 endCol-8 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">0% </td><td class=\"startCol-9 endCol-9 valign-middle align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">-10 </td><td class=\"startCol-10 endCol-10 valign-middle align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-11 endCol-11 valign-middle align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">10 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-middle align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">min </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">3,578 </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">min </td><td class=\"startCol-7 endCol-7 valign-middle align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">0.5% </td><td class=\"startCol-8 endCol-8 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">5% </td><td class=\"startCol-9 endCol-9 valign-middle align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">-20 </td><td class=\"startCol-10 endCol-10 valign-middle align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">-10 </td><td class=\"startCol-11 endCol-11 valign-middle align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">Offices </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">287 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">DCF </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">total </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">19,006,243 </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">mean </td><td class=\"startCol-7 endCol-7 valign-middle align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">6.6% </td><td class=\"startCol-8 endCol-8 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">-5% </td><td class=\"startCol-9 endCol-9 valign-middle align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-10 endCol-10 valign-middle align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">15 </td><td class=\"startCol-11 endCol-11 valign-middle align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">30 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-middle align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">max </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">6,246,961 </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">max </td><td class=\"startCol-7 endCol-7 valign-middle align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">9.6% </td><td class=\"startCol-8 endCol-8 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">0% </td><td class=\"startCol-9 endCol-9 valign-middle align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">-14 </td><td class=\"startCol-10 endCol-10 valign-middle align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-11 endCol-11 valign-middle align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">14 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-middle align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">min </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">58,024 </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">min </td><td class=\"startCol-7 endCol-7 valign-middle align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">3.9% </td><td class=\"startCol-8 endCol-8 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">5% </td><td class=\"startCol-9 endCol-9 valign-middle align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">-27 </td><td class=\"startCol-10 endCol-10 valign-middle align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">-14 </td><td class=\"startCol-11 endCol-11 valign-middle align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">Property under development </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">42 </td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-8 endCol-8 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-9 endCol-9 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-10 endCol-10 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-11 endCol-11 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-8 endCol-8 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-9 endCol-9 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-10 endCol-10 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-11 endCol-11 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">Parking </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">13 </td><td class=\"startCol-3 endCol-3 valign-top border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-8 endCol-8 valign-top border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-9 endCol-9 valign-top border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-10 endCol-10 valign-top border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-11 endCol-11 valign-top border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-8 endCol-8 valign-top border-left-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-9 endCol-9 valign-top border-left-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-10 endCol-10 valign-top format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-11 endCol-11 valign-top format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-left-1 border-right-1\" style=\"text-align:left;vertical-align:middle;\"><b>Land and buildings for own use </b></td><td class=\"startCol-2 endCol-2 valign-middle align-right border-left-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\"><b>167 </b></td><td class=\"startCol-3 endCol-3 valign-middle align-right format-highlight\" style=\"text-align:right;vertical-align:middle;\">DCF </td><td class=\"startCol-4 endCol-4 valign-middle align-right format-highlight\" style=\"text-align:right;vertical-align:middle;\">total </td><td class=\"startCol-5 endCol-5 valign-middle align-right format-highlight\" style=\"text-align:right;vertical-align:middle;\">14,446,774 </td><td class=\"startCol-6 endCol-6 valign-middle align-right format-highlight\" style=\"text-align:right;vertical-align:middle;\">mean </td><td class=\"startCol-7 endCol-7 valign-middle align-right border-right-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">8.9% </td><td class=\"startCol-8 endCol-8 valign-middle align-right border-left-1 border-right-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">-5% </td><td class=\"startCol-9 endCol-9 valign-middle align-right border-left-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-10 endCol-10 valign-middle align-right format-highlight\" style=\"text-align:right;vertical-align:middle;\">9 </td><td class=\"startCol-11 endCol-11 valign-middle align-right format-highlight\" style=\"text-align:right;vertical-align:middle;\">17 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-middle align-right border-bottom-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">max </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-bottom-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">8,645,359 </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-bottom-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">max </td><td class=\"startCol-7 endCol-7 valign-middle align-right border-bottom-1 border-right-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">17.4% </td><td class=\"startCol-8 endCol-8 valign-middle align-right border-bottom-1 border-left-1 border-right-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">0% </td><td class=\"startCol-9 endCol-9 valign-middle align-right border-bottom-1 border-left-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">-8 </td><td class=\"startCol-10 endCol-10 valign-middle align-right border-bottom-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-11 endCol-11 valign-middle align-right border-bottom-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">8 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-middle align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">min </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">1,542,905 </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">min </td><td class=\"startCol-7 endCol-7 valign-middle align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">6.9% </td><td class=\"startCol-8 endCol-8 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">5% </td><td class=\"startCol-9 endCol-9 valign-middle align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">-15 </td><td class=\"startCol-10 endCol-10 valign-middle align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">-8 </td><td class=\"startCol-11 endCol-11 valign-middle align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-8 endCol-8 valign-top border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-9 endCol-9 valign-top border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-10 endCol-10 valign-top border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-11 endCol-11 valign-top border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:middle;\"><b>Plant </b></td><td class=\"startCol-2 endCol-2 valign-middle align-right border-left-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\"><b>417 </b></td><td class=\"startCol-3 endCol-3 valign-top format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-8 endCol-8 valign-top border-left-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-9 endCol-9 valign-top border-left-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-10 endCol-10 valign-top format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-11 endCol-11 valign-top format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-8 endCol-8 valign-top border-bottom-1 border-left-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-9 endCol-9 valign-top border-bottom-1 border-left-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-10 endCol-10 valign-top border-bottom-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-11 endCol-11 valign-top border-bottom-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>3,636 </b></td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-8 endCol-8 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-9 endCol-9 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-10 endCol-10 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-11 endCol-11 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr></tbody></table><br/>\n<h3 class=\"table-title\">Unobservable and observable inputs used in determination of fair value </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:0%;\"/><col style=\"width:7%;\"/><col style=\"width:8%;\"/><col style=\"width:6%;\"/><col style=\"width:12%;\"/><col style=\"width:6%;\"/><col style=\"width:7%;\"/><col style=\"width:7%;\"/><col style=\"width:5.5%;\"/><col style=\"width:5.5%;\"/><col style=\"width:5.5%;\"/></colgroup><thead>\n<tr style=\"border:none;\"><th class=\"startCol-1 endCol-8 valign-bottom align-left border-right-1 colspan-8 headrow\" colspan=\"8\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;border-bottom:1px solid;\"><b>31 December 2022 </b></th><th class=\"startCol-9 endCol-11 valign-bottom align-right border-left-1 border-right-1 colspan-3 headrow\" colspan=\"3\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;border-bottom:1px solid;\">Change in theoretical rental value </th></tr>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Fair value </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Valuation technique </b></th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Gross </b></th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b> <br/>Gross theoretical rental value (\u20ac) </b></th><th class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Gross </b></th><th class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Gross yield (%) </b></th><th class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Change in yield </b></th><th class=\"startCol-9 endCol-9 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>-5% </b></th><th class=\"startCol-10 endCol-10 valign-bottom align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>0% </b></th><th class=\"startCol-11 endCol-11 valign-bottom align-right border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>5% </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\"><b>Investment property - Fair value model </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-8 endCol-8 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-9 endCol-9 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-10 endCol-10 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-11 endCol-11 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">Retail </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">159 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">DCF </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">total </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">11,340,229 </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">mean </td><td class=\"startCol-7 endCol-7 valign-middle align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">7.1% </td><td class=\"startCol-8 endCol-8 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">-5% </td><td class=\"startCol-9 endCol-9 valign-middle align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-10 endCol-10 valign-middle align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">8 </td><td class=\"startCol-11 endCol-11 valign-middle align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">17 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-middle align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">max </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">1,641,470 </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">max </td><td class=\"startCol-7 endCol-7 valign-middle align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">9.6% </td><td class=\"startCol-8 endCol-8 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">0% </td><td class=\"startCol-9 endCol-9 valign-middle align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">-8 </td><td class=\"startCol-10 endCol-10 valign-middle align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-11 endCol-11 valign-middle align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">8 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-middle align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">min </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">14,940 </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">min </td><td class=\"startCol-7 endCol-7 valign-middle align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">3.7% </td><td class=\"startCol-8 endCol-8 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">5% </td><td class=\"startCol-9 endCol-9 valign-middle align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">-15 </td><td class=\"startCol-10 endCol-10 valign-middle align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">-8 </td><td class=\"startCol-11 endCol-11 valign-middle align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">Residential </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">1 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">DCF </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">total </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">76,600 </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">mean </td><td class=\"startCol-7 endCol-7 valign-middle align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">7.9% </td><td class=\"startCol-8 endCol-8 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">-5% </td><td class=\"startCol-9 endCol-9 valign-middle align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-10 endCol-10 valign-middle align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-11 endCol-11 valign-middle align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-middle align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">max </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">76,600 </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">max </td><td class=\"startCol-7 endCol-7 valign-middle align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">7.9% </td><td class=\"startCol-8 endCol-8 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">0% </td><td class=\"startCol-9 endCol-9 valign-middle align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-10 endCol-10 valign-middle align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-11 endCol-11 valign-middle align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-middle align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">min </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">76,600 </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">min </td><td class=\"startCol-7 endCol-7 valign-middle align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">7.9% </td><td class=\"startCol-8 endCol-8 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">5% </td><td class=\"startCol-9 endCol-9 valign-middle align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-10 endCol-10 valign-middle align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-11 endCol-11 valign-middle align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">Rural </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">202 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">DCF </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">total </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">4,754,747 </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">mean </td><td class=\"startCol-7 endCol-7 valign-middle align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">2.4% </td><td class=\"startCol-8 endCol-8 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">-5% </td><td class=\"startCol-9 endCol-9 valign-middle align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-10 endCol-10 valign-middle align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">11 </td><td class=\"startCol-11 endCol-11 valign-middle align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">21 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-middle align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">max </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">1,776,687 </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">max </td><td class=\"startCol-7 endCol-7 valign-middle align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">3.8% </td><td class=\"startCol-8 endCol-8 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">0% </td><td class=\"startCol-9 endCol-9 valign-middle align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">-10 </td><td class=\"startCol-10 endCol-10 valign-middle align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-11 endCol-11 valign-middle align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">10 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-middle align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">min </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">500 </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">min </td><td class=\"startCol-7 endCol-7 valign-middle align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">0.5% </td><td class=\"startCol-8 endCol-8 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">5% </td><td class=\"startCol-9 endCol-9 valign-middle align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">-19 </td><td class=\"startCol-10 endCol-10 valign-middle align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">-10 </td><td class=\"startCol-11 endCol-11 valign-middle align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">Offices </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">290 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">DCF </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">total </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">19,406,800 </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">mean </td><td class=\"startCol-7 endCol-7 valign-middle align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">6.7% </td><td class=\"startCol-8 endCol-8 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">-5% </td><td class=\"startCol-9 endCol-9 valign-middle align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-10 endCol-10 valign-middle align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">15 </td><td class=\"startCol-11 endCol-11 valign-middle align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">30 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-middle align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">max </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">5,280,212 </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">max </td><td class=\"startCol-7 endCol-7 valign-middle align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">9.8% </td><td class=\"startCol-8 endCol-8 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">0% </td><td class=\"startCol-9 endCol-9 valign-middle align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">-14 </td><td class=\"startCol-10 endCol-10 valign-middle align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-11 endCol-11 valign-middle align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">14 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-middle align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">min </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">52,513 </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">min </td><td class=\"startCol-7 endCol-7 valign-middle align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">4.4% </td><td class=\"startCol-8 endCol-8 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">5% </td><td class=\"startCol-9 endCol-9 valign-middle align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">-28 </td><td class=\"startCol-10 endCol-10 valign-middle align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">-14 </td><td class=\"startCol-11 endCol-11 valign-middle align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">Property under development </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-8 endCol-8 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-9 endCol-9 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-10 endCol-10 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-11 endCol-11 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-8 endCol-8 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-9 endCol-9 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-10 endCol-10 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-11 endCol-11 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">Parking </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">13 </td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-8 endCol-8 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-9 endCol-9 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-10 endCol-10 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-11 endCol-11 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-8 endCol-8 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-9 endCol-9 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-10 endCol-10 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-11 endCol-11 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-left-1 border-right-1\" style=\"text-align:left;vertical-align:middle;\"><b>Land and buildings for own use </b></td><td class=\"startCol-2 endCol-2 valign-middle align-right border-left-1\" style=\"text-align:right;vertical-align:middle;\"><b>115 </b></td><td class=\"startCol-3 endCol-3 valign-middle align-right\" style=\"text-align:right;vertical-align:middle;\">DCF </td><td class=\"startCol-4 endCol-4 valign-middle align-right\" style=\"text-align:right;vertical-align:middle;\">total </td><td class=\"startCol-5 endCol-5 valign-middle align-right\" style=\"text-align:right;vertical-align:middle;\">8,273,071 </td><td class=\"startCol-6 endCol-6 valign-middle align-right\" style=\"text-align:right;vertical-align:middle;\">mean </td><td class=\"startCol-7 endCol-7 valign-middle align-right border-right-1\" style=\"text-align:right;vertical-align:middle;\">7.5% </td><td class=\"startCol-8 endCol-8 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">-5% </td><td class=\"startCol-9 endCol-9 valign-middle align-right border-left-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-10 endCol-10 valign-middle align-right\" style=\"text-align:right;vertical-align:middle;\">6 </td><td class=\"startCol-11 endCol-11 valign-middle align-right\" style=\"text-align:right;vertical-align:middle;\">12 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-middle align-right border-bottom-1\" style=\"text-align:right;vertical-align:middle;\">max </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-bottom-1\" style=\"text-align:right;vertical-align:middle;\">8,273,071 </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-bottom-1\" style=\"text-align:right;vertical-align:middle;\">max </td><td class=\"startCol-7 endCol-7 valign-middle align-right border-bottom-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">7.5% </td><td class=\"startCol-8 endCol-8 valign-middle align-right border-bottom-1 border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">0% </td><td class=\"startCol-9 endCol-9 valign-middle align-right border-bottom-1 border-left-1\" style=\"text-align:right;vertical-align:middle;\">-5 </td><td class=\"startCol-10 endCol-10 valign-middle align-right border-bottom-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-11 endCol-11 valign-middle align-right border-bottom-1\" style=\"text-align:right;vertical-align:middle;\">5 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-middle align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">min </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">8,273,071 </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">min </td><td class=\"startCol-7 endCol-7 valign-middle align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">7.5% </td><td class=\"startCol-8 endCol-8 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">5% </td><td class=\"startCol-9 endCol-9 valign-middle align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">-10 </td><td class=\"startCol-10 endCol-10 valign-middle align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">-5 </td><td class=\"startCol-11 endCol-11 valign-middle align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-8 endCol-8 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-9 endCol-9 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-10 endCol-10 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-11 endCol-11 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:middle;\"><b>Plant </b></td><td class=\"startCol-2 endCol-2 valign-middle align-right\" style=\"text-align:right;vertical-align:middle;\"><b>480 </b></td><td class=\"startCol-3 endCol-3 valign-top\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-8 endCol-8 valign-top border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-9 endCol-9 valign-top border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-10 endCol-10 valign-top\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-11 endCol-11 valign-top\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-8 endCol-8 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-9 endCol-9 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-10 endCol-10 valign-top border-bottom-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-11 endCol-11 valign-top border-bottom-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>1,259 </b></td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-8 endCol-8 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-9 endCol-9 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-10 endCol-10 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-11 endCol-11 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr></tbody></table><br/>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfFairValueOfFinancialInstrumentsExplanatory",
    "language": "en",
    "entity": "scheme:7245000G0HS48PZWUD53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "ixv-775": {
   "value": "\n<h1 class=\"S_PARAGRAPH\" id=\"n1285352\"><span class=\"number\">7.7.3 </span><span class=\"title-text\">Related party transactions </span></h1>\n<p>A related party is a person or entity that has significant influence over another entity, or has the ability to affect the financial and operating policies of the other party. Parties related to a.s.r. include associates, joint ventures, key management personnel, close family members of any person referred to above, entities controlled or significantly influenced by any person referred to above and any other affiliated entity. </p>\n<p>The group regularly enters into transactions with related parties during the conduct of its business. These transactions mainly involve loans, deposits and commissions, and are conducted on terms equivalent to those that prevail in arm\u2019s length transactions. </p>\n<p>The remuneration of the key personnel is disclosed in <a href=\"#n1285376\" title=\"Key management personnel remuneration\">chapter 7.7.4</a>. </p>\n<p>The DB obligation of Aegon NL classifies as multiple-employer contract. For more information, see <a href=\"#n1289077\" title=\"Post-employment benefits pensions\">chapter 7.5.15.1</a>. </p>\n<div class=\"header header-1\">Positions and transactions between a.s.r., associates, joint ventures and other related parties </div>\n<p>The table below shows the financial scope of a.s.r.\u2019s related party transactions: </p><ul><li>\n<p>Associates; </p></li><li>\n<p>Joint ventures. </p></li></ul>\n<h3 class=\"table-title\">Financial scope of a.s.r.\u2019s related party transactions current year </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:0%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">Associates </th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">Joint ventures </th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">Total </th></tr></thead><tbody>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>2023 </b></td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Balance sheet items with related parties as at 31 December </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Loans and receivables </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">41 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">4 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">45 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Other liabilities </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">140 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">140 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Transactions in the income statement for the financial year </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Fee income </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">75 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">75 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Operating and other expenses </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1 </td></tr></tbody></table> <br/>\n<h3 class=\"table-title\">Financial scope of a.s.r.\u2019s related party transactions prior year </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:0%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">Associates </th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">Joint ventures </th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">Total </th></tr></thead><tbody>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>2022 </b></td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Balance sheet items with related parties as at 31 December </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Loans and receivables </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">37 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">8 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">45 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Other liabilities </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">176 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">176 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Transactions in the income statement for the financial year </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Fee income </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">74 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">74 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Operating and other expenses </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1 </td></tr></tbody></table> <br/>\n<p>No provisions for impairments have been recognised on the loans and receivables for the years 2023 and 2022. </p>\n<p>At 4 July 2023 the Management Board (MB) was introduced and replaced the Business Executive Committee (BEC). The three members of the Executive Board (EB) are also members of the MB. The members of the MB have mortgage loans with a.s.r. amounting to \u20ac\u00a02,413 thousand (2022: \u20ac\u00a0435 thousand including BEC). The mortgages have been issued subject to normal employee conditions. The employee conditions include limits and thresholds to the amounts that qualify for a personnel interest-rate discount. For mortgage loans higher than \u20ac\u00a0340 thousand arm\u2019s length condition apply. The average interest on the mortgage loans for MB-members is 2.45% (2022: 2.6%). In 2023, the mortgage loans of MB-members were settled for an amount of \u20ac\u00a089 thousand (2022: \u20ac\u00a061 thousand). The Supervisory Board (SB) has no mortgage loans. </p>\n<p>In 2023, a.s.r. paid \u20ac\u00a068 million dividend to Aegon Ltd. and a.s.r. issued a group loan of \u20ac\u00a0285 million to Knab. </p>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForTransactionsWithRelatedPartiesExplanatory",
    "language": "en",
    "entity": "scheme:7245000G0HS48PZWUD53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "ixv-776": {
   "value": "\n<h1 class=\"S_PARAGRAPH\" id=\"n1285352\"><span class=\"number\">7.7.3 </span><span class=\"title-text\">Related party transactions </span></h1>\n<p>A related party is a person or entity that has significant influence over another entity, or has the ability to affect the financial and operating policies of the other party. Parties related to a.s.r. include associates, joint ventures, key management personnel, close family members of any person referred to above, entities controlled or significantly influenced by any person referred to above and any other affiliated entity. </p>\n<p>The group regularly enters into transactions with related parties during the conduct of its business. These transactions mainly involve loans, deposits and commissions, and are conducted on terms equivalent to those that prevail in arm\u2019s length transactions. </p>\n<p>The remuneration of the key personnel is disclosed in <a href=\"#n1285376\" title=\"Key management personnel remuneration\">chapter 7.7.4</a>. </p>\n<p>The DB obligation of Aegon NL classifies as multiple-employer contract. For more information, see <a href=\"#n1289077\" title=\"Post-employment benefits pensions\">chapter 7.5.15.1</a>. </p>\n<div class=\"header header-1\">Positions and transactions between a.s.r., associates, joint ventures and other related parties </div>\n<p>The table below shows the financial scope of a.s.r.\u2019s related party transactions: </p><ul><li>\n<p>Associates; </p></li><li>\n<p>Joint ventures. </p></li></ul>\n<h3 class=\"table-title\">Financial scope of a.s.r.\u2019s related party transactions current year </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:0%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">Associates </th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">Joint ventures </th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">Total </th></tr></thead><tbody>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>2023 </b></td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Balance sheet items with related parties as at 31 December </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Loans and receivables </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">41 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">4 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">45 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Other liabilities </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">140 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">140 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Transactions in the income statement for the financial year </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Fee income </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">75 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">75 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Operating and other expenses </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1 </td></tr></tbody></table> <br/>\n<h3 class=\"table-title\">Financial scope of a.s.r.\u2019s related party transactions prior year </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:0%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">Associates </th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">Joint ventures </th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">Total </th></tr></thead><tbody>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>2022 </b></td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Balance sheet items with related parties as at 31 December </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Loans and receivables </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">37 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">8 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">45 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Other liabilities </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">176 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">176 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Transactions in the income statement for the financial year </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Fee income </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">74 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">74 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Operating and other expenses </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1 </td></tr></tbody></table> <br/>\n<p>No provisions for impairments have been recognised on the loans and receivables for the years 2023 and 2022. </p>\n<p>At 4 July 2023 the Management Board (MB) was introduced and replaced the Business Executive Committee (BEC). The three members of the Executive Board (EB) are also members of the MB. The members of the MB have mortgage loans with a.s.r. amounting to \u20ac\u00a02,413 thousand (2022: \u20ac\u00a0435 thousand including BEC). The mortgages have been issued subject to normal employee conditions. The employee conditions include limits and thresholds to the amounts that qualify for a personnel interest-rate discount. For mortgage loans higher than \u20ac\u00a0340 thousand arm\u2019s length condition apply. The average interest on the mortgage loans for MB-members is 2.45% (2022: 2.6%). In 2023, the mortgage loans of MB-members were settled for an amount of \u20ac\u00a089 thousand (2022: \u20ac\u00a061 thousand). The Supervisory Board (SB) has no mortgage loans. </p>\n<p>In 2023, a.s.r. paid \u20ac\u00a068 million dividend to Aegon Ltd. and a.s.r. issued a group loan of \u20ac\u00a0285 million to Knab. </p>\n<h1 class=\"S_PARAGRAPH\" id=\"n1285376\"><span class=\"number\">7.7.4 </span><span class=\"title-text\">Key management personnel remuneration </span></h1>\n<p>Transactions with key management personnel (EB, BEC members, MB members and SB) are transactions with related parties. Additional information on the remuneration of members of the EB and SB is disclosed in the remuneration report; see chapter <a href=\"#n1290148\" title=\"Remuneration report\">5.3</a>. </p>\n<h3 class=\"table-title\">Annual remuneration key management personnel </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:18%;\"/><col style=\"width:8%;\"/><col style=\"width:8%;\"/><col style=\"width:8%;\"/><col style=\"width:8%;\"/><col style=\"width:8%;\"/><col style=\"width:8%;\"/><col style=\"width:8%;\"/><col style=\"width:8%;\"/><col style=\"width:9%;\"/><col style=\"width:9%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;\">Amounts in \u20ac\u00a0thousands </th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">Executive board </th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">MB members<sup class=\"footnote cShowTooltip\" title=\"J.F. Sappelli was appointed as CHRO and Member of the MB of a.s.r. on 4 July 2023. R.E. Dekker was appointed as CRO and Member of the MB of a.s.r. on 4 July 2023. W. van den Berg was appointed as COO Life and Member of the MB of a.s.r. on 4 July 2023. The remuneration figures for 2023 reflect a partial year.\">1 </sup></th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">BEC members<sup class=\"footnote cShowTooltip\" title=\"One director left the BEC in 2023. Four directors joined the BEC and three directors left the BEC in 2022.The remuneration figures reflect a partial year as a member of the BEC.\">2 </sup></th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">SB<sup class=\"footnote cShowTooltip\" title=\"D. Jansen Heijtmajer was appointed as a Member of the SB of a.s.r. and as Member of the N&amp;ESG Committee of the SB of a.s.r. on 4 July 2023. E. Friese was appointed as a Member of the SB of a.s.r. and as Member of the A&amp;RC Committee of the SB of a.s.r. on 4 July 2023. The remuneration figures reflect a partial year as member of the SB.\">3 </sup></th><th class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Total 2023 </b></th><th class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">Executive board </th><th class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">MB members </th><th class=\"startCol-9 endCol-9 valign-bottom align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">BEC members </th><th class=\"startCol-10 endCol-10 valign-bottom align-right border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">SB </th><th class=\"startCol-11 endCol-11 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Total 2022 </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Fixed compensation </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-8 endCol-8 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-9 endCol-9 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-10 endCol-10 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-11 endCol-11 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Base salary in cash </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,635 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">717 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1,510 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">283 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">5,145 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2,388 </td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-9 endCol-9 valign-bottom align-right border-top-1\" style=\"text-align:right;vertical-align:bottom;\">3,080 </td><td class=\"startCol-10 endCol-10 valign-bottom align-right border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">190 </td><td class=\"startCol-11 endCol-11 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">5,658 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Base salary in shares </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-left-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">323 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right format-highlight\" style=\"text-align:right;vertical-align:bottom;\">66 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-right-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">389 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-left-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-8 endCol-8 valign-bottom align-right zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-9 endCol-9 valign-bottom align-right zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-10 endCol-10 valign-bottom align-right border-right-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-11 endCol-11 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Fees </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-left-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-right-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">100 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">100 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-left-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-8 endCol-8 valign-bottom align-right zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-9 endCol-9 valign-bottom align-right zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-10 endCol-10 valign-bottom align-right border-right-1\" style=\"text-align:right;vertical-align:bottom;\">88 </td><td class=\"startCol-11 endCol-11 valign-bottom align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">88 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Fringe benefits<sup class=\"footnote cShowTooltip\" title=\"Variations arise as a result of the fiscal treatment of lease vehicles depending on the price and private use of the car, personal allowance and social security.\">4 </sup></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-left-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">63 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right format-highlight\" style=\"text-align:right;vertical-align:bottom;\">36 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right format-highlight\" style=\"text-align:right;vertical-align:bottom;\">109 </td><td class=\"startCol-5 endCol-5 valign-top border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-left-1 border-right-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">208 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-left-1\" style=\"text-align:right;vertical-align:bottom;\">55 </td><td class=\"startCol-8 endCol-8 valign-bottom align-right zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-9 endCol-9 valign-bottom align-right\" style=\"text-align:right;vertical-align:bottom;\">177 </td><td class=\"startCol-10 endCol-10 valign-bottom align-right border-right-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-11 endCol-11 valign-bottom align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:bottom;\">232 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Other </b></td><td class=\"startCol-2 endCol-2 valign-top border-left-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-8 endCol-8 valign-top\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-9 endCol-9 valign-top\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-10 endCol-10 valign-top border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-11 endCol-11 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Pension expense<sup class=\"footnote cShowTooltip\" title=\"The annual pension expenditure is based on a premium table. Further changes in the cost of pension benefits are mainly due to the impact of age. The pension costs include DC pensions based on maximum pensionable salary cap, compensation for the maximum pensionable salary cap (to be used for pensions at the employees\u2019 discretion), and VPL. The amount presented is excluding amounts related to the indexation of the defined benefit plan, as they are not expenses in the current year.\">5 </sup></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-left-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">525 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right format-highlight\" style=\"text-align:right;vertical-align:bottom;\">120 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right format-highlight\" style=\"text-align:right;vertical-align:bottom;\">330 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-right-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">976 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-left-1\" style=\"text-align:right;vertical-align:bottom;\">489 </td><td class=\"startCol-8 endCol-8 valign-bottom align-right zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-9 endCol-9 valign-bottom align-right\" style=\"text-align:right;vertical-align:bottom;\">677 </td><td class=\"startCol-10 endCol-10 valign-bottom align-right border-right-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-11 endCol-11 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,165 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-8 endCol-8 valign-top border-bottom-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-9 endCol-9 valign-top border-bottom-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-10 endCol-10 valign-top border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-11 endCol-11 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total remuneration </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>3,547 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>940 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>1,949 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>382 </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>6,818 </b></td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>2,932 </b></td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-9 endCol-9 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>3,933 </b></td><td class=\"startCol-10 endCol-10 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>278 </b></td><td class=\"startCol-11 endCol-11 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>7,143 </b></td></tr></tbody></table><ol class=\"footnotes width-50\"><li> J.F. Sappelli was appointed as CHRO and Member of the MB of a.s.r. on 4 July 2023. R.E. Dekker was appointed as CRO and Member of the MB of a.s.r. on 4 July 2023. W. van den Berg was appointed as COO Life and Member of the MB of a.s.r. on 4 July 2023. The remuneration figures for 2023 reflect a partial year. </li><li> One director left the BEC in 2023. Four directors joined the BEC and three directors left the BEC in 2022.The remuneration figures reflect a partial year as a member of the BEC. </li><li> D. Jansen Heijtmajer was appointed as a Member of the SB of a.s.r. and as Member of the N&amp;ESG Committee of the SB of a.s.r. on 4 July 2023. E. Friese was appointed as a Member of the SB of a.s.r. and as Member of the A&amp;RC Committee of the SB of a.s.r. on 4 July 2023. The remuneration figures reflect a partial year as member of the SB. </li><li> Variations arise as a result of the fiscal treatment of lease vehicles depending on the price and private use of the car, personal allowance and social security. </li><li> The annual pension expenditure is based on a premium table. Further changes in the cost of pension benefits are mainly due to the impact of age. The pension costs include DC pensions based on maximum pensionable salary cap, compensation for the maximum pensionable salary cap (to be used for pensions at the employees\u2019 discretion), and VPL. The amount presented is excluding amounts related to the indexation of the defined benefit plan, as they are not expenses in the current year. </li></ol> <br/>\n<p>In the table above, \u2018Executive Board\u2019 refers to the three members of the EB as at 31 December 2023. The three members of the EB were also members of the BEC, until 3 July 2023. At 4 July 2023 the Management Board (MB) was introduced and replaced the BEC. The three members of the EB are also members of the MB. </p>\n<p>In the table above, \u2018BEC\u2019 refers to the eight (2022: nine) members of the BEC, i.e. those members that are not also member of the EB in the table above. The remuneration figures for 2023 reflects a partial year. 'MB' refers to the three members of the MB, i.e. those members that are not also member of the EB in the table above. The remuneration figures for 2023 reflects a partial year. </p>\n<p>In 2023, a.s.r. has introduced the revised remuneration policy for EB and MB members. The revised remuneration policy is an add-on to the existing policy to acquire a.s.r. shares under the ESPP, resulting from the transaction with Aegon NL. </p>\n<p>The number of shares that are allocated (granted) to MB members is 1,035 shares. The shares are purchased by the MB at a discount of 18.5%. The average grant price of the share is \u20ac\u00a032.12, which is equal to the opening stock price on the Euronext Amsterdam stock exchange on the 1<sup>st</sup> trading day after the salary-payment date in each month in the period July to December 2023, taken into consideration the aforementioned discount. </p>\n<p>The personnel conditions, e.g. discount on non-life insurance products, that apply to all personnel also apply to key management personnel. </p>\n<h1 class=\"S_PARAGRAPH\" id=\"n1285399\"><span class=\"number\">7.7.5 </span><span class=\"title-text\">Employee Share Purchase Plan </span></h1>\n<p>In 2019 a.s.r. issued an employee share purchase plan (ESPP or \u2018the plan\u2019). a.s.r. employees are thereby given the opportunity to acquire a.s.r. shares at a discount. a.s.r. can suspend or withdraw the plan at any time. There is no option under the plan for either a.s.r. or the employee to settle in cash or other assets. Therefore the plan is an equity-settled share-based payments plan. </p>\n<p>In 2023, a.s.r. has introduced the revised remuneration policy for EB and MB members, see <a href=\"#n1285376\" title=\"Key management personnel remuneration\">chapter 7.7.4. </a></p>\n<p>Under the terms of the plan the granting and vesting is predefined. The grant date of the plan is the moment the employee registers to participate in the plan. The shares vest immediately on the transaction date when cash is received from the employee, unconditionally, subject only to a post-vesting transfer restriction of five years. Otherwise, there are no specific restrictions to the share (i.e. voting power, dividend restrictions). </p>\n<p>The employees purchase the shares at a discount of 18.5%. The fair value of the a.s.r. share with a lock-up of five years at the grant date equals the purchased price by the employee. The ESPP has an impact on equity through the adjustment in the treasury shares and retained earnings. See <a href=\"#n1289679\" title=\"Treasury shares\">chapter 7.5.11.5</a> Treasury shares for more information. </p>\n<p>The number of shares purchased by employees during the reporting period was 159 thousand for an amount of \u20ac\u00a05 million (2022: 124 thousand for an amount of \u20ac\u00a04 million). </p>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfRelatedPartyExplanatory",
    "language": "en",
    "entity": "scheme:7245000G0HS48PZWUD53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "ixv-777": {
   "value": "\n<h1 class=\"S_PARAGRAPH\" id=\"n1285376\"><span class=\"number\">7.7.4 </span><span class=\"title-text\">Key management personnel remuneration </span></h1>\n<p>Transactions with key management personnel (EB, BEC members, MB members and SB) are transactions with related parties. Additional information on the remuneration of members of the EB and SB is disclosed in the remuneration report; see chapter <a href=\"#n1290148\" title=\"Remuneration report\">5.3</a>. </p>\n<h3 class=\"table-title\">Annual remuneration key management personnel </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:18%;\"/><col style=\"width:8%;\"/><col style=\"width:8%;\"/><col style=\"width:8%;\"/><col style=\"width:8%;\"/><col style=\"width:8%;\"/><col style=\"width:8%;\"/><col style=\"width:8%;\"/><col style=\"width:8%;\"/><col style=\"width:9%;\"/><col style=\"width:9%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;\">Amounts in \u20ac\u00a0thousands </th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">Executive board </th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">MB members<sup class=\"footnote cShowTooltip\" title=\"J.F. Sappelli was appointed as CHRO and Member of the MB of a.s.r. on 4 July 2023. R.E. Dekker was appointed as CRO and Member of the MB of a.s.r. on 4 July 2023. W. van den Berg was appointed as COO Life and Member of the MB of a.s.r. on 4 July 2023. The remuneration figures for 2023 reflect a partial year.\">1 </sup></th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">BEC members<sup class=\"footnote cShowTooltip\" title=\"One director left the BEC in 2023. Four directors joined the BEC and three directors left the BEC in 2022.The remuneration figures reflect a partial year as a member of the BEC.\">2 </sup></th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">SB<sup class=\"footnote cShowTooltip\" title=\"D. Jansen Heijtmajer was appointed as a Member of the SB of a.s.r. and as Member of the N&amp;ESG Committee of the SB of a.s.r. on 4 July 2023. E. Friese was appointed as a Member of the SB of a.s.r. and as Member of the A&amp;RC Committee of the SB of a.s.r. on 4 July 2023. The remuneration figures reflect a partial year as member of the SB.\">3 </sup></th><th class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Total 2023 </b></th><th class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">Executive board </th><th class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">MB members </th><th class=\"startCol-9 endCol-9 valign-bottom align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">BEC members </th><th class=\"startCol-10 endCol-10 valign-bottom align-right border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">SB </th><th class=\"startCol-11 endCol-11 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Total 2022 </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Fixed compensation </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-8 endCol-8 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-9 endCol-9 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-10 endCol-10 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-11 endCol-11 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Base salary in cash </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,635 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">717 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1,510 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">283 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">5,145 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2,388 </td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-9 endCol-9 valign-bottom align-right border-top-1\" style=\"text-align:right;vertical-align:bottom;\">3,080 </td><td class=\"startCol-10 endCol-10 valign-bottom align-right border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">190 </td><td class=\"startCol-11 endCol-11 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">5,658 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Base salary in shares </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-left-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">323 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right format-highlight\" style=\"text-align:right;vertical-align:bottom;\">66 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-right-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">389 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-left-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-8 endCol-8 valign-bottom align-right zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-9 endCol-9 valign-bottom align-right zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-10 endCol-10 valign-bottom align-right border-right-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-11 endCol-11 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Fees </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-left-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-right-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">100 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">100 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-left-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-8 endCol-8 valign-bottom align-right zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-9 endCol-9 valign-bottom align-right zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-10 endCol-10 valign-bottom align-right border-right-1\" style=\"text-align:right;vertical-align:bottom;\">88 </td><td class=\"startCol-11 endCol-11 valign-bottom align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">88 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Fringe benefits<sup class=\"footnote cShowTooltip\" title=\"Variations arise as a result of the fiscal treatment of lease vehicles depending on the price and private use of the car, personal allowance and social security.\">4 </sup></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-left-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">63 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right format-highlight\" style=\"text-align:right;vertical-align:bottom;\">36 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right format-highlight\" style=\"text-align:right;vertical-align:bottom;\">109 </td><td class=\"startCol-5 endCol-5 valign-top border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-left-1 border-right-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">208 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-left-1\" style=\"text-align:right;vertical-align:bottom;\">55 </td><td class=\"startCol-8 endCol-8 valign-bottom align-right zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-9 endCol-9 valign-bottom align-right\" style=\"text-align:right;vertical-align:bottom;\">177 </td><td class=\"startCol-10 endCol-10 valign-bottom align-right border-right-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-11 endCol-11 valign-bottom align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:bottom;\">232 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Other </b></td><td class=\"startCol-2 endCol-2 valign-top border-left-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-8 endCol-8 valign-top\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-9 endCol-9 valign-top\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-10 endCol-10 valign-top border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-11 endCol-11 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Pension expense<sup class=\"footnote cShowTooltip\" title=\"The annual pension expenditure is based on a premium table. Further changes in the cost of pension benefits are mainly due to the impact of age. The pension costs include DC pensions based on maximum pensionable salary cap, compensation for the maximum pensionable salary cap (to be used for pensions at the employees\u2019 discretion), and VPL. The amount presented is excluding amounts related to the indexation of the defined benefit plan, as they are not expenses in the current year.\">5 </sup></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-left-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">525 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right format-highlight\" style=\"text-align:right;vertical-align:bottom;\">120 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right format-highlight\" style=\"text-align:right;vertical-align:bottom;\">330 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-right-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">976 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-left-1\" style=\"text-align:right;vertical-align:bottom;\">489 </td><td class=\"startCol-8 endCol-8 valign-bottom align-right zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-9 endCol-9 valign-bottom align-right\" style=\"text-align:right;vertical-align:bottom;\">677 </td><td class=\"startCol-10 endCol-10 valign-bottom align-right border-right-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-11 endCol-11 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,165 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-8 endCol-8 valign-top border-bottom-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-9 endCol-9 valign-top border-bottom-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-10 endCol-10 valign-top border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-11 endCol-11 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total remuneration </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>3,547 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>940 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>1,949 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>382 </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>6,818 </b></td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>2,932 </b></td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-9 endCol-9 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>3,933 </b></td><td class=\"startCol-10 endCol-10 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>278 </b></td><td class=\"startCol-11 endCol-11 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>7,143 </b></td></tr></tbody></table><ol class=\"footnotes width-50\"><li> J.F. Sappelli was appointed as CHRO and Member of the MB of a.s.r. on 4 July 2023. R.E. Dekker was appointed as CRO and Member of the MB of a.s.r. on 4 July 2023. W. van den Berg was appointed as COO Life and Member of the MB of a.s.r. on 4 July 2023. The remuneration figures for 2023 reflect a partial year. </li><li> One director left the BEC in 2023. Four directors joined the BEC and three directors left the BEC in 2022.The remuneration figures reflect a partial year as a member of the BEC. </li><li> D. Jansen Heijtmajer was appointed as a Member of the SB of a.s.r. and as Member of the N&amp;ESG Committee of the SB of a.s.r. on 4 July 2023. E. Friese was appointed as a Member of the SB of a.s.r. and as Member of the A&amp;RC Committee of the SB of a.s.r. on 4 July 2023. The remuneration figures reflect a partial year as member of the SB. </li><li> Variations arise as a result of the fiscal treatment of lease vehicles depending on the price and private use of the car, personal allowance and social security. </li><li> The annual pension expenditure is based on a premium table. Further changes in the cost of pension benefits are mainly due to the impact of age. The pension costs include DC pensions based on maximum pensionable salary cap, compensation for the maximum pensionable salary cap (to be used for pensions at the employees\u2019 discretion), and VPL. The amount presented is excluding amounts related to the indexation of the defined benefit plan, as they are not expenses in the current year. </li></ol> <br/>\n<p>In the table above, \u2018Executive Board\u2019 refers to the three members of the EB as at 31 December 2023. The three members of the EB were also members of the BEC, until 3 July 2023. At 4 July 2023 the Management Board (MB) was introduced and replaced the BEC. The three members of the EB are also members of the MB. </p>\n<p>In the table above, \u2018BEC\u2019 refers to the eight (2022: nine) members of the BEC, i.e. those members that are not also member of the EB in the table above. The remuneration figures for 2023 reflects a partial year. 'MB' refers to the three members of the MB, i.e. those members that are not also member of the EB in the table above. The remuneration figures for 2023 reflects a partial year. </p>\n<p>In 2023, a.s.r. has introduced the revised remuneration policy for EB and MB members. The revised remuneration policy is an add-on to the existing policy to acquire a.s.r. shares under the ESPP, resulting from the transaction with Aegon NL. </p>\n<p>The number of shares that are allocated (granted) to MB members is 1,035 shares. The shares are purchased by the MB at a discount of 18.5%. The average grant price of the share is \u20ac\u00a032.12, which is equal to the opening stock price on the Euronext Amsterdam stock exchange on the 1<sup>st</sup> trading day after the salary-payment date in each month in the period July to December 2023, taken into consideration the aforementioned discount. </p>\n<p>The personnel conditions, e.g. discount on non-life insurance products, that apply to all personnel also apply to key management personnel. </p>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfInformationAboutKeyManagementPersonnelExplanatory",
    "language": "en",
    "entity": "scheme:7245000G0HS48PZWUD53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "ixv-779": {
   "value": "\n<h1 class=\"S_PARAGRAPH\" id=\"n1285376\"><span class=\"number\">7.7.4 </span><span class=\"title-text\">Key management personnel remuneration </span></h1>\n<p>Transactions with key management personnel (EB, BEC members, MB members and SB) are transactions with related parties. Additional information on the remuneration of members of the EB and SB is disclosed in the remuneration report; see chapter <a href=\"#n1290148\" title=\"Remuneration report\">5.3</a>. </p>\n<h3 class=\"table-title\">Annual remuneration key management personnel </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:18%;\"/><col style=\"width:8%;\"/><col style=\"width:8%;\"/><col style=\"width:8%;\"/><col style=\"width:8%;\"/><col style=\"width:8%;\"/><col style=\"width:8%;\"/><col style=\"width:8%;\"/><col style=\"width:8%;\"/><col style=\"width:9%;\"/><col style=\"width:9%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;\">Amounts in \u20ac\u00a0thousands </th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">Executive board </th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">MB members<sup class=\"footnote cShowTooltip\" title=\"J.F. Sappelli was appointed as CHRO and Member of the MB of a.s.r. on 4 July 2023. R.E. Dekker was appointed as CRO and Member of the MB of a.s.r. on 4 July 2023. W. van den Berg was appointed as COO Life and Member of the MB of a.s.r. on 4 July 2023. The remuneration figures for 2023 reflect a partial year.\">1 </sup></th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">BEC members<sup class=\"footnote cShowTooltip\" title=\"One director left the BEC in 2023. Four directors joined the BEC and three directors left the BEC in 2022.The remuneration figures reflect a partial year as a member of the BEC.\">2 </sup></th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">SB<sup class=\"footnote cShowTooltip\" title=\"D. Jansen Heijtmajer was appointed as a Member of the SB of a.s.r. and as Member of the N&amp;ESG Committee of the SB of a.s.r. on 4 July 2023. E. Friese was appointed as a Member of the SB of a.s.r. and as Member of the A&amp;RC Committee of the SB of a.s.r. on 4 July 2023. The remuneration figures reflect a partial year as member of the SB.\">3 </sup></th><th class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Total 2023 </b></th><th class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">Executive board </th><th class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">MB members </th><th class=\"startCol-9 endCol-9 valign-bottom align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">BEC members </th><th class=\"startCol-10 endCol-10 valign-bottom align-right border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">SB </th><th class=\"startCol-11 endCol-11 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Total 2022 </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Fixed compensation </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-8 endCol-8 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-9 endCol-9 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-10 endCol-10 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-11 endCol-11 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Base salary in cash </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,635 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">717 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1,510 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">283 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">5,145 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2,388 </td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-9 endCol-9 valign-bottom align-right border-top-1\" style=\"text-align:right;vertical-align:bottom;\">3,080 </td><td class=\"startCol-10 endCol-10 valign-bottom align-right border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">190 </td><td class=\"startCol-11 endCol-11 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">5,658 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Base salary in shares </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-left-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">323 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right format-highlight\" style=\"text-align:right;vertical-align:bottom;\">66 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-right-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">389 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-left-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-8 endCol-8 valign-bottom align-right zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-9 endCol-9 valign-bottom align-right zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-10 endCol-10 valign-bottom align-right border-right-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-11 endCol-11 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Fees </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-left-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-right-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">100 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">100 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-left-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-8 endCol-8 valign-bottom align-right zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-9 endCol-9 valign-bottom align-right zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-10 endCol-10 valign-bottom align-right border-right-1\" style=\"text-align:right;vertical-align:bottom;\">88 </td><td class=\"startCol-11 endCol-11 valign-bottom align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">88 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Fringe benefits<sup class=\"footnote cShowTooltip\" title=\"Variations arise as a result of the fiscal treatment of lease vehicles depending on the price and private use of the car, personal allowance and social security.\">4 </sup></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-left-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">63 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right format-highlight\" style=\"text-align:right;vertical-align:bottom;\">36 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right format-highlight\" style=\"text-align:right;vertical-align:bottom;\">109 </td><td class=\"startCol-5 endCol-5 valign-top border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-left-1 border-right-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">208 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-left-1\" style=\"text-align:right;vertical-align:bottom;\">55 </td><td class=\"startCol-8 endCol-8 valign-bottom align-right zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-9 endCol-9 valign-bottom align-right\" style=\"text-align:right;vertical-align:bottom;\">177 </td><td class=\"startCol-10 endCol-10 valign-bottom align-right border-right-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-11 endCol-11 valign-bottom align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:bottom;\">232 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Other </b></td><td class=\"startCol-2 endCol-2 valign-top border-left-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-8 endCol-8 valign-top\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-9 endCol-9 valign-top\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-10 endCol-10 valign-top border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-11 endCol-11 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Pension expense<sup class=\"footnote cShowTooltip\" title=\"The annual pension expenditure is based on a premium table. Further changes in the cost of pension benefits are mainly due to the impact of age. The pension costs include DC pensions based on maximum pensionable salary cap, compensation for the maximum pensionable salary cap (to be used for pensions at the employees\u2019 discretion), and VPL. The amount presented is excluding amounts related to the indexation of the defined benefit plan, as they are not expenses in the current year.\">5 </sup></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-left-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">525 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right format-highlight\" style=\"text-align:right;vertical-align:bottom;\">120 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right format-highlight\" style=\"text-align:right;vertical-align:bottom;\">330 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-right-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">976 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-left-1\" style=\"text-align:right;vertical-align:bottom;\">489 </td><td class=\"startCol-8 endCol-8 valign-bottom align-right zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-9 endCol-9 valign-bottom align-right\" style=\"text-align:right;vertical-align:bottom;\">677 </td><td class=\"startCol-10 endCol-10 valign-bottom align-right border-right-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-11 endCol-11 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,165 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-8 endCol-8 valign-top border-bottom-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-9 endCol-9 valign-top border-bottom-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-10 endCol-10 valign-top border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-11 endCol-11 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total remuneration </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>3,547 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>940 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>1,949 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>382 </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>6,818 </b></td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>2,932 </b></td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-9 endCol-9 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>3,933 </b></td><td class=\"startCol-10 endCol-10 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>278 </b></td><td class=\"startCol-11 endCol-11 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>7,143 </b></td></tr></tbody></table><ol class=\"footnotes width-50\"><li> J.F. Sappelli was appointed as CHRO and Member of the MB of a.s.r. on 4 July 2023. R.E. Dekker was appointed as CRO and Member of the MB of a.s.r. on 4 July 2023. W. van den Berg was appointed as COO Life and Member of the MB of a.s.r. on 4 July 2023. The remuneration figures for 2023 reflect a partial year. </li><li> One director left the BEC in 2023. Four directors joined the BEC and three directors left the BEC in 2022.The remuneration figures reflect a partial year as a member of the BEC. </li><li> D. Jansen Heijtmajer was appointed as a Member of the SB of a.s.r. and as Member of the N&amp;ESG Committee of the SB of a.s.r. on 4 July 2023. E. Friese was appointed as a Member of the SB of a.s.r. and as Member of the A&amp;RC Committee of the SB of a.s.r. on 4 July 2023. The remuneration figures reflect a partial year as member of the SB. </li><li> Variations arise as a result of the fiscal treatment of lease vehicles depending on the price and private use of the car, personal allowance and social security. </li><li> The annual pension expenditure is based on a premium table. Further changes in the cost of pension benefits are mainly due to the impact of age. The pension costs include DC pensions based on maximum pensionable salary cap, compensation for the maximum pensionable salary cap (to be used for pensions at the employees\u2019 discretion), and VPL. The amount presented is excluding amounts related to the indexation of the defined benefit plan, as they are not expenses in the current year. </li></ol> <br/>\n<p>In the table above, \u2018Executive Board\u2019 refers to the three members of the EB as at 31 December 2023. The three members of the EB were also members of the BEC, until 3 July 2023. At 4 July 2023 the Management Board (MB) was introduced and replaced the BEC. The three members of the EB are also members of the MB. </p>\n<p>In the table above, \u2018BEC\u2019 refers to the eight (2022: nine) members of the BEC, i.e. those members that are not also member of the EB in the table above. The remuneration figures for 2023 reflects a partial year. 'MB' refers to the three members of the MB, i.e. those members that are not also member of the EB in the table above. The remuneration figures for 2023 reflects a partial year. </p>\n<p>In 2023, a.s.r. has introduced the revised remuneration policy for EB and MB members. The revised remuneration policy is an add-on to the existing policy to acquire a.s.r. shares under the ESPP, resulting from the transaction with Aegon NL. </p>\n<p>The number of shares that are allocated (granted) to MB members is 1,035 shares. The shares are purchased by the MB at a discount of 18.5%. The average grant price of the share is \u20ac\u00a032.12, which is equal to the opening stock price on the Euronext Amsterdam stock exchange on the 1<sup>st</sup> trading day after the salary-payment date in each month in the period July to December 2023, taken into consideration the aforementioned discount. </p>\n<p>The personnel conditions, e.g. discount on non-life insurance products, that apply to all personnel also apply to key management personnel. </p>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfSharebasedPaymentArrangementsExplanatory",
    "language": "en",
    "entity": "scheme:7245000G0HS48PZWUD53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "ixv-782": {
   "value": "\n<h1 class=\"S_PARAGRAPH\" id=\"n1285423\"><span class=\"number\">7.7.6 </span><span class=\"title-text\">Contingent liabilities and assets </span></h1>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n1285445\"><span class=\"number\">7.7.6.1 </span><span class=\"title-text\">General claims and disputes </span></h1>\n<p>The group is a respondent in a number of claims, disputes and legal proceedings arising from the normal conduct of business. </p>\n<p>Provisions are formed for such occurrences if, in management\u2019s opinion and after consultation with its legal advisors, a.s.r. is likely to have to make payments and the payable amount can be estimated with sufficient reliability. The costs of the compensation scheme for unit-linked insurance contracts have been fully recognised in the financial statements based on management\u2019s best knowledge of current facts, actions, claims, complaints and events. Provisions are recognised in the liabilities arising from insurance contracts (see <a href=\"#n1288783\" title=\"Insurance contract liabilities and reinsurance contract assets\">chapter 7.5.13</a>) and legal provisions (see <a href=\"#n1289145\" title=\"Provisions\">chapter 7.5.16</a>). </p>\n<p>Dutch insurers see an increase in insurance policies complaints / claims based on grounds other than the cost compensation. Current and possible future legal proceedings could have a substantial financial and reputational impact. However it is not possible at this time to make reliable estimates of the number of expected proceedings, possible future precedents and the financial impact of current and possible future proceedings. Currently there are no indications that such a provision would be necessary for a.s.r. </p>\n<p>Legal claims on the indexation clause are causing uncertainty for the residential rental sector in the Netherlands as a whole. During 2023, one of the a.s.r. real estate funds was litigated against in relation to increasements in rental prices by the lessor as included in all standard residential contracts and in line with \u2018Raad voor Onroerende Zaken\u2019 standards. The legal department is working together with external legal advisors in order to mitigate this risk. The outcome of the current litigation is uncertain and could possibly mean that part or all the rental increasements would have to be paid back. In that case, this would not only impact a.s.r. but also the entire residential investment market. Although a.s.r. currently does not expect the pending litigation to have a material impact on a.s.r., there can be no assurances that this matter will not ultimately result in a material adverse effect on a.s.r.\u2019s business, results of operations and financial position. </p>\n<p>As for other claims and legal proceedings, against a.s.r. known to management (and for which, in accordance with the defined principles, no provision has been formed), management believes, after having sought expert advice, that these claims have no chance of success, or that a.s.r. can successfully mount a defense against them, or that the outcome of the proceedings is unlikely to result in a significant loss for a.s.r. For further information related to the Unit-Linked Products (beleggingsverzekeringen), see <a href=\"#n1285470\" title=\"Pending litigation portfolio and product-related issues\">chapter 7.7.6.2</a>. </p>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n1285470\"><span class=\"number\">7.7.6.2 </span><span class=\"title-text\">Pending litigation portfolio and product-related issues </span></h1>\n<div class=\"header header-2\">Unit-linked products (beleggingsverzekeringen) </div>\n<p>Since the end 2006 the unit-linked policies (beleggingsverzekeringen) received negative attention in the media and from political and regulatory sources. The criticism and scrutiny on unit-linked life insurance products led to significant compensation arrangements and product improvement programmes by Dutch insurance companies, including a.s.r. However, individual customers as well as policyholder advocate groups and their representatives continue to focus on the fees and charges included in products, alleged transparency aspects, as well as that consumers did not receive sufficient compensation based on the compensation arrangements. a.s.r. expects this to remain an issue for the industry for the foreseeable future. Exposure and attention will be stimulated by court cases. </p>\n<div class=\"header header-3\">Proceedings in which a.s.r. is involved </div>\n<p>a.s.r. is currently subject to a number of collective actions: </p><ul><li>\n<p>Vereniging Woekerpolis.nl </p></li><li>\n<p>Consumentenbond </p></li><li>\n<p>Stichting Wakkerpolis </p></li></ul>\n<p>The claims have been rejected by a.s.r. and a.s.r. defends itself in these legal proceedings. </p>\n<div class=\"header header-3\">Developments in 2023 </div>\n<p>On 26 September 2023, The Court of Appeal in The Hague stipulated (regarding the class action between Woekerpolis.nl and Aegon life and Aegon spaarkas) that there was no consent for certain costs and the level of cost and risk premium. Given the wide variety of products and product documentation, the ruling cannot be applied to the other cases and/or products from a.s.r. The ruling does not dictate compensation, nor has the Court of Appeal taken into consideration any of the compensation arrangements that customers may have received already in the past. The Court further ruled that there were no unfair terms, that sufficient warning had been given about the risks of these products and that there were no defective products. a.s.r. believes that the lack of consent on certain (level of) costs and risk premium is resolved by adopting levels that are considered fair and reasonable in compensation arrangements given in the past.\u00a0</p>\n<p>In November 2023, in order to resolve these long-lasting and historical disputes a.s.r. initiated a settlement agreement with five consumer protection organisations. The settlement is not an acknowledgement of too high costs, risk premiums and/or charges. a.s.r. also set up a leniency scheme for customers who are not affiliated with a consumer protection organisation for distressing cases that are assessed on their merits. All existing collective proceedings against a.s.r. and Aegon NL will be withdrawn once the 90% threshold has been achieved. No new (collective) proceeding will be initiated by the foundations nor their individual representatives against a.s.r. and/or Aegon NL. See <a href=\"#n1289145\" title=\"Provisions\">chapter 7.5.16</a> for details. </p>\n<p>As the settlement agreement will only become final once 90% of the affiliated customers agree to the settlement, it was necessary for Aegon life and Aegon spaarkas to file an appeal in cassation with the Supreme Court on 21 December 2023. </p>\n<p>Developments in similar cases against other Dutch insurers currently before regulators, Kifid and courts may also affect a.s.r. These matters will be defended; however, at this time, due to the nature and the type of claims, it is not practicable for a.s.r. to quantify a range or maximum liability or the timing of the financial impact, if any. There can be no assurance that such claims may not have a material adverse effect on a.s.r.\u2019s results of operations or financial position. However, with the November 2023 settlement agreement the remaining risks of a material adverse effect have been limited. </p>\n<div class=\"header header-2\">Optas </div>\n<p>In 2019 Optas had been merged into Aegon life, based on prior approval and instruction by the DNB. A limited number of policyholders opposed the merger and appealed the permission of DNB at the administrative Court. On 13 February 2023 the administrative Court granted the objections and annulled the permission granted by the DNB. The Court found that DNB should have required that all policyholders should have been individually informed in writing regarding the merger and given the possibility to oppose the merger. The Court also found that DNB should have shared all (including those marked classified and sensitive) documents relating to the permission to the objectors. Based on the Wft the legality of the merger is not affected by an administrative annulment. This has been confirmed by ruling of the civil Court in a case against Aegon life, that is now subject of a pending appeal. Though Aegon life does not expect the pending litigation at the civil Court to have a material impact, if any, there can be no assurances that these matters, will not ultimately result in a material adverse effect on a.s.r.'s business, results of operations and financial position. </p>\n<div class=\"header header-2\">Securities leasing products (\u201caandelenlease\u201d) </div>\n<p>Lawsuits have been brought against providers of securities leasing products (\u2018aandelenlease producten\u2019). Although sales of securities leasing products ended more than a decade ago, litigation relating to these products has resurfaced. In December 2020 Knab reached an agreement in principle on a settlement with Leaseproces B.V. for claims regarding Vliegwiel and Sprintplan customers represented by Leaseproces. On 4 June 2021 Aegon NL and Leaseproces B.V. announced it had finalised its agreement to settle these\u00a0claims. By the end of the response period, 99.7% of Vliegwiel customers and 94.5% of Sprintplan customers had agreed to the proposed settlement. Full performance of the agreement ended in 2022. There are still some individual claims pending at the courts and Kifid. </p>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n1285493\"><span class=\"number\">7.7.6.3 </span><span class=\"title-text\">Obligations and guarantees </span></h1>\n<p>Investment obligations for an amount of \u20ac\u00a0467 million (2022: \u20ac\u00a0366 million) have been assumed / issued for investment property. </p>\n<p>Investment obligations and guarantees for a total amount of \u20ac\u00a015 million (2022: \u20ac\u00a016 million) have been issued, for real estate development projects and the acquisition of property. Those guarantees were issued by principals for the execution of projects for the benefit of clients. </p>\n<p>In October 2017, Aegon NL sold its shares in Unirobe Mee\u00f9s Groep (UMG) for \u20ac\u00a0295 million to Aon Groep Nederland. Under the share purchase agreement between Aegon NL and the buyer, a.s.r. (after the business combination with Aegon NL) indemnifies and holds the buyer and its group (including UMG) harmless for and against any damage suffered or incurred which is the result of the Unit Linked Insurances Claims until 2027 with respect to Unit Linked Policies in the portfolio of UMG prior to 1 January 2017. The aggregate liability for a.s.r. is maximised at an amount equal to the purchase price. </p>\n<p>The sale of real estate which relates to properties that are under contract to be sold as per 31 December 2023 amounts to \u20ac\u00a087 million (2022: \u20ac\u00a0190 million). Real estate commitments represent the committed pipeline of investments in real estate projects. </p>\n<p>The Dutch guarantee fund for motorised traffic has a latent claim on all insurers offering legal liability products. In line with the advise of the guarantee fund a.s.r.'s contingent liability is \u20ac\u00a013 million (2022: \u20ac\u00a010 million). </p>\n<p>a.s.r. also had irrevocable facilities of \u20ac\u00a01.752 million (2022: \u20ac\u00a0391 million) which mainly relate to mortgage loan offers issued. Mortgage loan commitments represent undrawn mortgage loan facilities provided and outstanding proposals on mortgages. The sale of mortgage loans relates to pre-announced redemptions on mortgage loans and amounts to \u20ac\u00a018 million. </p>\n<p>The share of contingent liabilities incurred in relation to interests in joint ventures amounts to \u20ac\u00a014 million. These contingent liabilities not shown in the statement of financial position relate to investment obligations entered into by a.s.r. (for its share of approximately 50%) for real estate development projects of Amvest. </p>\n<p>Furthermore, a.s.r. has entered into private loans agreements (purchases \u20ac\u00a096 million; sales \u20ac\u00a0396 million) and private equity agreements (sales \u20ac\u00a0100 million). Other commitments mainly consist of future purchases of interests in investment funds and amounts to \u20ac\u00a0337 million. </p>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n1285515\"><span class=\"number\">7.7.6.4 </span><span class=\"title-text\">Expected future lease payments </span></h1>\n<p>The following table sets out the expected future lease payments for investment property and plants, showing the undiscounted lease payments to be received after the reporting date. </p>\n<h3 class=\"table-title\">Expected minimum future lease payments on non-cancellable investment property lease and plants </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:0%;\"/><col style=\"width:15%;\"/><col style=\"width:15%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">31 December 2023 </th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">31 December 2022 </th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">To be received within 1 year </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">37 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">33 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-right-1\" style=\"text-align:left;vertical-align:bottom;\">To be received between 1 and 2 years </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">30 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">29 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-right-1\" style=\"text-align:left;vertical-align:bottom;\">To be received between 2 and 3 years </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">25 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">25 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-right-1\" style=\"text-align:left;vertical-align:bottom;\">To be received between 3 and 4 years </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">20 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">21 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-right-1\" style=\"text-align:left;vertical-align:bottom;\">To be received between 4 and 5 years </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">15 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">17 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-right-1\" style=\"text-align:left;vertical-align:bottom;\">To be received after 5 years </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">97 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">89 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-right-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total undiscounted lease payments </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>224 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>214 </b></td></tr></tbody></table> <br/>\n<p>The investments properties, in retail, residential, offices and rural markets are leased to third parties, consisting of various lease terms in a range between shorter than one year and undetermined period with competitive rents mostly indexed to consumer prices. The plants are leased to third parties with lease terms longer than ten years. </p>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n1285537\"><span class=\"number\">7.7.6.5 </span><span class=\"title-text\">Contingent considerations in acquisitions </span></h1>\n<p>The consideration paid for Veherex by a.s.r. non-life includes a contingent consideration with a remaining fair value of \u20ac\u00a01,4 million to be paid over a remaining period of one year. </p>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfCommitmentsExplanatory",
    "language": "en",
    "entity": "scheme:7245000G0HS48PZWUD53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "ixv-783": {
   "value": "\n<h1 class=\"S_PARAGRAPH\" id=\"n1285423\"><span class=\"number\">7.7.6 </span><span class=\"title-text\">Contingent liabilities and assets </span></h1>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n1285445\"><span class=\"number\">7.7.6.1 </span><span class=\"title-text\">General claims and disputes </span></h1>\n<p>The group is a respondent in a number of claims, disputes and legal proceedings arising from the normal conduct of business. </p>\n<p>Provisions are formed for such occurrences if, in management\u2019s opinion and after consultation with its legal advisors, a.s.r. is likely to have to make payments and the payable amount can be estimated with sufficient reliability. The costs of the compensation scheme for unit-linked insurance contracts have been fully recognised in the financial statements based on management\u2019s best knowledge of current facts, actions, claims, complaints and events. Provisions are recognised in the liabilities arising from insurance contracts (see <a href=\"#n1288783\" title=\"Insurance contract liabilities and reinsurance contract assets\">chapter 7.5.13</a>) and legal provisions (see <a href=\"#n1289145\" title=\"Provisions\">chapter 7.5.16</a>). </p>\n<p>Dutch insurers see an increase in insurance policies complaints / claims based on grounds other than the cost compensation. Current and possible future legal proceedings could have a substantial financial and reputational impact. However it is not possible at this time to make reliable estimates of the number of expected proceedings, possible future precedents and the financial impact of current and possible future proceedings. Currently there are no indications that such a provision would be necessary for a.s.r. </p>\n<p>Legal claims on the indexation clause are causing uncertainty for the residential rental sector in the Netherlands as a whole. During 2023, one of the a.s.r. real estate funds was litigated against in relation to increasements in rental prices by the lessor as included in all standard residential contracts and in line with \u2018Raad voor Onroerende Zaken\u2019 standards. The legal department is working together with external legal advisors in order to mitigate this risk. The outcome of the current litigation is uncertain and could possibly mean that part or all the rental increasements would have to be paid back. In that case, this would not only impact a.s.r. but also the entire residential investment market. Although a.s.r. currently does not expect the pending litigation to have a material impact on a.s.r., there can be no assurances that this matter will not ultimately result in a material adverse effect on a.s.r.\u2019s business, results of operations and financial position. </p>\n<p>As for other claims and legal proceedings, against a.s.r. known to management (and for which, in accordance with the defined principles, no provision has been formed), management believes, after having sought expert advice, that these claims have no chance of success, or that a.s.r. can successfully mount a defense against them, or that the outcome of the proceedings is unlikely to result in a significant loss for a.s.r. For further information related to the Unit-Linked Products (beleggingsverzekeringen), see <a href=\"#n1285470\" title=\"Pending litigation portfolio and product-related issues\">chapter 7.7.6.2</a>. </p>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n1285470\"><span class=\"number\">7.7.6.2 </span><span class=\"title-text\">Pending litigation portfolio and product-related issues </span></h1>\n<div class=\"header header-2\">Unit-linked products (beleggingsverzekeringen) </div>\n<p>Since the end 2006 the unit-linked policies (beleggingsverzekeringen) received negative attention in the media and from political and regulatory sources. The criticism and scrutiny on unit-linked life insurance products led to significant compensation arrangements and product improvement programmes by Dutch insurance companies, including a.s.r. However, individual customers as well as policyholder advocate groups and their representatives continue to focus on the fees and charges included in products, alleged transparency aspects, as well as that consumers did not receive sufficient compensation based on the compensation arrangements. a.s.r. expects this to remain an issue for the industry for the foreseeable future. Exposure and attention will be stimulated by court cases. </p>\n<div class=\"header header-3\">Proceedings in which a.s.r. is involved </div>\n<p>a.s.r. is currently subject to a number of collective actions: </p><ul><li>\n<p>Vereniging Woekerpolis.nl </p></li><li>\n<p>Consumentenbond </p></li><li>\n<p>Stichting Wakkerpolis </p></li></ul>\n<p>The claims have been rejected by a.s.r. and a.s.r. defends itself in these legal proceedings. </p>\n<div class=\"header header-3\">Developments in 2023 </div>\n<p>On 26 September 2023, The Court of Appeal in The Hague stipulated (regarding the class action between Woekerpolis.nl and Aegon life and Aegon spaarkas) that there was no consent for certain costs and the level of cost and risk premium. Given the wide variety of products and product documentation, the ruling cannot be applied to the other cases and/or products from a.s.r. The ruling does not dictate compensation, nor has the Court of Appeal taken into consideration any of the compensation arrangements that customers may have received already in the past. The Court further ruled that there were no unfair terms, that sufficient warning had been given about the risks of these products and that there were no defective products. a.s.r. believes that the lack of consent on certain (level of) costs and risk premium is resolved by adopting levels that are considered fair and reasonable in compensation arrangements given in the past.\u00a0</p>\n<p>In November 2023, in order to resolve these long-lasting and historical disputes a.s.r. initiated a settlement agreement with five consumer protection organisations. The settlement is not an acknowledgement of too high costs, risk premiums and/or charges. a.s.r. also set up a leniency scheme for customers who are not affiliated with a consumer protection organisation for distressing cases that are assessed on their merits. All existing collective proceedings against a.s.r. and Aegon NL will be withdrawn once the 90% threshold has been achieved. No new (collective) proceeding will be initiated by the foundations nor their individual representatives against a.s.r. and/or Aegon NL. See <a href=\"#n1289145\" title=\"Provisions\">chapter 7.5.16</a> for details. </p>\n<p>As the settlement agreement will only become final once 90% of the affiliated customers agree to the settlement, it was necessary for Aegon life and Aegon spaarkas to file an appeal in cassation with the Supreme Court on 21 December 2023. </p>\n<p>Developments in similar cases against other Dutch insurers currently before regulators, Kifid and courts may also affect a.s.r. These matters will be defended; however, at this time, due to the nature and the type of claims, it is not practicable for a.s.r. to quantify a range or maximum liability or the timing of the financial impact, if any. There can be no assurance that such claims may not have a material adverse effect on a.s.r.\u2019s results of operations or financial position. However, with the November 2023 settlement agreement the remaining risks of a material adverse effect have been limited. </p>\n<div class=\"header header-2\">Optas </div>\n<p>In 2019 Optas had been merged into Aegon life, based on prior approval and instruction by the DNB. A limited number of policyholders opposed the merger and appealed the permission of DNB at the administrative Court. On 13 February 2023 the administrative Court granted the objections and annulled the permission granted by the DNB. The Court found that DNB should have required that all policyholders should have been individually informed in writing regarding the merger and given the possibility to oppose the merger. The Court also found that DNB should have shared all (including those marked classified and sensitive) documents relating to the permission to the objectors. Based on the Wft the legality of the merger is not affected by an administrative annulment. This has been confirmed by ruling of the civil Court in a case against Aegon life, that is now subject of a pending appeal. Though Aegon life does not expect the pending litigation at the civil Court to have a material impact, if any, there can be no assurances that these matters, will not ultimately result in a material adverse effect on a.s.r.'s business, results of operations and financial position. </p>\n<div class=\"header header-2\">Securities leasing products (\u201caandelenlease\u201d) </div>\n<p>Lawsuits have been brought against providers of securities leasing products (\u2018aandelenlease producten\u2019). Although sales of securities leasing products ended more than a decade ago, litigation relating to these products has resurfaced. In December 2020 Knab reached an agreement in principle on a settlement with Leaseproces B.V. for claims regarding Vliegwiel and Sprintplan customers represented by Leaseproces. On 4 June 2021 Aegon NL and Leaseproces B.V. announced it had finalised its agreement to settle these\u00a0claims. By the end of the response period, 99.7% of Vliegwiel customers and 94.5% of Sprintplan customers had agreed to the proposed settlement. Full performance of the agreement ended in 2022. There are still some individual claims pending at the courts and Kifid. </p>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n1285493\"><span class=\"number\">7.7.6.3 </span><span class=\"title-text\">Obligations and guarantees </span></h1>\n<p>Investment obligations for an amount of \u20ac\u00a0467 million (2022: \u20ac\u00a0366 million) have been assumed / issued for investment property. </p>\n<p>Investment obligations and guarantees for a total amount of \u20ac\u00a015 million (2022: \u20ac\u00a016 million) have been issued, for real estate development projects and the acquisition of property. Those guarantees were issued by principals for the execution of projects for the benefit of clients. </p>\n<p>In October 2017, Aegon NL sold its shares in Unirobe Mee\u00f9s Groep (UMG) for \u20ac\u00a0295 million to Aon Groep Nederland. Under the share purchase agreement between Aegon NL and the buyer, a.s.r. (after the business combination with Aegon NL) indemnifies and holds the buyer and its group (including UMG) harmless for and against any damage suffered or incurred which is the result of the Unit Linked Insurances Claims until 2027 with respect to Unit Linked Policies in the portfolio of UMG prior to 1 January 2017. The aggregate liability for a.s.r. is maximised at an amount equal to the purchase price. </p>\n<p>The sale of real estate which relates to properties that are under contract to be sold as per 31 December 2023 amounts to \u20ac\u00a087 million (2022: \u20ac\u00a0190 million). Real estate commitments represent the committed pipeline of investments in real estate projects. </p>\n<p>The Dutch guarantee fund for motorised traffic has a latent claim on all insurers offering legal liability products. In line with the advise of the guarantee fund a.s.r.'s contingent liability is \u20ac\u00a013 million (2022: \u20ac\u00a010 million). </p>\n<p>a.s.r. also had irrevocable facilities of \u20ac\u00a01.752 million (2022: \u20ac\u00a0391 million) which mainly relate to mortgage loan offers issued. Mortgage loan commitments represent undrawn mortgage loan facilities provided and outstanding proposals on mortgages. The sale of mortgage loans relates to pre-announced redemptions on mortgage loans and amounts to \u20ac\u00a018 million. </p>\n<p>The share of contingent liabilities incurred in relation to interests in joint ventures amounts to \u20ac\u00a014 million. These contingent liabilities not shown in the statement of financial position relate to investment obligations entered into by a.s.r. (for its share of approximately 50%) for real estate development projects of Amvest. </p>\n<p>Furthermore, a.s.r. has entered into private loans agreements (purchases \u20ac\u00a096 million; sales \u20ac\u00a0396 million) and private equity agreements (sales \u20ac\u00a0100 million). Other commitments mainly consist of future purchases of interests in investment funds and amounts to \u20ac\u00a0337 million. </p>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n1285515\"><span class=\"number\">7.7.6.4 </span><span class=\"title-text\">Expected future lease payments </span></h1>\n<p>The following table sets out the expected future lease payments for investment property and plants, showing the undiscounted lease payments to be received after the reporting date. </p>\n<h3 class=\"table-title\">Expected minimum future lease payments on non-cancellable investment property lease and plants </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:0%;\"/><col style=\"width:15%;\"/><col style=\"width:15%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">31 December 2023 </th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">31 December 2022 </th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">To be received within 1 year </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">37 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">33 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-right-1\" style=\"text-align:left;vertical-align:bottom;\">To be received between 1 and 2 years </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">30 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">29 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-right-1\" style=\"text-align:left;vertical-align:bottom;\">To be received between 2 and 3 years </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">25 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">25 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-right-1\" style=\"text-align:left;vertical-align:bottom;\">To be received between 3 and 4 years </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">20 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">21 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-right-1\" style=\"text-align:left;vertical-align:bottom;\">To be received between 4 and 5 years </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">15 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">17 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-right-1\" style=\"text-align:left;vertical-align:bottom;\">To be received after 5 years </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">97 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">89 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-right-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total undiscounted lease payments </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>224 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>214 </b></td></tr></tbody></table> <br/>\n<p>The investments properties, in retail, residential, offices and rural markets are leased to third parties, consisting of various lease terms in a range between shorter than one year and undetermined period with competitive rents mostly indexed to consumer prices. The plants are leased to third parties with lease terms longer than ten years. </p>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n1285537\"><span class=\"number\">7.7.6.5 </span><span class=\"title-text\">Contingent considerations in acquisitions </span></h1>\n<p>The consideration paid for Veherex by a.s.r. non-life includes a contingent consideration with a remaining fair value of \u20ac\u00a01,4 million to be paid over a remaining period of one year. </p>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfCommitmentsAndContingentLiabilitiesExplanatory",
    "language": "en",
    "entity": "scheme:7245000G0HS48PZWUD53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "ixv-784": {
   "value": "\n<h1 class=\"S_PARAGRAPH\" id=\"n1285423\"><span class=\"number\">7.7.6 </span><span class=\"title-text\">Contingent liabilities and assets </span></h1>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n1285445\"><span class=\"number\">7.7.6.1 </span><span class=\"title-text\">General claims and disputes </span></h1>\n<p>The group is a respondent in a number of claims, disputes and legal proceedings arising from the normal conduct of business. </p>\n<p>Provisions are formed for such occurrences if, in management\u2019s opinion and after consultation with its legal advisors, a.s.r. is likely to have to make payments and the payable amount can be estimated with sufficient reliability. The costs of the compensation scheme for unit-linked insurance contracts have been fully recognised in the financial statements based on management\u2019s best knowledge of current facts, actions, claims, complaints and events. Provisions are recognised in the liabilities arising from insurance contracts (see <a href=\"#n1288783\" title=\"Insurance contract liabilities and reinsurance contract assets\">chapter 7.5.13</a>) and legal provisions (see <a href=\"#n1289145\" title=\"Provisions\">chapter 7.5.16</a>). </p>\n<p>Dutch insurers see an increase in insurance policies complaints / claims based on grounds other than the cost compensation. Current and possible future legal proceedings could have a substantial financial and reputational impact. However it is not possible at this time to make reliable estimates of the number of expected proceedings, possible future precedents and the financial impact of current and possible future proceedings. Currently there are no indications that such a provision would be necessary for a.s.r. </p>\n<p>Legal claims on the indexation clause are causing uncertainty for the residential rental sector in the Netherlands as a whole. During 2023, one of the a.s.r. real estate funds was litigated against in relation to increasements in rental prices by the lessor as included in all standard residential contracts and in line with \u2018Raad voor Onroerende Zaken\u2019 standards. The legal department is working together with external legal advisors in order to mitigate this risk. The outcome of the current litigation is uncertain and could possibly mean that part or all the rental increasements would have to be paid back. In that case, this would not only impact a.s.r. but also the entire residential investment market. Although a.s.r. currently does not expect the pending litigation to have a material impact on a.s.r., there can be no assurances that this matter will not ultimately result in a material adverse effect on a.s.r.\u2019s business, results of operations and financial position. </p>\n<p>As for other claims and legal proceedings, against a.s.r. known to management (and for which, in accordance with the defined principles, no provision has been formed), management believes, after having sought expert advice, that these claims have no chance of success, or that a.s.r. can successfully mount a defense against them, or that the outcome of the proceedings is unlikely to result in a significant loss for a.s.r. For further information related to the Unit-Linked Products (beleggingsverzekeringen), see <a href=\"#n1285470\" title=\"Pending litigation portfolio and product-related issues\">chapter 7.7.6.2</a>. </p>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n1285470\"><span class=\"number\">7.7.6.2 </span><span class=\"title-text\">Pending litigation portfolio and product-related issues </span></h1>\n<div class=\"header header-2\">Unit-linked products (beleggingsverzekeringen) </div>\n<p>Since the end 2006 the unit-linked policies (beleggingsverzekeringen) received negative attention in the media and from political and regulatory sources. The criticism and scrutiny on unit-linked life insurance products led to significant compensation arrangements and product improvement programmes by Dutch insurance companies, including a.s.r. However, individual customers as well as policyholder advocate groups and their representatives continue to focus on the fees and charges included in products, alleged transparency aspects, as well as that consumers did not receive sufficient compensation based on the compensation arrangements. a.s.r. expects this to remain an issue for the industry for the foreseeable future. Exposure and attention will be stimulated by court cases. </p>\n<div class=\"header header-3\">Proceedings in which a.s.r. is involved </div>\n<p>a.s.r. is currently subject to a number of collective actions: </p><ul><li>\n<p>Vereniging Woekerpolis.nl </p></li><li>\n<p>Consumentenbond </p></li><li>\n<p>Stichting Wakkerpolis </p></li></ul>\n<p>The claims have been rejected by a.s.r. and a.s.r. defends itself in these legal proceedings. </p>\n<div class=\"header header-3\">Developments in 2023 </div>\n<p>On 26 September 2023, The Court of Appeal in The Hague stipulated (regarding the class action between Woekerpolis.nl and Aegon life and Aegon spaarkas) that there was no consent for certain costs and the level of cost and risk premium. Given the wide variety of products and product documentation, the ruling cannot be applied to the other cases and/or products from a.s.r. The ruling does not dictate compensation, nor has the Court of Appeal taken into consideration any of the compensation arrangements that customers may have received already in the past. The Court further ruled that there were no unfair terms, that sufficient warning had been given about the risks of these products and that there were no defective products. a.s.r. believes that the lack of consent on certain (level of) costs and risk premium is resolved by adopting levels that are considered fair and reasonable in compensation arrangements given in the past.\u00a0</p>\n<p>In November 2023, in order to resolve these long-lasting and historical disputes a.s.r. initiated a settlement agreement with five consumer protection organisations. The settlement is not an acknowledgement of too high costs, risk premiums and/or charges. a.s.r. also set up a leniency scheme for customers who are not affiliated with a consumer protection organisation for distressing cases that are assessed on their merits. All existing collective proceedings against a.s.r. and Aegon NL will be withdrawn once the 90% threshold has been achieved. No new (collective) proceeding will be initiated by the foundations nor their individual representatives against a.s.r. and/or Aegon NL. See <a href=\"#n1289145\" title=\"Provisions\">chapter 7.5.16</a> for details. </p>\n<p>As the settlement agreement will only become final once 90% of the affiliated customers agree to the settlement, it was necessary for Aegon life and Aegon spaarkas to file an appeal in cassation with the Supreme Court on 21 December 2023. </p>\n<p>Developments in similar cases against other Dutch insurers currently before regulators, Kifid and courts may also affect a.s.r. These matters will be defended; however, at this time, due to the nature and the type of claims, it is not practicable for a.s.r. to quantify a range or maximum liability or the timing of the financial impact, if any. There can be no assurance that such claims may not have a material adverse effect on a.s.r.\u2019s results of operations or financial position. However, with the November 2023 settlement agreement the remaining risks of a material adverse effect have been limited. </p>\n<div class=\"header header-2\">Optas </div>\n<p>In 2019 Optas had been merged into Aegon life, based on prior approval and instruction by the DNB. A limited number of policyholders opposed the merger and appealed the permission of DNB at the administrative Court. On 13 February 2023 the administrative Court granted the objections and annulled the permission granted by the DNB. The Court found that DNB should have required that all policyholders should have been individually informed in writing regarding the merger and given the possibility to oppose the merger. The Court also found that DNB should have shared all (including those marked classified and sensitive) documents relating to the permission to the objectors. Based on the Wft the legality of the merger is not affected by an administrative annulment. This has been confirmed by ruling of the civil Court in a case against Aegon life, that is now subject of a pending appeal. Though Aegon life does not expect the pending litigation at the civil Court to have a material impact, if any, there can be no assurances that these matters, will not ultimately result in a material adverse effect on a.s.r.'s business, results of operations and financial position. </p>\n<div class=\"header header-2\">Securities leasing products (\u201caandelenlease\u201d) </div>\n<p>Lawsuits have been brought against providers of securities leasing products (\u2018aandelenlease producten\u2019). Although sales of securities leasing products ended more than a decade ago, litigation relating to these products has resurfaced. In December 2020 Knab reached an agreement in principle on a settlement with Leaseproces B.V. for claims regarding Vliegwiel and Sprintplan customers represented by Leaseproces. On 4 June 2021 Aegon NL and Leaseproces B.V. announced it had finalised its agreement to settle these\u00a0claims. By the end of the response period, 99.7% of Vliegwiel customers and 94.5% of Sprintplan customers had agreed to the proposed settlement. Full performance of the agreement ended in 2022. There are still some individual claims pending at the courts and Kifid. </p>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n1285493\"><span class=\"number\">7.7.6.3 </span><span class=\"title-text\">Obligations and guarantees </span></h1>\n<p>Investment obligations for an amount of \u20ac\u00a0467 million (2022: \u20ac\u00a0366 million) have been assumed / issued for investment property. </p>\n<p>Investment obligations and guarantees for a total amount of \u20ac\u00a015 million (2022: \u20ac\u00a016 million) have been issued, for real estate development projects and the acquisition of property. Those guarantees were issued by principals for the execution of projects for the benefit of clients. </p>\n<p>In October 2017, Aegon NL sold its shares in Unirobe Mee\u00f9s Groep (UMG) for \u20ac\u00a0295 million to Aon Groep Nederland. Under the share purchase agreement between Aegon NL and the buyer, a.s.r. (after the business combination with Aegon NL) indemnifies and holds the buyer and its group (including UMG) harmless for and against any damage suffered or incurred which is the result of the Unit Linked Insurances Claims until 2027 with respect to Unit Linked Policies in the portfolio of UMG prior to 1 January 2017. The aggregate liability for a.s.r. is maximised at an amount equal to the purchase price. </p>\n<p>The sale of real estate which relates to properties that are under contract to be sold as per 31 December 2023 amounts to \u20ac\u00a087 million (2022: \u20ac\u00a0190 million). Real estate commitments represent the committed pipeline of investments in real estate projects. </p>\n<p>The Dutch guarantee fund for motorised traffic has a latent claim on all insurers offering legal liability products. In line with the advise of the guarantee fund a.s.r.'s contingent liability is \u20ac\u00a013 million (2022: \u20ac\u00a010 million). </p>\n<p>a.s.r. also had irrevocable facilities of \u20ac\u00a01.752 million (2022: \u20ac\u00a0391 million) which mainly relate to mortgage loan offers issued. Mortgage loan commitments represent undrawn mortgage loan facilities provided and outstanding proposals on mortgages. The sale of mortgage loans relates to pre-announced redemptions on mortgage loans and amounts to \u20ac\u00a018 million. </p>\n<p>The share of contingent liabilities incurred in relation to interests in joint ventures amounts to \u20ac\u00a014 million. These contingent liabilities not shown in the statement of financial position relate to investment obligations entered into by a.s.r. (for its share of approximately 50%) for real estate development projects of Amvest. </p>\n<p>Furthermore, a.s.r. has entered into private loans agreements (purchases \u20ac\u00a096 million; sales \u20ac\u00a0396 million) and private equity agreements (sales \u20ac\u00a0100 million). Other commitments mainly consist of future purchases of interests in investment funds and amounts to \u20ac\u00a0337 million. </p>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n1285515\"><span class=\"number\">7.7.6.4 </span><span class=\"title-text\">Expected future lease payments </span></h1>\n<p>The following table sets out the expected future lease payments for investment property and plants, showing the undiscounted lease payments to be received after the reporting date. </p>\n<h3 class=\"table-title\">Expected minimum future lease payments on non-cancellable investment property lease and plants </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:0%;\"/><col style=\"width:15%;\"/><col style=\"width:15%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">31 December 2023 </th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">31 December 2022 </th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">To be received within 1 year </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">37 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">33 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-right-1\" style=\"text-align:left;vertical-align:bottom;\">To be received between 1 and 2 years </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">30 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">29 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-right-1\" style=\"text-align:left;vertical-align:bottom;\">To be received between 2 and 3 years </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">25 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">25 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-right-1\" style=\"text-align:left;vertical-align:bottom;\">To be received between 3 and 4 years </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">20 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">21 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-right-1\" style=\"text-align:left;vertical-align:bottom;\">To be received between 4 and 5 years </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">15 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">17 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-right-1\" style=\"text-align:left;vertical-align:bottom;\">To be received after 5 years </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">97 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">89 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-right-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total undiscounted lease payments </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>224 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>214 </b></td></tr></tbody></table> <br/>\n<p>The investments properties, in retail, residential, offices and rural markets are leased to third parties, consisting of various lease terms in a range between shorter than one year and undetermined period with competitive rents mostly indexed to consumer prices. The plants are leased to third parties with lease terms longer than ten years. </p>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n1285537\"><span class=\"number\">7.7.6.5 </span><span class=\"title-text\">Contingent considerations in acquisitions </span></h1>\n<p>The consideration paid for Veherex by a.s.r. non-life includes a contingent consideration with a remaining fair value of \u20ac\u00a01,4 million to be paid over a remaining period of one year. </p>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfContingentLiabilitiesExplanatory",
    "language": "en",
    "entity": "scheme:7245000G0HS48PZWUD53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "ixv-787": {
   "value": "\n<h1 class=\"S_PARAGRAPH\" id=\"n1285559\"><span class=\"number\">7.7.7 </span><span class=\"title-text\">Events after the balance sheet date </span></h1>\n<p>On 1 February 2024, a.s.r. reached an agreement to sell Knab to the BAWAG Group AG for \u20ac\u00a0510 million (net asset value per 31 December 2023: \u20ac\u00a0750 million). Knab is an online bank for the self-employed and represents a.s.r.\u2019s banking sector. Closing of the transaction is expected in the second half of 2024 and is subject to approval from the relevant regulatory authorities and advice from the a.s.r. works council. An agreement was also reached to transfer the management of the servicing of mortgages on Knab\u2019s balance sheet from a.s.r. to the BAWAG Group AG in due time after closing for \u20ac\u00a080 million payable to a.s.r. </p>\n<p>In March 2024, a.s.r. issued a benchmark Euro denominated perpetual subordinated Restricted Tier 1 capital securities for an amount of \u20ac\u00a0500 million with a fixed rate coupon of 6.625% per annum. These securities will classify as other equity instruments. The purpose of the issuance of the new securities is, amongst other things, to proactively manage a.s.r.\u2019s expected redemption profile. The offer also provides for a tender whereby noteholders of a.s.r.\u2019s \u20ac\u00a0500 million fixed to fixed rate undated subordinated notes (ISIN: XS1115800655) can sell their current holdings in the notes and apply for priority in the allocation of the new securities. The aggregated nominal amount of the notes validly accepted for purchase, in accordance with the terms and subject to conditions set out in the tender offer memorandum, is \u20ac\u00a0380 million. </p>\n<p>On 20 March 2024, Aegon hypotheken closed a transaction under the Dutch SAECURE programme to sell Class A mortgage backed securities (RMBS). \u2018SAECURE 22\u2019 consisted of a principal amount of \u20ac\u00a0600 million of class A notes. </p>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfEventsAfterReportingPeriodExplanatory",
    "language": "en",
    "entity": "scheme:7245000G0HS48PZWUD53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "ixv-791": {
   "value": "8",
   "decimals": 0,
   "dimensions": {
    "concept": "ifrs-full:DividendsProposedOrDeclaredBeforeFinancialStatementsAuthorisedForIssueButNotRecognisedAsDistributionToOwners",
    "entity": "scheme:7245000G0HS48PZWUD53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00",
    "unit": "iso4217:EUR"
   }
  },
  "ixv-792": {
   "value": "\n<h1 class=\"S_PARAGRAPH\" id=\"n1288587\"><span class=\"number\">7.8.2 </span><span class=\"title-text\">Insurance risk </span></h1>\n<p>Insurance risk is the risk that future insurance claims and benefits cannot be covered by premium and / or investment income, or that insurance liabilities are not sufficient, because future expenses, claims and benefits differ from the assumptions used in determining the best estimate liability. Insurance risk manifests itself in both the Non-life and the Life portfolio. The Non-life portfolio covers the property and casualty, disability and healthcare sectors. The Life portfolio consists of funeral, individual life and pensions business. </p>\n<p>Risk-mitigating measures are used to reduce and contain the volatility of results or to decrease the possible negative impact on value as an alternative for the capital requirement. Proper pricing, underwriting, reinsurance, claims management, and diversification are the main risk mitigating actions for insurance risks. By offering a range of different insurance products, with various product benefits and contract lengths, and across Life, Disability and Health and P&amp;C insurance risk, a.s.r. reduces the likelihood that a single risk event will have a material impact on a.s.r.\u2019s financial condition. </p>\n<p>The solvency buffer is held by a.s.r. to cover the risk that claims may exceed the available insurance provisions and to ensure its solidity. The solvency position of a.s.r. is determined and continuously monitored in order to assess if a.s.r. meets the regulatory requirements. </p>\n<p>Aegon Levensverzekering (Aegon life) and Aegon Spaarkas (Aegon spaarkas) use a Partial Internal Model (PIM) to calculate the solvency position. The PIM contains Internal Models for (i) mortality risk and (ii) longevity risk. For the other risks, the Solvency II standard formula is applied. </p>\n<p>ASR Levensverzekeringen (a.s.r. life), ASR Schadeverzekeringen (a.s.r. non-life) and ASR Ziektekostenverzekeringen (a.s.r. health) use the Solvency II standard formula (SF) to calculate the solvency position. </p>\n<p>The Solvency Capital Requirement (SCR) for each insurance risk is determined as the change in own funds caused by a predetermined shock which is calibrated to a 1-in-200-year event. The basis for these calculations are the Solvency II technical provisions which are calculated as the sum of a best estimate and a risk margin. </p>\n<p>The insurance risk arising from the insurance portfolios of a.s.r. is as follows: </p>\n<h3 class=\"table-title\">Insurance risk - required capital </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:auto;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/></colgroup><thead>\n<tr style=\"border:none;\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 headrow\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-3 valign-bottom align-center border-bottom-1 border-left-1 border-right-1 colspan-2 headrow\" colspan=\"2\" scope=\"col\" style=\"text-align:center;vertical-align:bottom;border-bottom:1px solid;\"><b>31 December 2023 </b></th><th class=\"startCol-4 endCol-5 valign-bottom align-center border-bottom-1 border-left-1 border-right-1 colspan-2 headrow\" colspan=\"2\" scope=\"col\" style=\"text-align:center;vertical-align:bottom;border-bottom:1px solid;\"><b>31 December 2022 </b></th></tr>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;\"><b>(in \u20ac\u00a0million) </b></th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>SF </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>IM </b></th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>SF </b></th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>IM </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">Life insurance risk </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,807 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,013 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,313 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-right-1\" style=\"text-align:left;vertical-align:middle;\">Health insurance risk </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,508 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,243 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-middle border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:middle;\">Non-life insurance risk </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">706 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">609 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">0 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-middle align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\"><b>Total excluding diversification between insurance risks </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>4,021 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>1,013 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>3,166 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>0 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr></tbody></table><br/>\n<p>The Life insurance risk increased meanly as a result of the integration of Aegon life. Next to that the change of the SCR was the result of decreased interest rates and model changes, which largely counteracted each other. </p>\n<p>The Health and Non life insurance risk increased as a result of update of the integration of Aegon and the growth of the insured population. </p>\n<div class=\"header header-1\">Solvency II sensitivities </div>\n<p>a.s.r. has assessed the impact of various sensitivities on the solvency ratio. The sensitivities as at 31 December 2023 and 2022, expressed as impact on the group solvency ratio (in percentage points) are as follows: </p>\n<h3 class=\"table-title\">Solvency II sensitivities - insurance risks </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:0%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/></colgroup><thead>\n<tr style=\"border:none;\"><th class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-left-1 border-right-1 border-top-1 headrow\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;border-bottom:1px solid;\">Effect on: </th><th class=\"startCol-2 endCol-3 valign-bottom align-center border-bottom-1 border-left-1 border-right-1 border-top-1 colspan-2 headrow\" colspan=\"2\" scope=\"col\" style=\"text-align:center;vertical-align:bottom;border-bottom:1px solid;\">Available capital </th><th class=\"startCol-4 endCol-5 valign-bottom align-center border-bottom-1 border-left-1 border-right-1 border-top-1 colspan-2 headrow\" colspan=\"2\" scope=\"col\" style=\"text-align:center;vertical-align:bottom;border-bottom:1px solid;\">Required capital </th><th class=\"startCol-6 endCol-7 valign-bottom align-center border-bottom-1 border-left-1 border-right-1 border-top-1 colspan-2 headrow\" colspan=\"2\" scope=\"col\" style=\"text-align:center;vertical-align:bottom;border-bottom:1px solid;\">Ratio </th></tr>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-left-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;\">Type of risk (%-points) </th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">31 December 2023 </th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">31 December 2022 </th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">31 December 2023 </th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">31 December 2022 </th><th class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">31 December 2023 </th><th class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">31 December 2022 </th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Expenses +10% </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-6 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-6 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-1 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-2 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-7 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-8 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Mortality rates, all products -5% </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-5 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-3 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-1 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-5 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-4 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Lapse rates -10% </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-1 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr></tbody></table> <br/>\n<h3 class=\"table-title\">Solvency II sensitivities - explanation </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:22%;\"/><col style=\"width:0%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;\"><b>Risk </b></th><th class=\"startCol-2 endCol-2 valign-bottom border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;\"><b>Scenario </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">Expense risk </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">Measured as the impact of a 10% increase in expense levels. </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">Mortality risk </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">Measured as the impact of a 5% decrease in all mortality rates. </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">Lapse risk </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">Measured as the risk of a 10% decrease in lapse rates. </td></tr></tbody></table> <br/>\n<p>The table above shows that the SCR sensitivities in 2023 are (almost) similar to the sensitivities of 2022. The impact on the ratio is the opposite if a reversed scenario is taken into account. </p>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n1296442\"><span class=\"number\">7.8.2.1 </span><span class=\"title-text\">Life Insurance risk </span></h1>\n<p>The Life portfolio can be divided into Funeral, Individual life and Pensions. The insurance contracts are sold primarily to retail and wholesale clients through intermediaries. </p>\n<p>The products are sold as insurance products in cash or unit-linked contracts. With respect to products in cash, the investment risk is fully borne by the insurer whereas, in the case of unit-linked products, the majority of the investment risk is for the policyholder\u2019s account. </p>\n<p>The solvency capital requirement (SCR) for Life insurance risks is determined per policy for the Funeral and Life portfolio and per participant for the Pension portfolio. All shocks are applied to each policy/participant and a SCR value is only determined if applying the shock leads to a higher best estimate. </p>\n<p>The following Life insurance risks are involved: </p>\n<div class=\"header header-2\">Mortality risk </div>\n<p>Mortality risk is associated with (re)insurance obligations, such as endowment or term assurance policies, where a payment or payments are made in case of the policyholder\u2019s death during the contract term. The required capital for this risk under SF is calculated as the change in own funds of a permanent increase of mortality rates by 15% for all ages and each policy. For Aegon life and Aegon spaarkas an Internal Model is used to calculate the risk factor. </p>\n<div class=\"header header-2\">Longevity risk </div>\n<p>Longevity risk is associated with (re)insurance obligations where payments are made until the death of the policyholder and where a decrease in mortality rates results in higher technical provisions. The required capital for this risk under SF is calculated as the change in own funds of a permanent decrease of mortality rates by 20%. For Aegon life and Aegon spaarkas an Internal Model is used to calculate the risk factor. </p>\n<div class=\"header header-2\">Disability-morbidity risk </div>\n<p>Morbidity or disability risk is associated with all types of insurance compensating or reimbursing losses (e.g. loss of income, adverse changes in the best estimate of the liabilities) caused by changes in the morbidity or disability rates. Solvency II prescribes a 35% increase in disability rates for the first year, 25% for subsequent years, combined with a decrease in recovery rates of 20%. The disability-morbidity risk is calculated on policy level by increasing the experience percentage with 35% for the first year and 25% in the second. For the IBNR reserve the shock is simplified to an average of 30% for the 2-year IBNR cashflow. Because revalidation risk is very small, no shock is modelled for this risk. </p>\n<div class=\"header header-2\">Lapse risk </div>\n<p>Lapse risk is the risk of losses (or adverse changes in the best estimate of the liabilities) due to an unanticipated (higher or lower) rate of policy lapses, i.e. changes to paid-up status (cessation of premium payment) and surrenders. In general, a lapse shock is only applied if a Solvency II lapse event is actually considered possible under the conditions of the insurance contract. For instance a paid-up policy that cannot be surrendered is not taken into account. </p>\n<p>The effect of the lapse risk is equal to the highest result of a permanent increase in lapse rates of 50%, a permanent decrease in lapse rates of 50% or a mass lapse event (an instant lapse event of 40% of all policies). For the mass lapse event, the lapse risk is calculated as the maximum on policy level of a mass surrender or a mass paid-up event. </p>\n<div class=\"header header-2\">Expense risk </div>\n<p>A calculation is made of the effect on own funds of a permanent increase in costs used for determining the best estimate. It consists of an increase in the costs of 10% and an increase in the cost inflation of 1 percentage point per year. For investment costs only an increase of 10% applies, since it has been substantiated that increases due to inflation including a shock can be absorbed by the Best Estimate itself and asset management for external parties. </p>\n<div class=\"header header-2\">Life catastrophe risk </div>\n<p>Catastrophe risk arises from extreme events which are not captured in the other Life insurance risks, such as pandemics. The capital requirement for this risk is calculated as a 1.5 per mille increase in mortality rates in the first projected year for (re)insurance obligations where the increase in mortality rates leads to an increase in technical provisions. </p>\n<div class=\"header header-2\">Mortgage Loans </div>\n<p>Within the Individual life portfolio there is a group of policies directly linked to a mortgage loan ('Spaarhypotheken'). In case the mortgage loan is not provided by a.s.r., but by another party, which is the case for most of these policies, the interest that a.s.r. reimburses to the policyholder is claimed from the party that has provided the mortgage loan. This cashflow of interests from the provider of the mortgage loan to a.s.r. represents an asset. The cashflow and value of this asset depends on the cashflow of the linked savings policy. Therefore, the change in this asset value due to mortality or lapse is taken into account when determining the SCR for Life insurance risks. </p>\n<p>For Aegon life and Aegon spaarkas an Internal Model is used to calculate the risk factor. </p>\n<div class=\"header header-2\">Employee benefits </div>\n<p>a.s.r. has a number of defined benefit plans for own staff in place. These are schemes, under which staff are awarded pension benefits upon retirement, usually dependent on one or more factors such as years of service and salary. The defined benefit obligation is calculated by independent actuaries at each reporting date. Due to the acquisition of Aegon NL the ended defined benefit plan for own staff of Aegon NL was added to the defined benefit obligation per 2023. </p>\n<p>Pension obligations are calculated using the projected unit credit method. Inherent to this method is the application of actuarial assumptions to discount rates, mortality rates and consumer price indices. </p>\n<p>The assumptions are reviewed and updated at each reporting date based on available (market) data. The discount rate (31 December 2023: 3.42%) is based on the return (zero coupon rate) of high-quality corporate bonds (AA rating) and the cash flow pattern of the pension obligation. For SCR purposes, the IFRS value of the own pension contract is based on the IAS19 valuation methodology. The explanatory guidelines explain that the IAS19 valuation is consistent with Solvency II. </p>\n<p>As of 1 January 2021 a defined contribution plan is in place. The accrued pensions (until 1 January 2021) will remain guaranteed at a.s.r. life and are not transferred to the defined contribution plan. The former employees of Aegon NL were added to the defined contribution plan as of 1 October 2023. </p>\n<div class=\"header header-2\">Other information </div>\n<p>Within a.s.r. life the longevity risk is dominant and arises from group pension business and individual annuities. The longevity risk is partly offset by mortality risk that arises from the funeral portfolio and individual policies with mortality. The other main risks a.s.r. life is exposed to are expense risk and lapse risk. </p>\n<p>For the Life portfolio, the provision at year-end (provided figures are without reductions resulting from reinsurance contracts) can be broken down as follows under Solvency II: </p>\n<h3 class=\"table-title\">Life portfolio - technical provisions per segment </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:0%;\"/><col style=\"width:14%;\"/><col style=\"width:14%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>31 December 2023 </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>31 December 2022 </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Insurance with profit participation </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Best estimate </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">23,238 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">10,573 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Risk margin </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">950 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">589 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Technical provision </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>24,188 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>11,162 </b></td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Other life insurance </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Best estimate </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">28,426 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">12,859 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Risk margin </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1,040 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">580 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Technical provision </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>29,466 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>13,439 </b></td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Index-linked and unit-linked insurance </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Best estimate </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">34,677 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">10,173 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Risk margin </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">600 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">62 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Technical provision </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>35,277 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>10,235 </b></td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Best estimate </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">86,341 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">33,604 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Risk margin </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,589 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,231 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Technical provision </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>88,930 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>34,836 </b></td></tr></tbody></table> <br/>\n<p>In 2023 the technical provision increased with \u20ac\u00a054,094 million. This was mainly caused by the integration of Aegon. </p>\n<h1 class=\"S_SUBSUBPARAGRAPH\" id=\"n1296443\"><span class=\"number\">7.8.2.1.1 </span><span class=\"title-text\">Managing Life insurance risk </span></h1>\n<p>Life insurance risk is mitigated by pricing, underwriting policies and reinsurance. </p>\n<p>Pricing is based on profit capacity calculations. A calculation is made of the price required to cover the insurance liabilities, expenses and risks. </p>\n<p>Underwriting policies describe the types of risks and the extent of risk a.s.r. is willing to accept. Policyholders may be subjected to medical screening for both Individual life and Funeral insurance. </p>\n<div class=\"header header-2\">Reinsurance </div>\n<p>Reinsurance and other risk-mitigating measures are used to reduce the volatility of results or to decrease the possible negative impact on value as an alternative to the capital requirement. Reinsurance arrangements have been set up to mitigate the effects of catastrophes on earnings. </p>\n<p>The level of retention in different reinsurance contracts is aligned with the size and the risk profile of the underlying portfolios. This includes taking account of the cost of reinsurance on the one hand, and the risk that is retained on the other. </p>\n<p>In order to optimise its balance sheet risks, a.s.r. entered into a reinsurance agreement with Legal and General Re in 2015. The share of Legal and General Re is on behalf of a specific buy-out portfolio. The total share of the reinsurances for a.s.r. amounts to \u20ac\u00a0120 million per 31 December 2023. </p>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n1296444\"><span class=\"number\">7.8.2.2 </span><span class=\"title-text\">Health insurance risk and Non-life insurance risk </span></h1>\n<h1 class=\"S_SUBSUBPARAGRAPH\" id=\"n1296445\"><span class=\"number\">7.8.2.2.1 </span><span class=\"title-text\">Health insurance risk </span></h1>\n<p>The Health insurance portfolio of a.s.r. is diverse. The portfolio can be divided into two main product types: </p><ul><li>\n<p>SLT Health portfolio (Similar to Life Techniques) Income Protection, which can be divided into: </p><ul><li>\n<p>Individual Disability (Zelfstandigen) </p></li><li>\n<p>Group Disability (WIA) </p></li><li>\n<p>Premium waiver in case of disability (PVI) </p></li></ul></li><li>\n<p>NSLT Health portfolio (Not Similar to Life Techniques), which can be divided into: </p><ul><li>\n<p>Income Protection (Sickness, and Individual and Group Accident) </p></li><li>\n<p>Medical Expenses (Basic and Supplementary) </p></li></ul></li></ul>\n<p>The insurance contracts are sold primarily to retail and wholesale clients through intermediaries. </p>\n<p>The Health insurance portfolio of a.s.r. contains the following insurance risks: </p><ul><li>\n<p>SLT Health risk </p><ul><li>\n<p>This risk is applicable to the SLT Health portfolio. The calculation is scenario-based, according to the standard formula. </p></li></ul></li><li>\n<p>NSLT Health risk </p><ul><li>\n<p>This risk is applicable to the NSLT Health portfolio. The calculation is factor-based. The risk is calculated similarly to the Non-life insurance risk. </p></li></ul></li><li>\n<p>Health Catastrophe risk </p><ul><li>\n<p>This risk is applicable to the entire Health portfolio. The calculation is scenario-based. </p></li></ul></li></ul>\n<div class=\"header header-2\">SLT Health Risk </div>\n<div class=\"header header-3\">Mortality risk </div>\n<p>Mortality risk is associated with (re)insurance obligations where payments are made upon the death of the policyholder and where an increase in mortality rates results in higher technical provisions. The required capital is calculated as the change in own funds of a permanent 15% increase in mortality rates. The increase in mortality rates is applied to portfolios where payments are contingent on mortality risk. The increase in mortality rates leads to an increase of the own funds. Therefore the mortality risk is zero for the Health portfolio. </p>\n<div class=\"header header-3\">Longevity risk </div>\n<p>Longevity risk is associated with (re)insurance obligations where payments are made until the death of the policyholder and where a decrease in mortality rates results in higher technical provisions. The required capital is calculated as the change in own funds of a permanent 20% decrease in mortality rates. The decrease in mortality rates is applied to portfolios where payments are contingent on longevity risk. </p>\n<div class=\"header header-3\">Disability-morbidity risk </div>\n<p>Morbidity or disability risk is the main risk to the SLT Health portfolio. The scenario analysis consists of a 35% increase in disability rates for the first year, 25% for subsequent years, combined with a decrease in revalidation rates of 20%. </p>\n<div class=\"header header-3\">Expense risk </div>\n<p>A calculation is made of the effect of a permanent increase in costs, which is used for determining the best estimate. The scenario analysis contains an increase in the costs of 10% and an increase in the cost inflation of 1 percentage point per year. </p>\n<div class=\"header header-3\">Revision risk </div>\n<p>The revision risk is the risk that a higher benefit is caused by either inflation or a revision of the disability percentage. Benefits that are sensitive to inflation and / or an increase in the disability percentage will be increased by 4%. </p>\n<div class=\"header header-3\">Lapse risk </div>\n<p>Lapse risk is the risk of losses (or adverse changes in the best estimate of the liabilities) due to an unanticipated (higher or lower) rate of policy lapses, terminations, changes to paid-up status (cessation of premium payment) and surrenders. The effect of the lapse risk is equal to the highest result of a permanent 50% increase in lapse rates, a permanent 50% decrease in lapse rates or a mass lapse event (40% mass lapse). For the SLT Health portfolio, the mass lapse event is dominant. </p>\n<div class=\"header header-3\">Future management action </div>\n<p>According to the insurance conditions, a.s.r. non-life has the ability to adjust the premiums and insurance conditions group wise in the future for the disability portfolio. Therefore, the contract boundary of the disability contracts without an individual risk assessment at acceptance is equal to the contract term. For contracts with an individual risk assessment at acceptance, the contract boundary is equal to the end age, because the contracts will be tacitly renewed until the end age is reached, without repeating the risk assessment. These contracts with an individual risk assessment involve the Individual Self-employed and the Individual Employees portfolio\u2019s. For these portfolio\u2019s, a.s.r. non-life applies a future management action (FMA), as noted in article 23 of the Delegated Acts. The trigger, as defined in the FMA, is hit in the Income Protection Disability-Morbidity Risk (article 156 DA) scenario. </p>\n<p>With the inclusion of the Aegon portfolio in the non-life insurance entity, future management actions are applied to both the a.s.r. and Aegon portfolio according to previously used definitions for the specific portfolios. </p>\n<p>For a number of Loyalis products within the group disability portfolio, it is determined annually whether the insured amounts are indexed. For the majority of the portfolio, there is a conditional indexation based on a (discretionary) management decision, based among other things on interest result. In a financially unfavourable year, there is the possibility of not paying out indexation, which is a FMA as noted in article 23 of the Delegated Acts. </p>\n<div class=\"header header-2\">NSLT Health Risk </div>\n<div class=\"header header-3\">NSLT Premium and reserve risk </div>\n<p>The premium risk is the risk that the premium is not adequate for the underwritten risk. The premium risk is calculated over the maximum of the expected earned premium of the next year, and the earned premium of the current year. The reserve risk is the risk that the current reserves are insufficient to cover their run-off over a 12 month time horizon. </p>\n<p>The NSLT Premium and reserve risk can be split into the following insurance risks: </p><ul><li>\n<p>Medical Expense </p><ul><li>\n<p>A health catastrophe for the NSLT Health portfolio is an unexpected future event with a duration of one year. The risk is determined ultimo year. The amount of catastrophe risk is apparent from the number of insured and parameters for mass accident scenario and pandemic scenario that have been approved by DNB in consultation with Health Insurers Netherlands. Accident concentration is not applicable for NSLT Health. The catastrophe risk has a projection of one year (T) following from the contract boundary of one year in accordance with the Dutch Health Insurance Act. After year T the risk is \u2018zero\u2019. Catastrophe risk for a.s.r. health supplementary equals zero because these contracts have a maximum compensation for claims. </p></li></ul></li><li>\n<p>Income Protection </p><ul><li>\n<p>This component is calculated for policies for which an increase in mortality rates or morbidity rates or disability rates leads to an increase in the best estimate. There are three scenarios, which are calculated for all NSLT Health and portfolios. </p></li></ul></li></ul>\n<div class=\"header header-3\">NSLT lapse risk </div>\n<p>The basic and additional health insurance are compulsory insurance contracts for one year without intermediate possibility of termination and therefore lapse risk is negligible for the basic health insurance. </p>\n<div class=\"header header-2\">Health catastrophe risk </div>\n<div class=\"header header-3\">Mass accident scenario </div>\n<p>In this scenario, an accident takes place during a major public event. The risk is that 10% of the attendees are killed, 3.5% are permanently disabled, 16.5% are disabled for 12 months and 30% need medical attention. </p>\n<div class=\"header header-3\">Accident concentration scenario </div>\n<p>In this scenario, an accident takes place on site, with the most of our insured at the same location. The risk is that 10% of those present are killed, 3.5% are permanently disabled, 16.5% are disabled for 12 months and 30% need medical attention. </p>\n<div class=\"header header-3\">Pandemic scenario </div>\n<p>In this scenario, there is a pandemic, which causes 1% of those affected to be hospitalised and 20% to see a local practitioner. </p>\n<h3 class=\"table-title\">Health insurance risk - required capital </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:0%;\"/><col style=\"width:15%;\"/><col style=\"width:15%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>31 December 2023 </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>31 December 2022 </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Health SLT </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1,187 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">964 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Health Non-SLT </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">472 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">404 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Catastrophe Risk (subtotal) </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">88 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">83 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Diversification (negative) </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-239 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-208 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Health (Total) </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>1,508 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>1,243 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Mortality risk </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Longevity risk </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">66 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">52 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Disability-morbidity risk </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">985 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">779 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Expense risk </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">145 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">135 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Revision risk </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">276 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">205 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Lapse risk </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">295 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">270 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Diversification (negative) </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-581 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-478 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Health SLT (subtotal) </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>1,187 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>964 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Medical expenses insurance and proportional reinsurance </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">162 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">155 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Income protection insurance and proportional reinsurance </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">370 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">303 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Diversification (negative) </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-60 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-55 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Health Non-SLT (subtotal) </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>472 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>404 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Mass accident risk </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">27 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">28 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Accident concentration risk </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">75 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">66 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Pandemic risk </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">37 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">41 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Diversification (negative) </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-51 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-53 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Catastrophe risk (subtotal) </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>88 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>83 </b></td></tr></tbody></table> <br/>\n<p>The SCR for the Health Non-SLT risk differs from the sum of the amounts reported in the OTSO QRTs. This difference is caused due to a diversification benefit on group level. </p>\n<p>For the SLT Health portfolio, the provision at year-end can be broken down as follows under Solvency II. </p>\n<h3 class=\"table-title\">SLT Health portfolio - technical provisions per segment </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:0%;\"/><col style=\"width:15%;\"/><col style=\"width:15%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>31 December 2023 </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>31 December 2022 </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Best estimate </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">4,657 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">3,389 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Risk margin </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">584 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">371 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Technical provision </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>5,241 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>3,760 </b></td></tr></tbody></table> <br/>\n<p>For the NSLT Health portfolio, the provision at year-end can be broken down as follows under Solvency II. </p>\n<h3 class=\"table-title\">NSLT Health portfolio - technical provisions per segment </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:0%;\"/><col style=\"width:15%;\"/><col style=\"width:15%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>31 December 2023 </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>31 December 2022 </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Best estimate </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">612 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">526 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Risk margin </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">61 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">54 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Technical provision </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>673 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>579 </b></td></tr></tbody></table> <br/>\n<h1 class=\"S_SUBSUBPARAGRAPH\" id=\"n1296446\"><span class=\"number\">7.8.2.2.2 </span><span class=\"title-text\">Non-life insurance risk </span></h1>\n<p>Non-life Insurance risk can be broken down into: </p><ul><li>\n<p>Premium and reserve risk </p></li><li>\n<p>Non-life catastrophe risk </p></li><li>\n<p>Lapse risk </p></li></ul>\n<div class=\"header header-2\">Premium- and reserve risk </div>\n<p>The premium- and reserve risk is derived at the level of a legal entity based on the standard model. The premium- and reserve risk is the risk that the premium respectively the reserve is not adequate for the underwritten risk. The reserve risk is associated with historical years, and the premium risk is associated with the future year(s). The premium risk is calculated over the maximum of the expected earned premium for the next year and the earned premium for the current year. For the calculation of the premium- and reserve risk, several input data and parameters are necessary, as described in the standard model. The geographical spread, when a (re)insurer underwrites products in different countries, is not relevant for a.s.r. non-life as there is no material exposure outside the Netherlands. </p>\n<div class=\"header header-2\">Non-life Catastrophe Risk Module </div>\n<p>Catastrophe risk is defined as the risk of loss or adverse change in the value of insurance liabilities, resulting from significant uncertainty of pricing and provisioning assumptions related to extreme or exceptional events. The Non-life SCR Catastrophic Risk Module used, consists of natural catastrophe risk (Windstorm and Hail), man-made catastrophe risk (Fire, Motor and Liability) and other Non-life catastrophe risk. The Non-life Catastrophe Risk Module is derived at the level of a legal entity based on the standard model. </p>\n<div class=\"header header-2\">Lapse risk </div>\n<p>The lapse risk is the loss in basic own funds caused by the discontinuance of 40% of the policies for which discontinuation would result in an increase of technical provisions (without the risk margin). The calculation is based on the type of discontinuance which most negatively affects the basic own funds, which is for Non-life immediately termination of the policy. </p>\n<p>Below table summarises the required capital for abovementioned Non-life insurance risks based on the standard model. </p>\n<h3 class=\"table-title\">Non-life insurance risk - required capital </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:0%;\"/><col style=\"width:15%;\"/><col style=\"width:14%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>31 December 2023 </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>31 December 2022 </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Premium and reserve risk </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">640 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">548 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Lapse risk </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">51 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">52 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Catastrophe risk </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">175 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">159 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Diversification (negative) </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-160 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-149 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Non-life insurance risk </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>706 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>609 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Natural catastrophe risk </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">148 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">132 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Man-made catastrophe risk </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">91 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">86 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Other non-life catastrophe risk </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">20 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">20 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Diversification (negative) </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-85 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-79 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Catastrophe risk (subtotal) </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>175 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>159 </b></td></tr></tbody></table> <br/>\n<p>For the Non-life portfolio, the provision at year-end can be broken down as follows under Solvency II: </p>\n<h3 class=\"table-title\">Non-life portfolio - technical provisions per segment </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:0%;\"/><col style=\"width:15%;\"/><col style=\"width:14%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>31 December 2023 </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>31 December 2022 </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Best estimate </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1,802 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,479 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Risk margin </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">105 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">88 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Technical provision </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>1,907 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>1,567 </b></td></tr></tbody></table> <br/>\n<h1 class=\"S_SUBSUBPARAGRAPH\" id=\"n1296447\"><span class=\"number\">7.8.2.2.3 </span><span class=\"title-text\">Managing Health and Non-life insurance risk </span></h1>\n<p>Health and Non-life insurance risk is managed by monitoring claims frequency, the size of claims, inflation, handling time, benefit and claims handling costs, and biometrical risks (disability, recovery, illness, death). Concentration risk also qualifies as an insurance risk. </p>\n<p>In recent years, measures have been taken to improve profitability and reduce risk. Examples are: premium increases, stricter acceptance criteria, shorter claims filing terms and making use of the claims reassessment arrangement between the Dutch Association of insurers and social security institute UWV. Effects are being monitored closely and assessed to be effective. </p>\n<div class=\"header header-2\">Claims frequency, size of claim and inflation </div>\n<p>To mitigate the risk of claims, a.s.r. bases its underwriting policy on claims history and risk models. The policy is applied to each client segment and to each type of activity. In order to limit claims and / or ensure that prices are adjusted correctly, the acceptance policy is continually refined using a number of indicators and statistical analyses. The product lines also use knowledge or expectations with respect to future trends to estimate the frequency, size and inflation of claims. The risk of unexpected major damage claims is contained by policy limits, the concentration of risk management and specific risk transfer contracts (e.g. reinsurance). </p>\n<div class=\"header header-2\">Handling time </div>\n<p>The time required for handling and settling claims is an important factor. The settlement of claims that have a long handling time, such as liability claims, can take many years. Analyses are performed regularly and based on a.s.r.\u2019s experience in similar cases, historical trends \u2013 such as the pattern of liabilities \u2013 increases in risk exposure, payment of damages, the scale of current and not yet settled damage claims, court rulings and economic conditions. </p>\n<div class=\"header header-2\">Benefit and claims handling costs </div>\n<p>Taking estimated future inflation into account, benefit and claims handling costs are managed based on regular reviews and related actions. </p>\n<div class=\"header header-2\">Disability risk </div>\n<p>Disability risk is controlled by means of regular evaluation of historical claims patterns, expected future developments and price adjustments. Disability risk is mitigated by a.s.r. through underwriting criteria and a proactive reintegration policy. a.s.r. non-life ended the mitigation of its disability risk through reinsurance in 2023. Only for Aegon there is a limited amount of active reinsurance. </p>\n<div class=\"header header-2\">Concentration risk </div>\n<p>Geographically, the risk exposure of a.s.r. on its health and Non-life portfolio is almost entirely concentrated in the Netherlands. Concentration of insurance risks is particularly prevalent in the fire risk portfolio (i.e. home and content, with storm and flood risk forming the most important factor). Storm and flood risk is managed by means of suitable reinsurance (see also \u2018Reinsurance\u2019). </p>\n<p>There is also a concentration of risk in group disability schemes. Group disability contracts are underwritten within the scope of disability cover for employees in the Netherlands (WIA). </p>\n<div class=\"header header-2\">Reinsurance </div>\n<p>When deemed effective in terms of capital relief versus costs incurred, a.s.r. enters into reinsurance agreements to mitigate Non-life insurance risks. Reinsurance can be taken out for each separate claim (per risk), for the accumulation of claims due to natural disasters or to human actions (per event), or for both these risks. </p>\n<p>The level of retention in the various reinsurance contracts is aligned with the size and the risk profile of the underlying portfolios, taking into account of the cost of reinsurance on the one hand, and the risk that is retained on the other. </p>\n<h1 class=\"S_PARAGRAPH\" id=\"n1287987\"><span class=\"number\">7.8.3 </span><span class=\"title-text\">Market risk </span></h1>\n<p>Market risk is the risk of potential losses due to adverse movements in financial market variables. Exposure to market risk is measured by the impact of movements in financial variables such as equity prices, interest rates and property prices. </p>\n<p>The various types of market risk which are discussed in this section, are: </p><ul><li>\n<p>interest rate risk (including interest rate volatility risk) </p></li><li>\n<p>equity risk (including equity volatility risk) </p></li><li>\n<p>property risk </p></li><li>\n<p>currency risk </p></li><li>\n<p>spread risk </p></li><li>\n<p>concentration risk </p></li></ul>\n<p>Aegon life and Aegon spaarkas use a Partial Internal Model (PIM) to calculate the solvency position. The PIM contains separate modules for (i) interest rate risk, (ii) equity risk, (iii) property risk and (iv) spread risk. For the other risks, the Solvency II standard formula is applied. a.s.r. life, a.s.r. non-life and a.s.r. health use the Solvency II standard formula to calculate the solvency position. The total market risk is therefore the sum of the SF and IM. </p>\n<p>The main market risks of a.s.r. are interest rate, equity, property and spread risk. The total market risk amounted to \u20ac\u00a04,891 million per year-end 2023 of which \u20ac\u00a03,086 million is based on SF and \u20ac\u00a01,805 based on IM including Deterministic Adjustment (DA) (2022: \u20ac\u00a02,481 million fully based on SF). The increase of \u20ac\u00a02,321 million, is mainly the result of the acquisition of Aegon NL combined with higher equity prices. </p>\n<p>a.s.r. accepts and manages market risk for the benefit of its customers and other stakeholders. a.s.r.\u2019s risk management and control systems are designed to ensure that these market risks are managed effectively and efficiently, aligned with the risk appetite for the different types of market risks. Market risk reports are submitted to either FRC or RCC at least once a month. In these reports different types of market risks are monitored and tested against the limits according to the financial risk policies. </p>\n<p>The value of investment funds at year-end 2023 was \u20ac\u00a08,250 million (2022: \u20ac\u00a06,823 million). a.s.r. applies the look through approach for investment funds to assess the market risk. </p>\n<p>As part of PIM the DA is identified for Aegon life to mitigate volatility caused by the basis risk between (i) the EIOPA VA reference portfolio and (ii) the asset portfolio of Aegon life. The value of the DA at year-end 2023 was \u20ac\u00a088 million. Note that the DA is not included in the required capital for market risks when determining the diversification between risks. In the presented figures the DA is included in the market risk. </p>\n<p>The diversification effect shows the effect of having a well-diversified investment portfolio. </p>\n<div class=\"header header-2\">Solvency II sensitivities </div>\n<p>The Solvency II SCR is a Value at Risk-measure. Therefore, Solvency II ratio sensitivities are disclosed as the alternative analysis, instead of IFRS sensitivities, as permitted by IFRS. The sensitivities of the solvency ratio as at 31 December 2023, expressed as the impact on the group solvency ratio (in percentage points) are as presented in the table below. The total impact is split between the impact on the solvency ratio related to movement in the available capital and the required capital. The sensitivities are based on the situation per 31 December 2023 and include Financial Institutions. </p>\n<h3 class=\"table-title\">Solvency II sensitivities - market risks </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:auto;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/></colgroup><thead>\n<tr style=\"border:none;\"><th class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-left-1 border-right-1 border-top-1 headrow\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;border-bottom:1px solid;\">Effect on: </th><th class=\"startCol-2 endCol-3 valign-bottom align-center border-bottom-1 border-left-1 border-right-1 border-top-1 colspan-2 headrow\" colspan=\"2\" scope=\"col\" style=\"text-align:center;vertical-align:bottom;border-bottom:1px solid;\">Available capital </th><th class=\"startCol-4 endCol-5 valign-bottom align-center border-bottom-1 border-left-1 border-right-1 border-top-1 colspan-2 headrow\" colspan=\"2\" scope=\"col\" style=\"text-align:center;vertical-align:bottom;border-bottom:1px solid;\">Required capital </th><th class=\"startCol-6 endCol-7 valign-bottom align-center border-bottom-1 border-left-1 border-right-1 border-top-1 colspan-2 headrow\" colspan=\"2\" scope=\"col\" style=\"text-align:center;vertical-align:bottom;border-bottom:1px solid;\">Ratio </th></tr>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-left-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;\">Scenario (%-point) </th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">31 December 2023 </th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">31 December 2022 </th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">31 December 2023 </th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">31 December 2022 </th><th class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">31 December 2023 </th><th class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">31 December 2022 </th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">UFR 3.2% </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-4 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-4 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-4 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-4 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Interest rate +0.5% (incl. UFR 3.45% for 2023 and 2022) </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-2 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-2 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">+3 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">+1 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-1 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Interest rate -0.5% (incl. UFR 3.45% for 2023 and 2022) </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">+2 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">+1 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-4 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-7 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-2 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-6 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Interest steepening +10 bps </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-1 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-1 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-1 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Volatility Adjustment -10bp </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-10 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-7 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">+6 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-3 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-5 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-10 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Government spread + 50 bps / VA +10 bps (2022: VA: +10 bps) </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-5 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-3 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">+3 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-2 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-3 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Mortgage spread +50 bps </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-10 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-8 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">+3 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-7 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-7 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Equity prices -20% </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-7 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-11 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">+8 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">+14 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">+1 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">+3 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Property values -10% </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-10 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-10 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">+2 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">+4 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-8 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-6 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Spread +75bps/ VA +17bps (2022: VA +18bps) </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">+14 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">+10 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-7 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">+1 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">+7 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">+11 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Inflation +30 bps </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-1 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-2 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-2 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-2 </td></tr></tbody></table> <br/>\n<h3 class=\"table-title\">Solvency II sensitivities - explanation </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:29%;\"/><col style=\"width:71%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;\"><b>Risk </b></th><th class=\"startCol-2 endCol-2 valign-bottom border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;\"><b>Scenario </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">Interest rate risk - UFR 3.2% </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">Measured as the impact of a lower UFR. For the valuation of liabilities, the extrapolation to the UFR of 3.2% after the last liquid point of 20 years remained unchanged. The impact on available capital, required capital and ratio relates to a comparison with a solvency ratio measured at a UFR of 3.45% for 2023 and 2022. </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">Interest rate risk (incl. UFR 3.45%) </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">Measured as the impact of a parallel 0.5% upward and downward movement of the interest rates. For the liabilities, the extrapolation to the UFR (3.45% for both 2023 and 2022) after the last liquid point of 20 years remained unchanged. </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">Interest steepening </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">Measured as the impact of a linear steepening of the interest rate curve between 20Y and 30Y of 1 bps to 10 bps. </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">Volatility Adjustment </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">Measured as the impact of a 10 bps decrease in the Volatility Adjustment. </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">Government spread </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">Measured as the impact of an increase of spread on Government bonds of 50 bps. At the same it is assumed that the Volatility Adjustment will increase by 10 bps (2022: +10 bps). </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">Mortgage spread </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">Measured as the impact of a 50 bps increase of spreads on mortgages. </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">Equity risk </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">Measured as the impact of a 20% downward movement in equity prices. </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">Property risk </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">Measured as the impact of a 10% downward movement in the market value of real estate. </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">Spread risk (including impact of spread movement on VA) </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">Measured as the impact of an increase of spread on loans and corporate bonds of 75 bps. At the same time, it is assumed that the Volatility Adjustment will increase by 17 bps (2022: +18bps) based on reference portfolio. </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">Inflation risk </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">Measured as the impact of a 30 bps parallel increase of the inflation rates (EUSWI-curve). The extrapolation of the UFI remains unchanged. </td></tr></tbody></table> <br/>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n1288017\"><span class=\"number\">7.8.3.1 </span><span class=\"title-text\">Interest rate risk </span></h1>\n<p>Interest rate risk is the risk that the value of assets or liabilities will change due to fluctuations in interest rates. a.s.r. is exposed to interest rate risk, as both its assets and liabilities are sensitive to movements in long- and short-term interest rates. Insurance products are exposed to interest rate risk. Especially the life insurance products are long-term and therefore particularly sensitive to interest rate risk. The interest rate risk of insurance products depends, besides the term to maturity, on interest rate guarantees and profit-sharing features. Where applicable Knab and Aegon hypotheken prefer to hedge the risk to the extent possible. </p>\n<p>Interest rate risk is managed by aligning fixed-income investments to the profile of the liabilities. Among other instruments, swaptions and interest rate swaps are used for hedging the specific interest rate risk arising from interest rate guarantees and profitsharing features in life insurance products. An interest rate risk policy is in place for a.s.r. as well as for the registered insurance companies. Interest rate risk reports are submitted to either FRC or RCC at least once a month. In these reports the interest rate risk is monitored and tested against the limits according to the financial risk policies. </p>\n<p>The required capital for interest rate risk is determined by calculating the impact on the available capital due to changes in the yield curve. </p>\n<p>The Solvency II SF interest rate risk is the maximum loss of (i) an upward shock and (ii) a downward shock of the yield curve. </p><ul><li>\n<p>The used shocks vary by maturity and the absolute shocks are higher for shorter maturities (descending: 75% to 20% and ascending: -70% to -20%): </p></li><li>\n<p>The yield curve up shock contains a minimum shock of 100bps; </p></li><li>\n<p>The yield curve down shock is zero in case the yield curve is negative; </p></li><li>\n<p>The yield curves of all currencies are shocked simultaneously. </p></li><li>\n<p>All adjustments (credit spread, volatility adjustment) on the yield curve are considered constant. </p></li><li>\n<p>The yield curve is extrapolated to the UFR. The yield curve after shock is not extrapolated again to the UFR. </p></li></ul>\n<p>The Solvency II IM for interest rate risks differ from the standard formula results for the following reasons: </p><ul><li>\n<p>The Solvency II PIM interest rate curve shocks are calibrated based on historical market data; </p></li><li>\n<p>The Solvency II PIM assumes that the UFR does not change in a shock scenario, while the standard formula interest rate shock assumes that the whole curve moves, including the UFR; and </p></li><li>\n<p>In addition, the Solvency II PIM includes a capital requirement for interest rate volatility risk. </p></li></ul>\n<p>a.s.r. has assessed various scenarios to determine the sensitivity to interest rate risk. The impact on the solvency ratio is calculated by determining the difference in the change in available and required capital and include Financial Institutions<sup class=\"footnote cShowTooltip\" title=\"As of 2023 a.s.r. reports a Solvency II ratio including Financial Institutions. The 2022 figures have been restated accordingly.\">1</sup>. </p>\n<h3 class=\"table-title\">Solvency II sensitivities - interest rate </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:auto;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/></colgroup><thead>\n<tr style=\"border:none;\"><th class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-left-1 border-right-1 border-top-1 headrow\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;border-bottom:1px solid;\">Effect on: </th><th class=\"startCol-2 endCol-3 valign-bottom align-center border-bottom-1 border-left-1 border-right-1 border-top-1 colspan-2 headrow\" colspan=\"2\" scope=\"col\" style=\"text-align:center;vertical-align:bottom;border-bottom:1px solid;\">Available capital </th><th class=\"startCol-4 endCol-5 valign-bottom align-center border-bottom-1 border-left-1 border-right-1 border-top-1 colspan-2 headrow\" colspan=\"2\" scope=\"col\" style=\"text-align:center;vertical-align:bottom;border-bottom:1px solid;\">Required capital </th><th class=\"startCol-6 endCol-7 valign-bottom align-center border-bottom-1 border-left-1 border-right-1 border-top-1 colspan-2 headrow\" colspan=\"2\" scope=\"col\" style=\"text-align:center;vertical-align:bottom;border-bottom:1px solid;\">Ratio </th></tr>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-left-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;\">Scenario (%-point) </th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">31 December 2023 </th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">31 December 2022 </th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">31 December 2023 </th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">31 December 2022 </th><th class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">31 December 2023 </th><th class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">31 December 2022 </th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">UFR 3.2% </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-4 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-4 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-4 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-4 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Interest rate +0,5% (incl. UFR 3.45%) </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-2 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-2 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">+3 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">+1 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-1 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Interest rate -0.5% (incl. UFR 3.45%) </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">+2 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">+1 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-4 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-7 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-2 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-6 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Interest steepening +10 bps </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-1 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-1 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-1 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Volatility Adjustment -10bp </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-10 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-7 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">+6 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-3 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-5 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-10 </td></tr></tbody></table> <br/>\n<p>The interest rate sensitivity decreased compared to previous year. </p><ol class=\"footnotes\"><li>As of 2023 a.s.r. reports a Solvency II ratio including Financial Institutions. The 2022 figures have been restated accordingly. </li></ol>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n1288047\"><span class=\"number\">7.8.3.2 </span><span class=\"title-text\">Equity risk </span></h1>\n<p>The equity risk takes into account the risk arising from the sensitivity of the values of assets, liabilities and financial instruments to changes in the level or in the volatility of market prices of equities. Exposure to equity markets exists in both assets and liabilities. Asset exposure exists through direct equity investments. In order to maintain a good understanding of the actual equity risk, a.s.r. applies the look-through approach for investment funds to assess the equity risk. The equity risk of insurance products depends on guarantees and profit-sharing features. </p>\n<p>The Solvency II SF equity risk is determined by calculating the impact on the available capital due to an immediate drop in equity prices. </p><ul><li>\n<p>Equities listed in regulated markets in countries in the EEA or OECD are shocked by 39% together with the symmetric adjustment (type I). </p></li><li>\n<p>Equities in countries that are not members of the EEA or OECD, unlisted equities, alternative investments, or investment funds in which the look-through principle is not possible, are shocked by 49% together with the symmetric adjustment (type II). </p></li><li>\n<p>Investments of a strategic nature are shocked by 22%. </p></li><li>\n<p>The equity capital of the renewable investments qualifying as an infrastructure investment (e.g. wind farm Wieringermeer) is shocked by 30% together with the symmetric adjustment. </p></li></ul>\n<p>The Solvency II IM includes an equity shock, which differs from the standard formula shock: </p><ul><li>\n<p>Equity risk shocks are calibrated based on Aegon life\u2019s own portfolio. </p></li><li>\n<p>The equity exposures are also shocked for equity volatility risks. </p></li></ul>\n<h3 class=\"table-title\">Solvency II sensitivities - equity prices<sup class=\"footnote cShowTooltip\" title=\"Sensitivities include Financial Institutions.\">1 </sup></h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:auto;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/></colgroup><thead>\n<tr style=\"border:none;\"><th class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-left-1 border-right-1 border-top-1 headrow\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;border-bottom:1px solid;\">Effect on: </th><th class=\"startCol-2 endCol-3 valign-bottom align-center border-bottom-1 border-left-1 border-right-1 border-top-1 colspan-2 headrow\" colspan=\"2\" scope=\"col\" style=\"text-align:center;vertical-align:bottom;border-bottom:1px solid;\">Available capital </th><th class=\"startCol-4 endCol-5 valign-bottom align-center border-bottom-1 border-left-1 border-right-1 border-top-1 colspan-2 headrow\" colspan=\"2\" scope=\"col\" style=\"text-align:center;vertical-align:bottom;border-bottom:1px solid;\">Required capital </th><th class=\"startCol-6 endCol-7 valign-bottom align-center border-bottom-1 border-left-1 border-right-1 border-top-1 colspan-2 headrow\" colspan=\"2\" scope=\"col\" style=\"text-align:center;vertical-align:bottom;border-bottom:1px solid;\">Ratio </th></tr>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-left-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;\">Scenario (%-point) </th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">31 December 2023 </th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">31 December 2022 </th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">31 December 2023 </th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">31 December 2022 </th><th class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">31 December 2023 </th><th class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">31 December 2022 </th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Equity prices -20% </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">-7 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">-11 </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">+8 </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">+14 </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">+1 </td><td class=\"startCol-7 endCol-7 valign-middle align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">+3 </td></tr></tbody></table><ol class=\"footnotes width-50\"><li> Sensitivities include Financial Institutions. </li></ol> <br/>\n<div class=\"header header-2\">Composition of equity portfolio </div>\n<p>The total fair value of equities and similar investments at year-end 2023 was \u20ac\u00a03,738 million (2022: \u20ac\u00a02,604 million). The increase in 2023 was mainly due to the acquisition of Aegon NL. Please note that the total fair value of equities and similar investments referred to in this section does not include \"Assets held for index-linked and unit-linked contracts\". Although the risks of these assets are primarily for the policyholders, guarantees within certain products may transfer some of the risk to a.s.r. </p>\n<p>The equities are diversified across the Netherlands (including participating interests), other European countries and the United States. A limited part of the portfolio consists of investments in emerging markets and alternatives. A portfolio of options with a value of \u20ac\u00a030 million is in place to mitigate the equity risk. </p>\n<p>The table below shows the exposure of the equity portfolio to different categories. The total value is including the equities in externally managed funds. The category Other contains the investments of ASR infrastructure Renewables (AIR) in windmill - and solarparks which are in scope of 'Qualifying infrastructure equities other than corporate' (\u20ac\u00a0190 million). </p>\n<p>Please note that the total exposures to equity referred to in this section does not include \"Assets held for index-linked and unit-linked contracts\". Although the risks of these assets are primarily for the policyholders, guarantees within certain products may transfer some of the risk to a.s.r. </p>\n<h3 class=\"chart-title width-50\">Composition equity portfolio </h3>\n<div class=\"chart width-50 \"><img alt=\"\" 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\" style=\"width:100%;\"/>\n</div>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n1288077\"><span class=\"number\">7.8.3.3 </span><span class=\"title-text\">Property risk </span></h1>\n<p>The property risk takes into account the risk arising from the sensitivity of the values of assets, liabilities and financial instruments to changes in the level or in the volatility of market prices of real estate. The property risk depends on the total exposure to real estate. In order to maintain a good understanding of the actual property risk, a.s.r. applies the look through approach for investment funds and participations which activities are primarily real estate investments. </p>\n<p>The Solvency II SF property risk is determined by calculating the impact on the available capital due to an immediate drop in property prices by 25%. Both assets and liabilities are taken into account. The product Agrarische Impact Erfpacht (AIE) has effectively a lower charge due to the underlying risk mitigating characteristics of this product. </p>\n<p>The Solvency II IM for property risk includes an IM property shock, which differs from the standard formula shock. </p>\n<p>The sensitivity of the solvency ratio to changes in property value is monitored on a monthly basis. Sensitivity of regulatory solvency (Solvency II) to changes in property prices is shown in the following table. </p>\n<h3 class=\"table-title\">Solvency II sensitivities - property values<sup class=\"footnote cShowTooltip\" title=\"Sensitivities include Financial Institutions.\">1 </sup></h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:auto;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/></colgroup><thead>\n<tr style=\"border:none;\"><th class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-left-1 border-right-1 border-top-1 headrow\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;border-bottom:1px solid;\">Effect on: </th><th class=\"startCol-2 endCol-3 valign-bottom align-center border-bottom-1 border-left-1 border-right-1 border-top-1 colspan-2 headrow\" colspan=\"2\" scope=\"col\" style=\"text-align:center;vertical-align:bottom;border-bottom:1px solid;\">Available capital </th><th class=\"startCol-4 endCol-5 valign-bottom align-center border-bottom-1 border-left-1 border-right-1 border-top-1 colspan-2 headrow\" colspan=\"2\" scope=\"col\" style=\"text-align:center;vertical-align:bottom;border-bottom:1px solid;\">Required capital </th><th class=\"startCol-6 endCol-7 valign-bottom align-center border-bottom-1 border-left-1 border-right-1 border-top-1 colspan-2 headrow\" colspan=\"2\" scope=\"col\" style=\"text-align:center;vertical-align:bottom;border-bottom:1px solid;\">Ratio </th></tr>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-left-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;\">Scenario (%-point) </th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">31 December 2023 </th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">31 December 2022 </th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">31 December 2023 </th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">31 December 2022 </th><th class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">31 December 2023 </th><th class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">31 December 2022 </th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Property values -10% </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">-10 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">-10 </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">+2 </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">+4 </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">-8 </td><td class=\"startCol-7 endCol-7 valign-middle align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">-6 </td></tr></tbody></table><ol class=\"footnotes width-50\"><li> Sensitivities include Financial Institutions. </li></ol> <br/>\n<div class=\"header header-2\">Composition of property portfolio </div>\n<p>The property risk depends on the total exposure to property, which includes both property investments and property held for own use. The fair value of property was \u20ac\u00a09,193 million at year-end 2023 (2022: \u20ac\u00a05,001 million). The increase in 2023 (approximately \u20ac\u00a04,192 million) was a result of the acquisition of Aegon NL (approximately \u20ac\u00a04,272 million), a decrease of property values (approximately \u20ac\u00a0-149 million), improved lookthrough data of property funds (approximately \u20ac\u00a056 million) and transactions (approximately \u20ac\u00a012 million). </p>\n<p>Please note that the total exposures to property referred to in this section does not include \"Assets held for index-linked and unit-linked contracts\". Although the risks of these assets are primarily for the policyholders, guarantees within certain products may transfer some of the risk to a.s.r. </p>\n<h3 class=\"chart-title width-50\">Composition property portfolio </h3>\n<div class=\"chart width-50 \"><img alt=\"\" src=\"data:image/png;base64,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\" style=\"width:100%;\"/>\n</div>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n1288107\"><span class=\"number\">7.8.3.4 </span><span class=\"title-text\">Currency risk </span></h1>\n<p>Currency risk measures the impact of losses related to changes in currency exchange rates. The table below provides an overview of the currencies with the largest exposures. a.s.r. has currency risk to insurance products in American dollars (USD), Australian dollars (AUD), South African Rands (ZAR) and Canadian dollars (CAD). </p>\n<p>A currency risk policy is in place for a.s.r. as well as for the registered insurance companies. For different investment categories a.s.r. has defined a target hedge ratio. Currency risk reports are submitted to either FRC or RCC at least once a month. In these reports the currency risk is monitored and tested against the limits according to the financial risk policies. </p>\n<p>The required capital for currency risk is determined by calculating the impact on the available capital due to a change in exchange rates. Both assets and liabilities are taken into account and a look-through approach is applied for investment funds. For each currency the maximum loss due to an upward and a downward shock of 25% is determined except for a small number of currencies where lower shocks are applied (a.o. Danish crown). </p>\n<h3 class=\"table-title\">Currency risk - required capital </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:0%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>31 December 2023 </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>31 December 2022 </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-middle align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">SCR currency risk - required capital </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">226 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">135 </td></tr></tbody></table> <br/>\n<p>In 2023 the Solvency II SF currency risk has increased with \u20ac\u00a090 million. The main reason for this increase is the acquisition of Aegon NL (\u20ac\u00a050 million). The remaining increase of \u20ac\u00a040 million can be explained by an increase in equity prices and a lower currency hedge ratio for non-euro equities. The increase is partly offset by an increase in the currency hedge ratio for USD bonds. </p>\n<div class=\"header header-2\">Specification currencies with largest exposure </div>\n<p>The total foreign exchange exposure at year-end 2023 was \u20ac\u00a0772 million (2022: \u20ac\u00a0573 million). The increase in 2023 (approximately \u20ac\u00a0200 million) was the result of the acquisition of Aegon NL ( \u20ac\u00a0-6 million), an increase in equity prices and a lower currency hedge ratio for non-euro equities. Please note that the total foreign exchange exposure referred to in this section does not include \"Assets held for index-linked and unit-linked contracts\". Although the currency risk of these assets are primarily for the policyholders, guarantees within certain products may transfer some of the risk to a.s.r. </p>\n<h3 class=\"chart-title width-50\">Composition currency portfolio </h3>\n<div class=\"chart width-50 \"><img alt=\"\" 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\" style=\"width:100%;\"/>\n</div>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n1288137\"><span class=\"number\">7.8.3.5 </span><span class=\"title-text\">Spread risk </span></h1>\n<p>Spread risk arises from the sensitivity of the value of assets and liabilities to changes in the level of credit spreads on the relevant risk-free interest rates. a.s.r. has a policy of maintaining a well-diversified high-quality investment grade portfolio while avoiding large risk concentrations. Going forward, the volatility in spreads will continue to have possible short-term effects on the market value of the fixed income portfolio. In the long run, the credit spreads are expected to be realised and contribute to the growth of the own funds. Exposure to spread risk exists in both assets and liabilities. Asset exposure exists mainly through fixed income investments and mortgages. In order to maintain a good understanding of the actual spread risk, a.s.r. applies the look-through approach for investment funds. The spread risk of insurance products depends on guarantees and profit-sharing features. </p>\n<p>The Solvency II SF spread risk is equal to the sum of the capital requirements for bonds, structured products and credit derivatives. Bonds and loans guaranteed by governments or international organisations could be in scope of counterparty default risk instead of spread risk. The capital requirement depends on (i) the market value, (ii) the modified duration and (iii) the credit quality category. </p>\n<p>The Solvency II PIM for spread risk includes an IM spread shock which differs from the standard formula: </p><ul style=\"margin-bottom:0px;\"><li>\n<p>Spread shocks are calibrated on the basis of Aegon life\u2019s fixed income portfolio. </p></li><li>\n<p>In contrast to the standard formula, government bonds are shocked with a factor larger than zero. </p></li><li>\n<p>Mortgages are in scope of the spread risk module, while under the standard formula mortgages are in scope of counterparty default risk. Hence, as a result, the spread risk inherent in a.s.r.'s mortgage portfolio is partly included in this section and partly under counterparty default risk. In particular, the mortgage portfolios of Aegon life and Aegon spaarkas are included in this section since these entities use the Partial Internal Model (PIM), while the mortgage portfolios of a.s.r. life, a.s.r. non-life and a.s.r. health are included under counterparty default risk since these entities apply the Solvency II Standard Formula (SF). </p></li></ul><ul style=\"margin-bottom:0px;\"><li>\n<p>Furthermore, the Solvency II PIM makes use of a dynamic volatility adjustment approach within Aegon life, while the standard formula does not. The Dynamic Volatility Adjustment methodology follows an asset-only approach, ensuring spread widening is the biting scenario. </p></li></ul><ul><li>\n<p>The performance of the fixed income portfolio is assessed under a broad range of credit scenarios and the model determines which part of the (short-term) losses experienced by the assets are recouped. </p></li></ul>\n<p>The sensitivity to spread risk is measured as the impact of an increase of spread on loans and corporate bonds of 75 bps. The VA is based on a reference portfolio. An increase of 75 bps of the spreads on loans and corporate bonds within the reference portfolio leads to an increase of the VA with 17 bps in 2023 (2022: 18 bps). The credit spread sensitivity decreased from +11 to +7. </p>\n<h3 class=\"table-title\">Solvency II sensitivities - spread risk<sup class=\"footnote cShowTooltip\" title=\"Sensitivities include Financial Institutions.\">1 </sup></h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:auto;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/></colgroup><thead>\n<tr style=\"border:none;\"><th class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-left-1 border-right-1 border-top-1 headrow\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;border-bottom:1px solid;\">Effect on: </th><th class=\"startCol-2 endCol-3 valign-bottom align-center border-bottom-1 border-left-1 border-right-1 border-top-1 colspan-2 headrow\" colspan=\"2\" scope=\"col\" style=\"text-align:center;vertical-align:bottom;border-bottom:1px solid;\">Available capital </th><th class=\"startCol-4 endCol-5 valign-bottom align-center border-bottom-1 border-left-1 border-right-1 border-top-1 colspan-2 headrow\" colspan=\"2\" scope=\"col\" style=\"text-align:center;vertical-align:bottom;border-bottom:1px solid;\">Required capital </th><th class=\"startCol-6 endCol-7 valign-bottom align-center border-bottom-1 border-left-1 border-right-1 border-top-1 colspan-2 headrow\" colspan=\"2\" scope=\"col\" style=\"text-align:center;vertical-align:bottom;border-bottom:1px solid;\">Ratio </th></tr>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-left-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;\">Scenario (%-point) </th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">31 December 2023 </th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">31 December 2022 </th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">31 December 2023 </th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">31 December 2022 </th><th class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">31 December 2023 </th><th class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">31 December 2022 </th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Spread +75bps/ VA +17bps (2022: VA +18bps) </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">+14 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">+10 </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">-7 </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">+1 </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">+7 </td><td class=\"startCol-7 endCol-7 valign-middle align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">+11 </td></tr></tbody></table><ol class=\"footnotes width-50\"><li> Sensitivities include Financial Institutions. </li></ol> <br/>\n<div class=\"header header-2\">Composition of fixed income portfolio </div>\n<p>Spread risk is managed on a portfolio basis within limits and risk budgets established by the relevant risk committees. Where relevant, credit ratings provided by the external rating agencies are used to determine risk budgets and monitor limits. A limited number of fixed-income investments do not have an external rating. These investments are generally assigned an internal rating. Internal ratings are based on methodologies and rating classifications similar to those used by external agencies. </p>\n<p>The following tables provide a detailed breakdown of the fixed-income exposure by (i) rating class and (ii) sector. Assets in scope of spread risk are, by definition, not in scope of counterparty default risk. The total exposure of assets in scope of spread risk is \u20ac\u00a051,911 million (2022: \u20ac\u00a020,653 million). The increase in 2023 (\u20ac\u00a031,258 million) was almost entirely the result of the acquisition of Aegon NL. </p>\n<p>The portfolio decomposition changed due to the acquisition of Aegon NL. Among others, the mortgage portfolios of Aegon life and Aegon spaarkas are included as per 31 December 2023. In particular, this led to a significant increase of the non-rated fixed income percentage from 11% to 33%. </p>\n<p>Please note that the total fixed-income exposure referred to in this section does not include \"Assets held for index-linked and unit-linked contracts\". Although the risks of these assets are primarily for the policyholders, guarantees within certain products may transfer some of the risk to a.s.r. </p>\n<h3 class=\"chart-title width-50\">Composition fixed income portfolio by sector </h3>\n<div class=\"chart width-50 \"><img alt=\"\" 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\" style=\"width:100%;\"/>\n</div>\n<h3 class=\"chart-title width-50\">Composition fixed income portfolio by rating </h3>\n<div class=\"chart width-50 \"><img alt=\"\" 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\" style=\"width:100%;\"/>\n</div>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n1288167\"><span class=\"number\">7.8.3.6 </span><span class=\"title-text\">Market risk concentrations </span></h1>\n<p>Concentrations of market risk constitute an additional risk to an insurer. Concentration risk is the concentration of exposures to the same counterparty. Other possible concentrations (region, country, etc.) are not in scope. The capital requirement for concentration risk is determined in three steps: </p><ol><li>\n<p>determine the exposure above threshold. The threshold depends on the credit quality of the counterparty; </p></li><li>\n<p>calculation of the capital requirement for each counterparty, based on a specified factor depending on the credit quality; </p></li><li>\n<p>aggregation of individual capital requirements for the various counterparties. </p></li></ol>\n<p>According to the spread risk module, bonds and loans guaranteed by a certain government or international organisation are not in scope of concentration risk. Bank deposits can be excluded from concentration risk if they fulfil certain conditions. </p>\n<p>a.s.r. continuously monitors exposures in order to avoid concentrations in a single obligor outside of the risk appetite and has an overall limit on the total level of the required capital for market risk concentrations. The calculation of the market risk concentrations applies to the total investment portfolio, where, in line with Solvency II, government bonds are not included. </p>\n<p>The required capital for market risk concentrations is nil as per year-end 2023 (2022: nil). </p>\n<h1 class=\"S_PARAGRAPH\" id=\"n1288197\"><span class=\"number\">7.8.4 </span><span class=\"title-text\">Counterparty default risk </span></h1>\n<p>Counterparty default risk reflects possible losses due to unexpected default or deterioration in the credit standing of counterparties and debtors. Counterparty default risk affects several types of assets: </p><ul><li>\n<p>mortgages </p></li><li>\n<p>savings-linked mortgage loans </p></li><li>\n<p>derivatives </p></li><li>\n<p>reinsurance </p></li><li>\n<p>receivables </p></li><li>\n<p>cash and deposits </p></li><li>\n<p>expected credit loss </p></li></ul>\n<p>Assets that are in scope of spread risk are, by definition, not in scope of counterparty default risk and vice versa. The Solvency II regime makes a distinction between two types of exposures: </p><ul><li>\n<p>Type 1: These counterparties generally have a rating (reinsurance, derivatives, current account balances, deposits with ceding companies and issued guarantee (letter of credit). The exposures are not diversified. </p></li><li>\n<p>Type 2: These counterparties are normally unrated (receivables from intermediaries and policyholders, mortgages with private individuals or SMEs). The exposures are generally diversified. </p></li></ul>\n<p>The total capital requirement for counterparty risk is an aggregation of the capital requirement for type 1 exposure and the capital requirement for type 2 exposure by taking 75% correlation. </p>\n<h3 class=\"table-title\">Counterparty default risk - required capital </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:0%;\"/><col style=\"width:14%;\"/><col style=\"width:14%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>31 December 2023 </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>31 December 2022 </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Type 1 </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">190 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">103 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Type 2 </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">136 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">138 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Diversification (negative) </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-20 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-15 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>305 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>226 </b></td></tr></tbody></table> <br/>\n<p>In 2023 the Solvency II SF Counterparty default has increased with \u20ac\u00a079 million. The main reason for this increase is the acquisition of Aegon NL which lead to an increase of Type 1 risk of \u20ac\u00a086 million. </p>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n1288287\"><span class=\"number\">7.8.4.1 </span><span class=\"title-text\">Mortgages </span></h1>\n<p>Mortgages are granted for the account and risk of third parties and for a.s.r.\u2019s own account. The a.s.r. portfolio consists only of Dutch mortgages with a limited counterparty default risk. The fair value of a.s.r.\u2019s mortgage portfolio was \u20ac\u00a09,975 million at year-end 2023 (2022: \u20ac\u00a09,534 million). The increase in 2023 (\u20ac\u00a0441 million) was almost entirely the result of the acquisition of Aegon NL. Please note that only the mortgages of former Aegon non-life are in scope of Counterparty default risk. The mortgage portfolios of both Aegon life and Aegon spaarkas are in scope of Solvency II IM spread risk. </p>\n<h3 class=\"chart-title width-50\">Composition mortgage portfolio </h3>\n<div class=\"chart width-50 \"><img alt=\"\" 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\" style=\"width:100%;\"/>\n</div>\n<p>The Loan-to-Value ratio is based on the value of the mortgage according to Solvency II principals with respect to the a.s.r. calculated collateral. The percentage of mortgages which are in arrears for over three months has increased from 0.03% in December 2022 to 0.04% in December 2023. </p>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n1288317\"><span class=\"number\">7.8.4.2 </span><span class=\"title-text\">Savings-linked mortgage loans </span></h1>\n<p>The counterparty default risk of the savings-linked mortgage loans ('Spaarlossen') depends on the counterparty. For 11% of the portfolio, the counterparties are Special Purpose Vehicles. The risk is limited due to the robust quality of the mortgages in the Special Purpose Vehicles in combination with the tranching. a.s.r. has a cession-retrocession agreement with the counterparty for 86% of the portfolio, for which the risk is limited. Effectively, a.s.r. recognises the underlying receivable from the counterparty (or in the case of insolvency of the counterparty the mortgage loans transfers as collateral), mitigating the counterparty default risk of the savings-linked mortgage loans. </p>\n<p>On September 1, 2021 DNB issued the Q&amp;A and Good Practices document on the treatment of saving mortgages and in December, the Dutch Association of Insurers shared its additional guidance on this subject. These documents provide further requirements and guidelines on the valuation, risk calculations and balance sheet classification. Saving deposits without collateral agreement are considered in the SCR Spread Risk Module. The saving deposits with collateral are treated in the Counterparty Risk Module. Furthermore the collaterised deposits are split in two: a) the outstanding part and corresponding interest are considered in the SCR Counterparty risk type 2 (zero risk); b) the future premiums and corresponding interest are treated as the uncollaterised derivative contract of SCR Counterparty Risk Type 1. </p>\n<h3 class=\"chart-title width-50\">Composition savings-linked mortgage loans portfolio </h3>\n<div class=\"chart width-50 \"><img alt=\"\" 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/r/RyhZEDU1NY6lXp4kLi5Z1KqDfqbAME/r4oyrNwvQo0GrCjJz79rSLmDcOePWI2a6+q9LA/OC1QvdOW7G4SjmnKJnrQ0UVFIaBa3sLpiKU1BkMA9oUokpvx4mKPYcffWzbaBVG6ggoFgSnZB6Jyu9PEl+sPg/AGM8rYcrjp/NEtsENq7V2xhVhaC4dNOvW2/SD7/ZYykp00lR8Ste96xWnLqEQs6JElqs/xbArcrIqx4Xr+QJ3cJalJlLSymMkGi2yWwym82mHAp47LG5gePOGVf8fta098j16vy5mgLJox5PDne3Xp4kKn75/RTkBU/rUR57Dl9HmNbf2f0mgSKv0FRcLBnz9ZTC5YaKtYWgCdelRavP0QVLD9uX8ghN5EsYOO5CkTQ8Kj71eRB8oISsGlAcObj5haHDQo1Prp27SH8z52zO8QvnL2w8fKMoPd1o+U4OgCAACNVBnDxcEzKwk6pFeIjQIiSQtAzwIT20GtJHENiULX3v/s1wNr8Vffb9P6v8VFYHdhKtNmLdFyNcr7r0EqIfW9aLCsI2AOXPt/c01Hxi0ceRIQ+vmD0/PyPnTO6FK+eubT14+frRy3oUFUkAzJCDRRKmgxDR3cc3opfQqGszoV1YoNguQIe2Wh/00IjEowFe8MQMOmfRfmnTjn9dTeszSpQM3LBw3B5FFePUOZg7p+j41Lsse+V5fMGvI5JkOmYozl2Tn3Xpr9N7fzmQfeVYMeROgkDe59VaN7O+FwCw3RiPoPQaEgDE1xfim/fpmt/dQxXRKFCI1PlgCFDzBYu6Xu+ZDM0epROfXeeWoWxK6dz1C2NnuKMtT3H3zNQwjYHsrZWlYkpvGg2FaQV51zaln/ztn3+PrMsEYIJ8HzizLVuIw+eS19NjNA1jB2kGNw0VhgRoyXBWgVBZjVQImXgDr362Q9p39FoF9zI9rTGreq/6ZkyeIrpx6iRMndOIGclNJKPqIGrRBAgqSVeNxbmLMy4dWHlgy2enIXcOksM74LwDKUJphE6cvNu+BADCfUN8Ap8ZpxnVPEyY5KNGz+rorGpyD/zuTKajpq906/+Lgj68Pin2B3e2qSRRCam/wM0PCKwJFNRoNhStyM869/OBjXN2FRVlGlFqU1b7Aip2ToBru7K+xDZNoVk40y+ibRMxzs+HRBLCZtcG4hOKkNizmPrGRly8Usmp8BSL0hbGPMJCH079gKFzoiQyITXVU/vlOSKZjXsKcq8k7f3tg3VFWel6lHYWtp0HhX10C9h3HsUAHEtq5TmnEicFQFj8rG+v229VT/HXIgaVziQJQh/IQsys1SgqdvvT5HPMZvHWjd+MSXd3w6yJSkidCOAnT+sBAJTSDENR1tfnj61bcm5vyjXY25WjfdmOaVY0o6U8B2VnXzNGakJnRvvENwoW4gXivmUaYnA3BI34C+Of+hUFhcaK/8Be+YfWJcUscZcunPoFM+cUHZ9yHyXkZ1btVxZJMh3Lzzj33vYVb24CCs0o7TjK60AA+47D+tkE+4XLFWVPds7J8hL/b4au3YhemmcCfTEWFfwPgidclz5adAib/6XVVl0VVrSuLEA8egC5KowbMrKpqJoPgwgxJN6UEi5xQXZc4/8/fXCG2d25EEuCZdnV87sq6LMyfq5QgcFQHhoqE/IS+M1UxoHCdMEIo+PVhd1eKQUcOcvJHrq8ur2E3mCRLut/Tr2Qk304NRPmDin6EeTG1KV6iiABizarxSUZhXkXXtrz+rnkgsLC02w7zicZUyOnQdQtuOQ4DzjKc9JlelAAIgAhOQX/Lrf0UX1oVqFHs5OIWDMMcPm/cVkzqJ9rDfZvD8tKcbjgUTloCQyYfkaAkR7UgmjPv+HM/uXvnf+0OpMlLUrV/YFJ+8VUZGTstqXCBv7emKkpuHTY7WvBfqS+6pzguq2k82+fecINS0lU9AV65Nix9WkDU79hIlzikpI/QnARBZtVwaTsWjl2UMr/nt2z9JrsHdKZlQ+onX8bP3Z2TVz5pys7y4zKABCszBofn3df0qzMPFFQkonW/jeudKQLvXAzLc3K7Hy/iYxmW5d9+2EGwrIqhHR8SnjKSFLPSWfSuYTGVeOvrh77Rs7UWpb1ndXpeLK2JYrHJ2T9d1Vhi7avItrXvcf3Led+L5KRKV3Nfbp8pJRc+vzwr0zV7nnIYlUGpm2cPxat7TFqTe43TlFxS+PAKGb3d1upaC0IC/r0nPbUp5cAbnDsH2VV2qBk3e7ll1IdLx+VS3ziZaX8Pl0bce4AZr5GhXprOnyopl0eJaOf3KNctspUSxMWxiToJi8ahDxyLdarTrwKEBae0K+sbhg0Z4N7yZmXz1eiLK25TjxwZVdOQt4nFFREOT42TFDt9qWOKgzdD88HfhusB95sKJz9On9sYG0nCTEutP2CM4G+Jm6Lp0zwWPrAzneh1vHMRITEwUAH7qzzcpCJdPJy2f/HLEt5clUAEabl7Wk59iROBsbKC+jcirW4eUYPdtmbLYvk827CYDpibn64/d9bBhZHHxnmm+3lwRFHRMAEEwZGZ/aWVGZVUSnDnrSI46J0oKCzAszfvt+0ovZV48XwOb/hrL25SyLqigwcirVycuVfbmyMRMA4/ZjKGw7NffZ01foM1Se1OMU7cDvi41NHyBudUzymbTJKxBfdGubnDqPWzMnT02CMJn0mw/+9WXC9dPbc+HaEVWmjOdunEW6thGu7ViBCHmyBYmYOH+6NqBhIkO9nFKbxwcsyxJOAghQUi6lUk7G5YP371731h6UtS1XZWKgYufjDiqaKWpX4gMgLn7ar2dkH/E7gZBbbBvS3bmqONunN5nyykZWZWS9oDa1XvvVhKuM2ufUMdyWOUXPWutDCd5zV3uVxWQoXLpt5fMPWxyTq2i2vIFqlthGvI5Rr1Uv2yzKAEDa8vO0uflZ/86EnPkpBgEZOzxhxSAlZVYWs0F8Hco7pszrF3ePtzgmZ7blahKEbVmPqYooa2O2tlUmU39oTsH+7zYYY00S/rU24jvsz+KrtAcYOiYA0EpG1fMM2+fUMdxX1tMXTVW65GLU532zadG0J4oyL+vhuvNwLIko4ZSc4aocY+1ErAs2TQDMW5c9tSzn+slHKKiiDkqA9D5q2e7SI2YkNyGETFFSJqX0+vULf8fsWz/7ICoOeipbqmOmrpOXY6mvxEE9/33Rmbm/GseZzDjjO2Kv4XTWLZjx1u813RKrMky/O35lYwXkcOoAbnFOEYmbVRTkWXe0VVlMhsKlO1KmvwYU2GYelcmWPI2zaNdaHrI7jx0rX9qUn/HvDNgv3GTNkKhpywcoKK9CJIPqSZRd/MwMSqUrl8/+MW7fxg+PoWqZuKcpbzzK9jxMib8UXvpme3Dc4Ys+hc9/tFWpa6tTE/NzCsnieDlucU4+l7PHAGjpjrYqg9mk37jt15eeLiwsNKKsY3KVLdUmnJVinJVhzNtSn16Vn52ubDlEwlOKyiuHe6YmB4FAsT0AKaXZ6Uc3xh7+/fNTcJ2J14ZsqTzKK/eVTJSYk1qU/siTs0dRSrMV1G1G9KPJtWY7M07txS3OiYAq1plRyXxi/59fzCjKuGSAdzomK+XNwLI7r61L/7PYoM+dp6BusfdMTW6hoDyXiFBPg4JPTc7NOPPkoe3zz8C1bXm6PFxZnJX57ErI169fNx7Z/OWprKuHp4BSg0J6+VJR9YhCsjheTI2d04hpy/oCGOIGXSqG0ryrZ7bG3zizIweVG1/yFsqLcs0ApB1rXn1XMhfvUEgfUU3FmQrJckliYqJAQP+jlDyDPnfejuUvpMF5mdibHJMVZwGQbQlZAmDe9esb24ryr72plFKEIKG2jWtyah81dk5mSZjlDkUqQ27WxWcPbPnsJFyvK/FGxwS4LsOUlPqKMi8Xn9q/7HFQSZFdHCSQqXFPJ3v0GUk7r/QYCormSsgymw379q95+39wvmbIGx2TFauujrMJ7YKfP35+7luzSb9eIYXaR8WvuFMJWRzvpUbOafTU1b4EiHGXMuVhMhat3J7y1GpUfmW+t1Ghgzq3N+VqbtalV5VQhgDBufnqEUrIcomEyQpJyk0/teXxzMwzepR22tZrD3hHmbg8nK2/chjnLDSdPLD0aUrpNSUUIkCt3o2E43lq5JxMkmEEAH836eISSmnGub3LXoNzxwR4v2Oy4mo6cEknsj3lqVVmY5Ei+5QR0GptGuoO7p2yMgCgsUrIysu69MKRv+adR1nH5GhXdcW+nO4scWHv8ozCrH8VKe9RQsePnP6rR3eV59RualbWI8ps7lqYe/XdMweXX4fzjKkuOCVbXA1il5z7haOrXgFooQK6jIqYkcw8+HBGsWAeD8CXtRyzqXjrtmUvrULldhXxdhzPx3GxrvmvlFdXmM2GbQroojGZiz25szynllNt5xQ9a20gBRnpTmWcIZlNx3evfj0ZZbeNqYudhxXHMpKdkzq565crxUU58xXQQ6c1qkYpIKcMhECJrEm6eWlfIlBozZacjWHWRdtyFQBJQKHp+oVd/4UCa+sIJWNYy+B4L9V2TlJx0SgAWjfq4pT8zHP/KyrKMMC+83C2Ir4u4mpRpXRy95J5lEqZzDUgiGMuw4HoWWt9AAxlLcdoKEjet/GDw3DtlOpaVm7FWfBjzaTMB3775KjJULRcAT2i4+KSlXgkDMcLqbZzEkDucacizpAk0375CbYus6W62nkAFUS4l4/lqMvzGK+9olS3BUXl+ye5/pUVqaheAjYl/To1X/hLOnX9dDnhscVbikwBIV/7dMQfss6eAnCAVn7XHcUq1nROlNMKNejilMPvKwnIerV7fOg/HSRLm8wdXLAYo02fkECA4P1DozlJGGSQaxVqEyVC05sjmL0+j7BgmUPczcsC1bUkAzEc2f3nabNCvZK2EAHikbMyp/VTLOY14LKUl601eKZWu7Nn8vnWguj52HrY4nWJ+4fCaTGNxYTJz4aIQwVqGA5GsBeTeODUf9TtrsuJq+YKUffPMYtbCCcFg1jI43km1nBMlhHkqbijM+akoM70YdXfmVGVx5pBLOpCbl/ctUkCDCOYyLFimF3djKYNS05ldaz/Yg7JOCahfNlZe9iT9s+a9nVQyn2asQI/RU1czn5XJ8T6qV9YT2HdWGZcPr4D9dHHuoJxEuAd+++SYZDYdZyz8DstTjpkjGQ29WMsoLsxdVkG5uL7Zlgv7KjQXF2b/wli+yghjb8YyOF5ItTociYJpByJJpsMH/5hzCmVnFdW3jsOKYwdi14kY9LlMxwYIELzzao8WLGVYkQTK3Dldu7DHNvBxdm3rGy7HNm9cPbCOuXQJA5nL4HgdVXZO8mac6MhCGStGfd46lM0SuINy4aAyLh1iv2OEyXwrcxkACCVMnROVzKePbZt7HjzwccTZLFh6ZPOXZ1iX9kDQj2n7HK+kys5p+6XeLQEw3RA0L/viVtTfMkt5OO1ADv2ZdJpSM+M90YQubNsvoSfLxk2Ggj/g2jHVV1ujDp/tAkNTceFvjOV3YNw+xwupsnMigpFxBE0Lj2xfsB9lZ07V147DiqsOhAKFZrPRwPZxGoQyz5wiEjerAHRiKaOo4OYfqLtbX9UEZ/caBUD1hRn/MBbdFvwRGhwHquycBEo6s1DEimQ27i7KSi9G2ejWSn3uTFyW9oyGXMbPeiLMMyfdpcwmAJgu+L1yfscB8IzJFU6vS/q5v3ezFUv8RsxY2pitDI63UWXnJFHahoUiVsyG4mNw3XnwDsSekutSkHuN6Yw9KPBcJSKI4Szbp9R87dzelBso6+Th5HN9p8S2zu375Tql5n+ZCisW27Jsn+N9VL2sR0gDFopYMZry2Q6+ej/OZpjh5qntJ5lKJWjAuvQiSRJT5ySZTUfAgx1XOCsbl7wks4npfSkJYBr0cryPqk8lpwhloEcJ+vybZ8A7EFc4XouSa3T+5IYcKklXGcpWjX1kRRDD9kEF0pRl+5LJcB48Ky8PZyV0q3O6yFa0wLRf4XgfVXZOlCCMhSJWsjPPXYLz7IB3HvaUuT6UmjqU8w4AACAASURBVNNZCizwMTdk2T6hElPnZDIbroLbUWWxmxlqMhUyLesRIIBl+xzvoxplPcbO6eIh9o+B8G5cTxChZqbXToTAtKQLSvxYNi8Zi66AZ0rVwmwqvsmyfQKJOyeOHdUo61Fm6TelVH/94p5C8AHrqiKXXqiUwVgI27IeqJpl+yZDoaPz5vZUPiX3odlozGcpSKI8c+LYU43tiwjLqb654B1GtZEksxKPbmcGAWHqnKhkNrn6FUu5Xoaza0HN5qI8lkIJIYEs2+d4H9VwTtTsfjXs4IvxqokiO7OyhalzMkuSM+fEHVNZyl4To8nIVCLh/weOPdXJnBg6J6pi13bdhxLi3Y6dgOkju4lkZv1k17qLWsU0cAClxUzb53gd1Qm22TknAu6cagIlXn79iKuym1sQNVpnzw0i4Nl6RRCRMHZOELhz4thRq5wTgeCv04V6eQfrEQgAQgQxhKUQgRLWmUc2y8ZFtTaYZft1BFtnXfJZEH0YPxCQZ04ce6runAiKGOhhRWjWNSoMZW8QOPnMcYj6CRGZTvOXIDGdTkxBs1i2L6q11tmGBDxjqhJqja4JUwEU3Dlx7KjODhFXGOhRQkBoG9ubgHceZXHWsVqiW8J0kaxaYPtYDkIYZ06ipim4TVUWWzsTBI2W6QJpKhCmgQnH+6j6DhGgTHch0PmFNYPzzpd3KmUpuS66kKYaQlRMn1ary8ANlu2Dsu2gRJVPG9h3utymKoYAIIKoYbrvoUDpZZbtc7yPqu8QAYGpc9L4BnYG70Bc4cxhEwCkQ++JbcF2KnbW0qUTDAzbhwTKdhcCUd0ass07G1fhdlb2vit5iYKK6XO2KCXcOXHsqM6ECKZlPZXatzPsOxDecdjjeE0IABIQ0oLpc7YAMH7SLgAiMd35mghiu6DGHbVwbVv12c4cz73k+jRucZuOCKp2LIVTKlxi2T7H+6h6WY9x+i0I6q5w3nlwR1WWkjEBjS6E6ePNQegppu0DCMqSzkJ+eCITCIi6420P9IRr26rvON53AgDSstsoa8DIjMDAYp45ceyossGJgnCUhSJWiCA07zx4eku4LjHUV5x1HNYXUWl0Q5hKpzjMtH0AlrLhOZYy/ILCbwO3qYqwuz5+weGDGcu7snTOBJazgDleSJWdk6lIdxiMt3xp2Kx7BGw6XvAOxIpTh926d2wjQVAxLetRwt45yZATLFtX+/gPRjljK6iftlbetRDUPn4RjMXvY9s+xxupsnPa8ENkAQiYPnVVowu6E7wDccTZZAgBgNCsTcSdzIVLVCHnRJk6J0HUDGrVYXgIygY/9dWurDjNyhu26R8giD592YqW9rJtn+ONVK+OTHHAzXrYoVJrhzbtODQYvAOx4jg2YntdBG1Ag7GM5ZuJzpep07BCKP2bsQhVs56jhsNhXMVWBcbyayMuA5+OfR8YDsYb8oLyzIlTlmoOcpL97lWjDD7teowfDYdxFVsFGMuvjTh2pgIAoU23MQ1FlQ/bzImQg+u+GKHICn5RZd7KWobOt+G9AES4Dnzqk325GscUAAi+/o0nsFZAgoo7J04ZquWcBEHa5m5FHNH6h41H2ZulPmZQTscBrO/Nu40YC7mjZQjdxLb9Un6dN+EyQJlOihDVPkO7DHysBeTr6MxJ1SdcZuUd+01pJoia2xnLv75h4ejzjGVwvJBqOadr9OYOAEwfPiaImv697nmuKxxKWKif03+dRbeiTheq0erCpjCXTqXfmMuwFQfyF2MRQqM2Qx6G6+DHMVOvqzizq5LP4R1vfxiMrwMF0gDCn+XEKUO1nNOeBdOMAH53sy5lCAvvNRO883BZduk14vVoIgitGOtglPQBzEttdhDK2jnBRxf4QOMWQ/zh3EEB9SP4cZY1iQCE8E53B6u1AZOZK0BJGmsZHO+k2gvrCCHr3amIM1Qa3ejOg6e3hnzDWF9WnetDGaac8QBf0S+oyXTWClCKHRt+iCxgLccWyaRay1wIISG3Dpn8GJyX9upD8OPMrkocVPve900iEFg/Op2qBdVGxjI4Xkq1nZNgkpg7JwBi03aDn4WTgVrUfefkstwCQBwc8+5IUdT0Yq4EUT6y3fjNmHRQ7GAtR+MbOiO8093BsA986kPw42ocUwQgNu04NFjrG/a4Anr8s3rBaKb7KXK8l2o7pzXfxJ4lCizMVGt8x/eJfL0vynYgthFuXetAnHUeJdlj8C2ddf4hzV9VRBMRPykixwEq0BTWMgghwR36PGhbOna0r7rooFw5pZLAr1O/yU+BkAYKqLKavQyOt1Kj/bKohO/dpUh5hIV3eVOn02lQ9kYC6l4ZpqLOQ+w59Ol4BcaaAGBb2rxx5xWQUwaVCcuVkOPjGzy95z3PdUb5wU9dw9m0cRGA2PWOJ9pqtIGPKaKFiMWKyOF4JTVyTmZJXAKGG3VaEUR1n/5j5jyKsmNPdS3CLW/2lAhA7BHxZHsf37DnFFGGkCVKyHHGmm9iz4IosjhT3ajFbe/7+vqq4Tp7qitOyrHaYOeYdLowTdN2gz8C60W3Mn94KvDheAc1ck4bvxmTDhBFBjS1AY1e63bXk51QPxxUGacEQNSFhvs0bjPoM0KIVgE9TCqoliogxyUESFJCjiCq+/Ub+/kTKL3WKpS/SNcbcTW5puQ+6j929nRBVA9UQhlKsUgJORzvpUbOCQAokRQp7QHwuaXV4M9DmnbRoayDcowIvbETcTwH0eElDIh+e5YgqnsrpM9aTw9Wq03CYjBeT2dF6xf6wqCx70ei1DHVpfFNl5m45aXqM+ylnlr/sBcU0qdI0GmZjylyvJsaO6dAP/NygPHjuy0IoqpH72EvvQ/4WTsQ247EWx2UY+nI6VjAwHEfRPn4Bj+voFKfKCXLFau+GZNHQJWKsElgw/Zf9hz6VHu4zs4d10J5A86CHjvbatNtTOMGLfouhDLlPFDgp3VfjMhVQhbHe6mxc1o6Z0IRIfjMHcpUBrXGb+KdD3ySANclGG9yUK4ck+25qXpGPHVrUFjbL6HU+VCye13SuD8VkVUBAiVfKSgusFGbwd826zzMdnq5sxKfN2RRznS1nkeJbYWGttW27fvAAiIIzRXSi1IifaiQLI4XU2PnBACCqPkKQL472qoMOr+GbwyOmWPdvNNZJ+JsPVRto7wxgJLz6TzgoWaN2w35DoQEKKUYJfgQtWRLmTULY44B2KCUPEEQ23ce8OgXvr6+Glg6cNjbmTc4KFeOyS7o8fX1VfUe/ebHoko9QEHNlm9YMP64YvI4XotbnNOauaOyAMxzR1uVRAwIa/nVwHEfRMHmZkPZcaja2Ik4c0hlsiUAYod+9zVt3mXMUkKElgrqd744PDhVQXkVIyBRSXGiShs5MHbee5YZfM4cVG2diONsGUKZ8SXIjkk9YPy8j1Qa3zglFaRm8r6S8jjei1ucEwCYzeIcAAZ3tVcJ1EFhbZMGjf1wOMpmT46diGMm5QkcOw1nHUjJWFq7vg83a90tNlkQxDZKKkkpPtqSONSkpMyKSJsfswPAGiVlqrX+Dw+Km/+xThdmzaDUqNiuaottuQp8RFgc08DYee9pfPwfUFjP39d/PW6XwjI5XorbnJM8rRxfuqu9SkGIJrBh2+/unDD3EZRGuLaRrqsIV8mOpLyOwzFbUgFQ9R7+Ute2PUf/SgRVB4V0tHLypnBjgcIyKwWRpP8qLVOl8bt/8MQvvmrcsrs/yv6faoOjqoxTsrOtJq16+g2esHCBWuv/sAL62Ssr0deVlsnxXtz6HKCu3SfuMglIAIGvO9utAEGt9R/W8tYo36untu4wmYooyndGjp9t391FRTPwnJZaAKgGjpl9T2h4tyWECGFu1qkS0Cl/JU06przcijm9L/lquz73dQVwq5JyBUHVsXHrIXcKKr/fM9P3F8C1Ldn+7OyYu3BVunPMxm1ntKoAqNr0iWvSeeC0n5g/nNI5P6UtjP3UA3I5XorbMicAWPHduGwiEMUjXABQ64Jm3H7/l0vb9X24GVxnUeVFujWd5Vdep1HebDw1AJUuNFw79MFvXglq1GExAfGvhvyasjktKaZW73VmFqRXACjyRF5bBEHVs02PkWn9R79zO5zbVnlZlKvMvSpUxraskx5sdVNbXqp+o9+7u32viZsUXCdnS5FkEl70gFyOF+P2J6g2G/34fnW+PgZAI3e3XRFEUDUPadJxfONW/U5fPLbhHFw7nopecPHZ2cvZ5AtnDslVtiR2uf3x1l0GP75I7eMXYyNTSSiRpNjT+7pc8YDsSnN2T3Jm+z73CQCGKi2bEMFf598wruWtIwKzrh/fpc+/KcF1UGMN+pzZD1x8ro5tOQt4rFmTCoAquEknv0ExH73qHxw+mxDi574rUgUoeXf9N+NWeUQ2x2th0hFGx6feRQkUfXqqI2Zj0dqLxza8fvzvRZcAmCHvAShZPlPLZ+rkBZt3x8/OcCzhWN9dRbslEXZISBtdjxGvTvfRBT+l0JZErpiflhSjxCMSakz0rLU+VK8/CEDp8bgSqGQ6mXP91H93rn71D5TalGTzcmVfQM1ty/rZ0a6smVOJjQ0cM/vuwAZt3iWCqlVVz9FdEJB/VUTVefWC0YWe0oHjnTCL0iPjU74ihDB/GF65UFqgL8z68vTO77++dPbPHNh3ILYdSU06EWfjVxUMVPuqBo17MyogtNUrRBDb1fAsawg9pzGreqz6Zowi2wS5g8ipKUMJJcyfxFwRZlPRumsnt751cNvcc3BtW7Y2BofPQOVsy/q5vKCnxCl1Gfqfdk1bDnxRVOtG1+wM3YBA7kmbP86jgSrHO2HmnIZPWu8nagv2UaA9KxmVhtKs4qKsead2fP/tpbN/5qLqUa6rDqQ8x+SkrOcrDhr7dqR/aPNnBFHVzW3nV30opcKd6xeO/cvTilSV6Kmp31CKRz2tBwCTyVC4/OaF3V/t3/Lpcdhn5rZ2Zf0MuA6CHKkoE7fLyLvc/p+2t7QZ8KRK4xsLN48nV5M5aUkxz3haCY53wnR8Izo+ZQAlZBtqx40CCppvLi5Ynpl+ZMneTe8fRMUZVGWcU3kZEwEgtu0+rkHzrtH3+ehCHiSC2JrBqVULQsnH6xaOU+TxG+4mYkayv9ak2g2Kjp7WxQI1G4s35uek/7J/y8ebirLS9SjrmJzZVWUCH5cZky60qaZ3xHPDfYOaPiSqNHeC8T1dBY7ojTl9t3z3qN7TinC8E+aGHJWQ8jZAXmMtp6pIkumwoTg3LefaybR9G788ChSWV+IDynYirrImAQBp021Mw6adhg3T+YVFCmrNUAKiyKaaVeCo3pjTx5s7j6j4Zd1BhF0AfDytiy2USplGQ8HK/Kz0jSf/WbQj++pxq6NyVuKzfbdSXjlP0IU01XQbMmtwQEizEWqNb5QyT62tEkYBpN/apHH7Pa0Ix3th7pwiEjertJey0kBwN2tZ1YVS6ZLJqP/HZCjcX5Cbvv/CgfVHb1zaUYDyI1srgi6kqbptt7HNght16OmjC+4tanR9BEHdHbUkY3RCrkSk/nVhj7OoqSnTQImSW2dVCUqpXjIbtpsMBbuLCzIO37h84NCpf1ZcAwqdBT7WNXpAiTPyJe1vG9soLLx7B61/g9s0av8+gqjuq+Rei1WFgD6xLin2C0/rwfFuFCkB3D0zNUxtxC5QKLoVT02gVMqkknSRUtNlKkkFoJKeUqkIgAhB9CMQ/IkgBAuiujkhQjMwmJbPCEpARq5LGrfO04q4B0qiEpYvAXC/pzWpLBRSLihNl8yma1QyX6eUFhNIRonCJBCihSAGCkQMJERoTESxFUCUXNReIyiQtD5p3DTUko2DOd6LYvXpyIRlXQiEnQA8scCUY4EAz69LivnI03q4k4hHvtVq1UGbAAz2tC71GUrxZ2COadjSpROU3GOTU0dRdPA0Mj51DCFYoaRMji3kh7SksZPrYlR798zUMI0BO2rF7ND6yXliMvVb9+0ERR48yqn7KDomsn5hzEqAzlRSJqeEDXpj9tS66JgA4Lf/i8kAIdFQ6KnMHBsoMiQJo7lj4rgTxQfs05JivwIBX/ugLFvURD3Om2fmVYZ1C8adoRIZBcBrFhTXAbIEQu7Z8HXMYU8rwqlbeGxNRGR8yiuEkHc9Jb/+QLfr1ebILV9NUOxJxZ4m8rHl/SDQ9QQI9rQudZwciZK7Nywct8fTinDqHh6b6rx+Yez/KPCWp+TXE/4xEfOI+uSYAGD91+N2gdC7QZHhaV0cMRvrTPKaJxAhkjsmDis8vpo8amrqE6D4tDbo4gyzUQ9R7ck9WasJRRrRae9b98WIXE+r4ilGTF3RTaLSJrhph/zLJ3/Hqd0/w1icj7Dw7uge8QRUGnmWt0Gfi20pz6C4MBPDp/yC7OuncGjLZ5AkM7reMQMNm/dG1tWjOLHrBwy49z13qOM5KK4KojR67fzxuz2tCqfu4vFFomkLYj4HaCwAt4eUl0/+ji0/TsXGbx/A3g2zYTKUboycfvoPpCXF4OLxjQCAzCtH8cdP07B5STxuXNwLAMi6ehT/rHvT3WopwXx9s5DR9dkxAcDaBWMPmQVpCAhO1LQtk7EIh/8Clq/ULTsOhLXL+zC+cO/lvz+0B9fwqDPKfn52PYkdBrwCLpHPIEjf80DpRTHtn+N9n28ZjmWK44IlA7gjonDGo87JwBIS4pdTigdCuCmu9osrzMxFOXg2I5v0LzTcDTvNAxAHepMKF5ISxo3fUviUJOnVakNbJw/pTWQAaAIq2mbRFBRHDjTmjW4S4QQYQgqAAAFw6vQfbVY2jdfWzJdyWzERpdMHx8gyFJRlw6vhG+gU0QFt69pmp4ELLJREyD134de8HTmnDqPrXCOQHAuoWxOwkhA0DIPne16aozObptAYz6PFw+tRl/r34N+oLMutCZ5FKQ8WkLYz6sq9PFq8uK78ZlB+SYRgH4pLptqNQ6dOw/GecPrcKfyTPhF9QULbuOQF7GeZzY9T06D4qH1jcEgOyYOvafjL0b3sPOVa+gXe8JOLs/BeEdhmLnqpexLfUZZKZ71+Q2SuncG+T6iE0LJuRU/G0Op+bUunGe6FlrfaDXv0+BJ2va1oUja3Fs+0IAgH9Icwwc+z7ysy5jx4rn0a7PfQi9pQv2b/oIDZr1QpM2g3Dojy9AqYQOtz2IcwdW4NbBCTizPwVmUzE6D5iC0KZda3x+jNglUdXEDQvvPedpRWo7kQkpkwjIV6jiTiX6gpv485eZaHFrFMLCe+DQls8R3uEuiCofnN77i913RZUWwx79EVQyg4LixN/fQ6MNxI1/dyO8w13Q+jfA4T/D0Mf/Nqdp8YECmQDJH590rgUT+vCqV/UmszJyrovRhSvS4p5CqBjAGRWtx19wU2c+HsRWnUbjT5Rr8FQlIPTe5KRm3EWANCs4zCE3tIVQY3aIz/7Ehq1vA13PfQt7pr0HQpyrqBZp2E4s28ZwtsPRYfbHsKBzXPcdYpuhYB+cIPcGMIdU+VYnxT7g0RV3QFU6RlWJkMhJLMRBTnpyL15BmZTMQz6HDTrdA8GjJmNAWNmo3WPcQCAviNeByBn7oW5V3Hz0j607j4GktkIlY8f1D7+kMxGt58bA7aJEu3JHRPHE9Q652QlLSl2FaG0B0DWV+fvXXUmASEtAABHt83HmX1LkXHpAIIby48E8rLO5BIgRa1Lin1xz4JptU652syGhfeeC8g2DaWEvAigUtfOP6QFOtz2EHJvnsXZ/akIbtwR7fvcD61fGIIbdUBwow7wDZAnBQY1aFvyd6d3/4RO/R+BIKrReVA8Tu5ajL0bZqPrHTOYnJubMILQN/XhIRF8fInjKWpdWa8slEQmrIgjoJ8CuKUqf3l2fyouHFkDk6EQwY07otsd/4HWvwH+PZqGs/tTYTIWomGLPugyeFrJlOD9mz5EeIe70LBFH2RdPYaDWz6H2VSMLkOmonGrASxOsKqYAczRq01v1rf1SyyIil/WHRDmgWAgi/a9cCnCZolIM+rC41Q43o0XOCeZe6YmB6mo+m3L3nzMMr7a3ZnQ7aB0etrC8Qc9rUndgpLIqan3E0o+ABDuaW08AQGuSYQ+s35BzE98Qg2nNuA1zslK9GPLelFBeBvASE/roiBnCMVb/ZsdXJyYmCh5Wpm6yvBJ6/0Ebf5LAHketezpuuygBaDkC62JvL/iu3HZntaGw7Hidc7JSuRjy/sRAW8AdISndWHIGYC8ow8PXszXLSlHdHxKM0kQniWUTgXgNQ/6qyKFBPRLmMwf8d3EObURr3VOViIfW95PEOh/qZxJef35AAAFjhGQD7hT8iyjp65uYKDGWQSYBSDE0/q4AwpkE4IkScBHG+bFXPe0PhyOK+pEZw4AIx5LaUmJ8Bgl9DEATT2tTzUwEEqWSSDz1i8cs5XX/WsP905ZGVCskiYTCZNBaF9P61MdKOjfBMK8AH/jL0vnTCjytD4cTkXUGedkJSJxs8rnUtZIQpAAYBgAjad1qoADBFisIurvVi8Y7bbtmzhsiJ624lZJkh4mwCTU/iDoCqV0hUBp0rqvx7tt5xUORwnqnHOy5d4pKwMMgnkYgHtBMBJAA0/rBHkq+B8gWAmBrEqbN+68pxXiVJ24uGQxN0S8Q6CIoiBRAGrLPlcnKbBcJMLyfk33/8Mn0HC8lTrtnGyJi0sW8wPFAVQQ7qCQ+hGQ/qjiuqlqUgRgNwHdQSn5m1LTlvVfT6j2zhec2smwKSubiqI0HKDDCdCXAu0VEn0UFNtByDYqCVvXfz3mtEJyORym1Bvn5IxRjyeHm8xiP0KFXhKhLQnQEvKrOQCxis3lgpAzoPQMBc4IwBmJ0D03cfMQ38Gh/nHvlJUBRmLqLolCL1DaiwCtAYQDNBwgflVszgzQcxTkFAE5TSCdoqAnqST9wwMdTl2lXjsnV8TFJYs5/pqmRGUKJCC+ggCdGcSXmOFLCSECQZ6ZknwVQZ4k0DyRqHPWzB2ZzScxcCqGkuhZ6wKEIn24RGkoJYJaAlULkNREEDUAQCVkCwTZkohsrR7ZPVsdyOXlOQ6Hw+FwOBwOh8PhcDgcDofD4XDKJRbAScgz2nYC6GLzuzsA3ADg7JGhKgDU8tJb2vgAQEOWyjrwKQB37kX2OoBrlja/hDwe6AvgB8uxwwAiLN/1A/ALgFwAlwBMsRy/FcAOyNfzNOTrW18JhHyN8iDb0Vs2v2sGYA9k+3G2vOAdlNrXdQC/ARjFUlkHgi2yn3JTe2Mg3yMFANaj9JyjARyH/Ny0JJTuJ+jMFss7zuHUKUQAfwM4BeAFyB3IWsvvpgAwQL5pynNOWwC8DOAnyM/lOQ2541aCmjgntcPPt0M+n8WQOwkKIBLAm5CvwyuQnfd1ADoA/7V8JxHAH5DP3Q/AFwByIF+TPZA75lr7zC7GPATZfr4CkAz5evUDcBuAK5bfVeScXgHwHuSOnQJ4nLnWMjVxTgT2M021kJ3S3wBeg2xP71lkZEO+h96AvP7uObi2RVfHOZw6iwby1O3DAFZZjk0G8ASAhSjfOX1kc2y65djDlp9fBXAZstN72nIsEHImkgXgAoA7AXSGfIPmQ346anMAfS1trbN8dxuATyDfzDst7XwK+abfANkJpKDUMd4L4CjkzGYRZGf0HEpv7hyH8wkE0AtyRzLa8r1oAPsBrLF85y7L8QgATQD0sBz/GIAJQIDlZwFyh7vIontVp8TXNYIgOxUKoDeAbgDmQw6AKnJO1ke5+wE4A+Cs5Wdn/1+g1OYyATwLe3s7DWCo5XtWW0sHcA6y00iHbJO9Ueqc/gBwFXJ2fK/lb8uz1xSLLNsHj6kAdAXQCLLd5AN4H8BYy9/cZvnen5Z2Xdmiq+McTp1lPGRDz4Rs/LZUxTl1shx7DcD9ACTIkd3jls+dIHdKuQBmQM4ufACcAPArgA4ADgH4EaU3+3cAnrF8XgpgquXzg5CdkwS5Q3oJcuT5KoBWkEuNrwPob/k8FaXOaTbkKNQZ4yA7vC2QnfYlyzUA5E6JAphg+ZkAeNdy7D2bNhpYjpkAPOZCTn3iMEr/l7Y8hMo7JwD4GXKG2grO/7/3o/R/8YLle/MBXIRcbv0OsuMikB3EPsidezHk0lok5KAlCaXO6W/IwdYOyIGRH8q313WQA65gJ+fUGbJzvWLRLd7yN80sv/8FssO14miLFR3ncOocDQHcA+AfyJGgLVVxTgmWY/dBdhxmyFHnDcvxiZAzkVSbv7F2AjmW7xZB7iisN/u9ANpZPk+y+f6TFhknbdo6BDlytUakNyxtmgHMQ6lzCnVxHZ61fHcp5NIdYJ853Y3SzEkLuTMxA3jRoR015Aj9W8gZXZALefWF2yCXxyjka2ilKs5JCzlzOgbX/99PIQdYtuyHbFNXIdsYRWn28onlO5cAfG3z/eUotbMHLMdjLT8PQvn2GuPiGtwFOaM6DHkxMFA2c/oLssMBnNtiecc5HLej8qBsHeRxkWLIpa5GKFvuqojekKPUzpBv5AOQb25rKesdyNFucwArId+kEyFnTsGQS2InIQ/yfgB54Hi+Tfu2Cx9tF9haB4LbQc6WzJCj4xTIHYzB8jkN8kD6m5CzLVh+58g0yI52L+TxkZEADlp0fhnyGNMoADchR9PfQs6gFkPuNMdDHrT/AvJmtx8BaAM50nYc36ovzIScxcxFqQOqqqOeCdlBjYV8Pe+H6/vUMhBy/8g2/HPAHZBdkYzII93HYDs1ICKbQuW9lSQS9b5kAOg8uzVmW11teiZA9kh9oG8Ye0WyFWEjy2fB0GuALiyxaEujtsGaBxOnWEC5Fq8HnLm1N/h9xVlThSyY7gIuWO2zUregFzCuAa5kxIhd05LIJdI/oWchXSBXG/Phzye1BOlkegolGZOD8F+oPpTyGWS9ZBv8mSUjjmNhRzR5gBYBiAMpZmTbanISqLN+Vhfz1nas+p7GLJzBeTOxPH7fSGPp+yEfD3Poujq0AAAAHlJREFUAnjEiaz6QhDka58P2SF8AvvJIZXJnKjl77fCfraes/8vUGpz1jEnW3s7Bdm5wdKmNeu3Ld3uB7ACpXa2FHKGdBbyOA9Qsb06EoGytvKr5XcjIZcJsyBnb1q4tkVXxzkcDofD4XA4HA6Hw+FwOBwOh8MBgP8HSh2UHYxyehkAAAAASUVORK5CYII=\" style=\"width:100%;\"/>\n</div>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n1288407\"><span class=\"number\">7.8.4.3 </span><span class=\"title-text\">Derivatives </span></h1>\n<p>Over the Counter (OTC) derivatives are primarily used by a.s.r. to manage the interest-rate risks incorporated into the insurance liabilities. Interest-rate derivatives are traded with a well-diversified and qualitative dealer panel with whom there is an established International Swaps and Derivatives Association (ISDA) contract and a Credit Support Annex (CSA) in place. These CSAs include specific agreements on the exchange of collateral limiting market and counterparty risk. The outstanding value of the interest rate derivative positions is matched by collateral received from eligible counterparties, minimising the net counterparty default risk. </p>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n1288377\"><span class=\"number\">7.8.4.4 </span><span class=\"title-text\">Reinsurance </span></h1>\n<p>a.s.r. collaborates with reinsurers for fire and catastrophe risk. When entering into reinsurance contracts for fire and catastrophe, a.s.r. requires the counterparty to be rated at least single A. With respect to long-tail business and other sectors, the minimum permitted rating is single A. </p>\n<p>The table below shows the exposure to reinsurers per rating. The total exposure to reinsurers at year-end 2023 was \u20ac\u00a0-90 million (2022: \u20ac\u00a0309 million). The negative exposure in 2023 was entirely the result of the exposure of Aegon NL (\u20ac\u00a0-445 million) and the exposure of other entities (\u20ac\u00a0355 million). The table below does not include Aegon NL. </p>\n<h3 class=\"table-title\">Composition reinsurance counterparties by rating </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:0%;\"/><col style=\"width:14%;\"/><col style=\"width:14%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:middle;\"><b>31 December 2023 </b></th><th class=\"startCol-3 endCol-3 valign-middle align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:middle;\"><b>31 December 2022 </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-top-1\" style=\"text-align:left;vertical-align:bottom;\">AAA </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">0% </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-top-1\" style=\"text-align:right;vertical-align:bottom;\">0% </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom\" style=\"text-align:left;vertical-align:bottom;\">AA </td><td class=\"startCol-2 endCol-2 valign-bottom align-right format-highlight\" style=\"text-align:right;vertical-align:bottom;\">87% </td><td class=\"startCol-3 endCol-3 valign-bottom align-right\" style=\"text-align:right;vertical-align:bottom;\">86% </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom\" style=\"text-align:left;vertical-align:bottom;\">A </td><td class=\"startCol-2 endCol-2 valign-bottom align-right format-highlight\" style=\"text-align:right;vertical-align:bottom;\">10% </td><td class=\"startCol-3 endCol-3 valign-bottom align-right\" style=\"text-align:right;vertical-align:bottom;\">14% </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1\" style=\"text-align:left;vertical-align:bottom;\">NR </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">0% </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1\" style=\"text-align:right;vertical-align:bottom;\">0% </td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>100% </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>100% </b></td></tr></tbody></table> <br/>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n1288347\"><span class=\"number\">7.8.4.5 </span><span class=\"title-text\">Receivables </span></h1>\n<p>The receivables with a counterparty default risk amounted to \u20ac\u00a02,404 million at year-end 2023. This mainly consits of insurance and intermediaries receivables (\u20ac\u00a0229 million), reinsurance receivables (\u20ac\u00a031 million), health insurance fund (\u20ac\u00a0159 million) and other (non-insurance) receivables (\u20ac\u00a01,985 million). </p>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n1288227\"><span class=\"number\">7.8.4.6 </span><span class=\"title-text\">Cash and cash equivalents </span></h1>\n<p>The current accounts on the balance sheet amounted \u20ac\u00a04,303 million in 2023 (2022: \u20ac\u00a01,756 million). The increase in 2023 (\u20ac\u00a02,548 million) was almost entirely the result of the acquisition of Aegon NL. </p>\n<h3 class=\"table-title\">Composition cash accounts by rating </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:0%;\"/><col style=\"width:14%;\"/><col style=\"width:14%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:middle;\"><b>31 December 2023 </b></th><th class=\"startCol-3 endCol-3 valign-middle align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:middle;\"><b>31 December 2022 </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-top-1\" style=\"text-align:left;vertical-align:bottom;\">AAA </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">773 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-top-1\" style=\"text-align:right;vertical-align:bottom;\">0 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom\" style=\"text-align:left;vertical-align:bottom;\">AA </td><td class=\"startCol-2 endCol-2 valign-bottom align-right format-highlight\" style=\"text-align:right;vertical-align:bottom;\">514 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right\" style=\"text-align:right;vertical-align:bottom;\">0 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom\" style=\"text-align:left;vertical-align:bottom;\">A </td><td class=\"startCol-2 endCol-2 valign-bottom align-right format-highlight\" style=\"text-align:right;vertical-align:bottom;\">3,017 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right\" style=\"text-align:right;vertical-align:bottom;\">1,744 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1\" style=\"text-align:left;vertical-align:bottom;\">Lower than A </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">0 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1\" style=\"text-align:right;vertical-align:bottom;\">11 </td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>4,303 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>1,756 </b></td></tr></tbody></table> <br/>\n<p>a.s.r. has no deposits in scope of counterparty default risk. </p>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n1288257\"><span class=\"number\">7.8.4.7 </span><span class=\"title-text\">Expected credit loss </span></h1>\n<p>The recognition and measurement of impairments is forward-looking, and apply to all financial assets measured at amortised cost and at FVOCI. Initially, a provision is required for credit losses expected within the next 12 months. This is referred to as \u2018Stage 1\u2019. If there is a significant increase in credit risk between the moment of origination and the reporting date, but the exposure is not in default, the exposure is in \u2018Stage 2\u2019. If the exposure is in default, this is referred to as \u2018Stage 3\u2019. For both \u2018Stage 2\u2019 and \u2018Stage 3\u2019, a provision is required for expected credit losses over the remaining lifetime of the financial asset. </p>\n<div class=\"header header-2\">Expected credit loss measurement </div>\n<p>The impairment requirements outline a \u2018three-stage\u2019 model for impairment based on changes in credit quality since initial recognition as summarised below: </p><ol><li>\n<p>A financial instrument that is not credit-impaired on initial recognition is classified into \u2018Stage 1\u2019 and has its credit risk continuously monitored by a.s.r.: <br/>a) If a significant increase in credit risk (\u2018SICR\u2019) since initial recognition is identified, the financial instrument is moved to \u2018Stage 2\u2019 but is not yet deemed to be credit impaired. <br/>b) If the financial instrument is credit-impaired, the financial instrument is then moved to \u2018Stage 3\u2019. </p></li><li>\n<p>Financial instruments in Stage 1 have their ECL measured at a 12-month expected credit losses that result from default events possible within the next 12 months. </p></li><li>\n<p>Financial instruments in Stages 2 or 3 have their ECL measured based on expected credit losses on a lifetime basis. </p></li></ol>\n<p>ECL is measured on either a 12-month basis (Stage 1) or lifetime basis (Stages 2/3) depending on whether a significant increase in credit risk has occurred since initial recognition or whether an asset is considered to be credit-impaired. </p>\n<p>Expected credit losses are the discounted product of the Probability of Default (PD), Exposure at Default (EAD), and Loss Given Default (LGD), defined as follows: </p><ul><li>\n<p>PD represents the likelihood of a borrower defaulting on its financial obligation, either over the next 12 months (12-month PD), or over the remaining lifetime (lifetime PD) of the obligation; </p></li><li>\n<p>EAD is based on the amounts a.s.r. expects to be owed at the time of default, over the next 12 months (12-month EAD) or over the remaining lifetime (lifetime EAD); </p></li><li>\n<p>LGD represents a.s.r.\u2019s expectation of the extent of the loss on a defaulted exposure. LGD varies by type of counterparty, type and seniority of the claim, and availability of collateral or other credit support. LGD is expressed as a percentage loss per unit of exposure at the time of default (EAD). LGD is calculated on a 12-month or lifetime basis, where the 12-month LGD is the percentage of loss expected to be made if the default occurs in the next 12 months, and the lifetime LGD is the percentage of loss expected to be made if the default occurs over the remaining expected lifetime of the loan. </p></li></ul>\n<p>A pervasive concept in measuring ECL is that it should consider forward-looking information. a.s.r. has performed historical analyses to identify the key economic variables impacting credit risk and expected credit losses for each portfolio. Expert judgment was also applied in this process. </p>\n<p>a.s.r. employs separate models to calculate ECL on the following asset classes: </p><ul><li>\n<p>Mortgage loans; </p></li><li>\n<p>Consumer loans; </p></li><li>\n<p>SME loans; and </p></li><li>\n<p>Debt securities. </p></li></ul>\n<p>Debt securities are covered by a single model because these portfolios are all managed in a similar fashion. Asset classes not covered by the ECL calculations are considered either to have immaterial credit risk or to be short-term in nature. Given the need to adapt the models to the different portfolio characteristics, all ECL models use different key judgments and assumptions. </p>\n<p>The following tables show the changes in the loss allowance between the beginning and end of the year due to these factors (excluding Other financial assets at amortised cost): </p>\n<h3 class=\"table-title\">Government and corporate bonds measured at FVOCI </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:auto;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;\"><b>2023 </b></th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Stage 1 <br/>(12-month ECL) </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Stage 2 <br/>(Lifetime ECL) </b></th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Stage 3 <br/>(Lifetime ECL) </b></th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Total </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">At 1 January </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Changes in the composition of the group </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Loss allowance at 31 December </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>1 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>1 </b></td></tr></tbody></table> <br/>\n<h3 class=\"table-title\">Mortgage loans measured at amortised cost </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:auto;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;\"><b>2023 </b></th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Stage 1 <br/>(12-month ECL) </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Stage 2 <br/>(Lifetime ECL) </b></th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Stage 3 <br/>(Lifetime ECL) </b></th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Total </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">At 1 January </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Stage transfers </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-1 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-1 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Changes in models/risk parameters </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-1 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Changes in the composition of the group </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">3 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">4 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Loss allowance at 31 December </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>1 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>1 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>3 </b></td></tr></tbody></table> <br/>\n<h3 class=\"table-title\">Private loans measured at amortised cost </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:auto;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;\"><b>2023 </b></th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Stage 1 <br/>(12-month ECL) </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Stage 2 <br/>(Lifetime ECL) </b></th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Stage 3 <br/>(Lifetime ECL) </b></th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Purchased or Originated Credit-Impaired </b></th><th class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Total </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">At 1 January </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Stage transfers </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-4 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">3 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Net remeasurement of loss allowance </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">3 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Repayments </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-1 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-1 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-1 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-3 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Changes in models/risk parameters </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-1 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-1 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-1 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Changes in the composition of the group </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">6 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">6 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Other changes </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-1 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-1 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Loss allowance at 31 December </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>2 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>1 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>2 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>5 </b></td></tr></tbody></table> <br/>\n<p>The total of undiscounted ECL at initial recognition for purchased or originated credit-impaired financial assets recognised during 2023 amounts to \u20ac\u00a00 million. </p>\n<p>The following tables further specify the changes in gross carrying amounts to help explain their significance for the changes in the loss allowance for the same portfolios as discussed above. The gross carrying amounts in these tables are the clean values, thus excluding the accrued interest. </p>\n<h3 class=\"table-title\">Government and corporate bonds measured at FVOCI </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:auto;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;\"><b>2023 </b></th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Stage 1 <br/>(12-month ECL) </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Stage 2 <br/>(Lifetime ECL) </b></th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Stage 3 <br/>(Lifetime ECL) </b></th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Total </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">At 1 January </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Repayments </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-70 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-70 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Disposals </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-45 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-45 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Changes in the composition of the group </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">970 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">970 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Other changes </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">18 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">18 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Gross carrying amount at 31 December </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>874 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>874 </b></td></tr></tbody></table> <br/>\n<h3 class=\"table-title\">Mortgage loans measured at amortised cost </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:auto;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;\"><b>2023 </b></th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Stage 1 <br/>(12-month ECL) </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Stage 2 <br/>(Lifetime ECL) </b></th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Stage 3 <br/>(Lifetime ECL) </b></th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Total </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">At 1 January </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Stage transfers </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">506 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-510 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">4 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Purchases and originations </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">964 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">14 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">979 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Repayments </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-538 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-48 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-1 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-586 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Changes in the composition of the group </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">12,763 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">957 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">14 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">13,734 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Other changes </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">425 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">425 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Gross carrying amount at 31 December </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>14,121 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>414 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>18 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>14,552 </b></td></tr></tbody></table> <br/>\n<h3 class=\"table-title\">Private loans measured at amortised cost </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:auto;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;\"><b>2023 </b></th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Stage 1 <br/>(12-month ECL) </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Stage 2 <br/>(Lifetime ECL) </b></th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Stage 3 <br/>(Lifetime ECL) </b></th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Purchased or Originated Credit-Impaired </b></th><th class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Total </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">At 1 January </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Stage transfers </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-33 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">29 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">4 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Purchases and originations </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">5 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">5 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Repayments </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-42 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-14 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">3 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-7 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-60 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Changes in the composition of the group </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">236 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">10 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">246 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Other changes </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-1 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-1 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-2 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Gross carrying amount at 31 December </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>164 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>15 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>6 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>3 </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>188 </b></td></tr></tbody></table> <br/>\n<h1 class=\"S_PARAGRAPH\" id=\"n1288437\"><span class=\"number\">7.8.5 </span><span class=\"title-text\">Liquidity risk </span></h1>\n<p>Liquidity risk is the risk that a.s.r. is not able to meet its financial obligations to policyholders and other creditors when they become due and payable, at a reasonable cost and in a timely manner. Liquidity risk is not quantified in the SCR of a.s.r. and is therefore separately discussed. </p>\n<p>a.s.r. recognises different levels of liquidity management. First, short-term liquidity management which covers the day-to-day cash requirements and aims to meet short term liquidity risk targets. Second level covers the long-term liquidity management. This, among others, considers the strategic matching of liquidity &amp; funding needs in different business conditions in which market liquidity risk could materialise. Finally stress liquidity management refers to the ability to respond to a potential crisis situation as a result of a market event and/or an a.s.r.-specific event. </p>\n<p>Since market interest rates started rising in 2022, a.s.r. experienced liquidity outflow as a result of cash variation margin outflow related to the ISDA/CSA- and Clearing agreements of derivatives. The cash outflow was financed by returning earlier received cash collateral to counterparties and by liquidating assets. As at 31 December 2023 a.s.r. is a net receiver of cash collateral. Other sources of liquidity risk are (unexpected) lapses in the insurance portfolios and catastrophe risk. a.s.r. monitors its liquidity risk via different risk reporting and monitoring processes including cash management reports, cash flow forecasts, liquidity stress tests and liquidity dashboards in which liquidity outflows are calculated for different (stress) scenarios. For long-term liquidity management purposes, liquidity is also taken into account in the asset allocation process. </p>\n<p>a.s.r.\u2019s liquidity management principle consists of three components. First, a well-diversified funding base in order to provide liquidity for cash management purposes. A portion of assets must be held in cash and invested in unencumbered marketable securities so it can be used for collateralised borrowing or asset sales. In order to cover liquidity needs in stress events a.s.r. has committed repo-facilities in place to ensure liquidity under all market circumstances. Second, the strategic asset allocation should reflect the expected and contingent liquidity needs of liabilities. Finally, an adequate and up-to-date liquidity policy and contingency plan are in place to enable management to act effectively and efficiently in times of crisis. </p>\n<p>In managing the liquidity risk from financial liabilities, a.s.r. relies on holding liquid assets comprising cash and cash equivalents and investment grade securities for which there is an active and liquid market. These assets can be readily sold or lend to meet liquidity requirements. As at 31 December 2023, a.s.r. had cash (\u20ac\u00a04,140 million), short-term secured deposits (\u20ac\u00a0882 million) and liquid government bonds (\u20ac\u00a016,068 million). </p>\n<p>The following table shows the contractual undiscounted cash flows of the insurance liabilities based on Solvency II. All other line items as well as the total carrying value are based on IFRS principles. </p>\n<p>The insurance liabilities include the impact of expected lapses and mortality as well as non profit sharing cash flows. Profit sharing cash flows of insurance liabilities are not taken into account, nor are equities, property and swaptions. Furthermore, cash flows of the pension benefit obligations are taken into account. </p>\n<h3 class=\"table-title\">Contractual cash flows </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:auto;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Payable on demand </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>&lt; 1 years </b></th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>1-5 years </b></th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>5-10 years </b></th><th class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>&gt; 10 years </b></th><th class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Carrying value </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>31 December 2023 </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Insurance liabilities </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">621 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">4,752 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">27,817 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">23,555 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">78,211 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">99,384 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Pension Benefit Obligation </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">122 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">999 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1,289 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">6,388 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">5,218 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Derivatives liabilities </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1,520 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,508 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,802 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">4,630 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">10,132 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Savings deposits </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">9,160 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">820 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1,048 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">525 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">470 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">12,022 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Financial liabilities </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,074 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">3,914 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">3,205 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1,422 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,544 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">13,137 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Future interest payments </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">100 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">537 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">563 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1,278 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>11,856 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>11,228 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>36,114 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>30,156 </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>93,521 </b></td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>139,894 </b></td></tr></tbody></table> <br/>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:auto;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Payable on demand </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>&lt; 1 years </b></th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>1-5 years </b></th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>5-10 years </b></th><th class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>&gt; 10 years </b></th><th class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Carrying value </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>31 December 2022 </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Insurance liabilities </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">5,234 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">10,236 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">9,845 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">34,294 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">42,103 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Pension Benefit Obligation </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">64 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">540 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">725 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">3,594 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2,742 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Derivatives liabilities </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">459 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2,608 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2,006 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,310 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">5,681 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Financial liabilities </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,770 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">576 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">53 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">74 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2,059 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">4,512 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Future interest payments </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">90 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">450 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">563 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,390 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>1,770 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>6,423 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>13,887 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>13,213 </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>42,647 </b></td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>55,039 </b></td></tr></tbody></table> <br/>\n<p>The insurance contract liabilities contractual cash flows for the period 1-5 years can be split into: 1-2 years \u20ac\u00a011,688 mln (2022 \u20ac\u00a03,188 million), 2-3 years \u20ac\u00a05,523 mln (2022 \u20ac\u00a02,450 million), 3-4 years \u20ac\u00a05,346 mln (2022 \u20ac\u00a02,381 million) and 4-5 years \u20ac\u00a05,260 mln (2022 \u20ac\u00a02,216 million). </p>\n<p>When the amount payable is not fixed the amount reported is determined by reference to the conditions existing at the reporting date. </p>\n<p>Financial liabilities payable on demand include the liability recognised for cash collateral received under ISDAs, concluded with counterparties. The related cash collateral received is recognised as cash and cash equivalents, and not part of the liquidity risk exposure table. </p>\n<h1 class=\"S_PARAGRAPH\" id=\"n1288467\"><span class=\"number\">7.8.6 </span><span class=\"title-text\">Operational risk </span></h1>\n<p>Operational risk concerns the risk of direct and / or indirect losses which can occur within a.s.r. as a result of inadequate or failing (changing) internal processes, people, systems and/or as a result of external events. Operational risks occurred are most times being caused by the failure of processes, people, systems, external events or a combination of these factors. </p>\n<h3 class=\"table-title\">Operational risk - required capital </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:0%;\"/><col style=\"width:14%;\"/><col style=\"width:14%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>31 December 2023 </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>31 December 2022 </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">SCR operational risk - required capital </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">437 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">200 </td></tr></tbody></table> <br/>\n<p>The SCR for operational risk amounts to \u20ac\u00a0437 million at the end of 2023 (2022: \u20ac\u00a0200 million) and is determined with the standard formula under Solvency II. The operational risk is based on the basic SCR, the volumes of premiums and technical provisions, and the amount of expenses. </p>\n<p>Operational risk increases due to the integration of Aegon NL. There is no benefit of diversification for operational risk. </p>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfFinancialRiskManagementExplanatory",
    "language": "en",
    "entity": "scheme:7245000G0HS48PZWUD53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "ixv-793": {
   "value": "\n<h1 class=\"S_PARAGRAPH\" id=\"n1287987\"><span class=\"number\">7.8.3 </span><span class=\"title-text\">Market risk </span></h1>\n<p>Market risk is the risk of potential losses due to adverse movements in financial market variables. Exposure to market risk is measured by the impact of movements in financial variables such as equity prices, interest rates and property prices. </p>\n<p>The various types of market risk which are discussed in this section, are: </p><ul><li>\n<p>interest rate risk (including interest rate volatility risk) </p></li><li>\n<p>equity risk (including equity volatility risk) </p></li><li>\n<p>property risk </p></li><li>\n<p>currency risk </p></li><li>\n<p>spread risk </p></li><li>\n<p>concentration risk </p></li></ul>\n<p>Aegon life and Aegon spaarkas use a Partial Internal Model (PIM) to calculate the solvency position. The PIM contains separate modules for (i) interest rate risk, (ii) equity risk, (iii) property risk and (iv) spread risk. For the other risks, the Solvency II standard formula is applied. a.s.r. life, a.s.r. non-life and a.s.r. health use the Solvency II standard formula to calculate the solvency position. The total market risk is therefore the sum of the SF and IM. </p>\n<p>The main market risks of a.s.r. are interest rate, equity, property and spread risk. The total market risk amounted to \u20ac\u00a04,891 million per year-end 2023 of which \u20ac\u00a03,086 million is based on SF and \u20ac\u00a01,805 based on IM including Deterministic Adjustment (DA) (2022: \u20ac\u00a02,481 million fully based on SF). The increase of \u20ac\u00a02,321 million, is mainly the result of the acquisition of Aegon NL combined with higher equity prices. </p>\n<p>a.s.r. accepts and manages market risk for the benefit of its customers and other stakeholders. a.s.r.\u2019s risk management and control systems are designed to ensure that these market risks are managed effectively and efficiently, aligned with the risk appetite for the different types of market risks. Market risk reports are submitted to either FRC or RCC at least once a month. In these reports different types of market risks are monitored and tested against the limits according to the financial risk policies. </p>\n<p>The value of investment funds at year-end 2023 was \u20ac\u00a08,250 million (2022: \u20ac\u00a06,823 million). a.s.r. applies the look through approach for investment funds to assess the market risk. </p>\n<p>As part of PIM the DA is identified for Aegon life to mitigate volatility caused by the basis risk between (i) the EIOPA VA reference portfolio and (ii) the asset portfolio of Aegon life. The value of the DA at year-end 2023 was \u20ac\u00a088 million. Note that the DA is not included in the required capital for market risks when determining the diversification between risks. In the presented figures the DA is included in the market risk. </p>\n<p>The diversification effect shows the effect of having a well-diversified investment portfolio. </p>\n<div class=\"header header-2\">Solvency II sensitivities </div>\n<p>The Solvency II SCR is a Value at Risk-measure. Therefore, Solvency II ratio sensitivities are disclosed as the alternative analysis, instead of IFRS sensitivities, as permitted by IFRS. The sensitivities of the solvency ratio as at 31 December 2023, expressed as the impact on the group solvency ratio (in percentage points) are as presented in the table below. The total impact is split between the impact on the solvency ratio related to movement in the available capital and the required capital. The sensitivities are based on the situation per 31 December 2023 and include Financial Institutions. </p>\n<h3 class=\"table-title\">Solvency II sensitivities - market risks </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:auto;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/></colgroup><thead>\n<tr style=\"border:none;\"><th class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-left-1 border-right-1 border-top-1 headrow\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;border-bottom:1px solid;\">Effect on: </th><th class=\"startCol-2 endCol-3 valign-bottom align-center border-bottom-1 border-left-1 border-right-1 border-top-1 colspan-2 headrow\" colspan=\"2\" scope=\"col\" style=\"text-align:center;vertical-align:bottom;border-bottom:1px solid;\">Available capital </th><th class=\"startCol-4 endCol-5 valign-bottom align-center border-bottom-1 border-left-1 border-right-1 border-top-1 colspan-2 headrow\" colspan=\"2\" scope=\"col\" style=\"text-align:center;vertical-align:bottom;border-bottom:1px solid;\">Required capital </th><th class=\"startCol-6 endCol-7 valign-bottom align-center border-bottom-1 border-left-1 border-right-1 border-top-1 colspan-2 headrow\" colspan=\"2\" scope=\"col\" style=\"text-align:center;vertical-align:bottom;border-bottom:1px solid;\">Ratio </th></tr>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-left-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;\">Scenario (%-point) </th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">31 December 2023 </th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">31 December 2022 </th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">31 December 2023 </th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">31 December 2022 </th><th class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">31 December 2023 </th><th class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">31 December 2022 </th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">UFR 3.2% </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-4 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-4 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-4 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-4 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Interest rate +0.5% (incl. UFR 3.45% for 2023 and 2022) </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-2 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-2 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">+3 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">+1 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-1 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Interest rate -0.5% (incl. UFR 3.45% for 2023 and 2022) </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">+2 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">+1 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-4 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-7 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-2 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-6 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Interest steepening +10 bps </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-1 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-1 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-1 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Volatility Adjustment -10bp </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-10 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-7 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">+6 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-3 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-5 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-10 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Government spread + 50 bps / VA +10 bps (2022: VA: +10 bps) </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-5 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-3 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">+3 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-2 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-3 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Mortgage spread +50 bps </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-10 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-8 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">+3 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-7 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-7 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Equity prices -20% </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-7 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-11 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">+8 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">+14 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">+1 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">+3 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Property values -10% </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-10 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-10 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">+2 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">+4 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-8 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-6 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Spread +75bps/ VA +17bps (2022: VA +18bps) </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">+14 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">+10 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-7 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">+1 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">+7 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">+11 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Inflation +30 bps </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-1 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-2 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-2 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-2 </td></tr></tbody></table> <br/>\n<h3 class=\"table-title\">Solvency II sensitivities - explanation </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:29%;\"/><col style=\"width:71%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;\"><b>Risk </b></th><th class=\"startCol-2 endCol-2 valign-bottom border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;\"><b>Scenario </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">Interest rate risk - UFR 3.2% </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">Measured as the impact of a lower UFR. For the valuation of liabilities, the extrapolation to the UFR of 3.2% after the last liquid point of 20 years remained unchanged. The impact on available capital, required capital and ratio relates to a comparison with a solvency ratio measured at a UFR of 3.45% for 2023 and 2022. </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">Interest rate risk (incl. UFR 3.45%) </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">Measured as the impact of a parallel 0.5% upward and downward movement of the interest rates. For the liabilities, the extrapolation to the UFR (3.45% for both 2023 and 2022) after the last liquid point of 20 years remained unchanged. </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">Interest steepening </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">Measured as the impact of a linear steepening of the interest rate curve between 20Y and 30Y of 1 bps to 10 bps. </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">Volatility Adjustment </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">Measured as the impact of a 10 bps decrease in the Volatility Adjustment. </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">Government spread </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">Measured as the impact of an increase of spread on Government bonds of 50 bps. At the same it is assumed that the Volatility Adjustment will increase by 10 bps (2022: +10 bps). </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">Mortgage spread </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">Measured as the impact of a 50 bps increase of spreads on mortgages. </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">Equity risk </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">Measured as the impact of a 20% downward movement in equity prices. </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">Property risk </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">Measured as the impact of a 10% downward movement in the market value of real estate. </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">Spread risk (including impact of spread movement on VA) </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">Measured as the impact of an increase of spread on loans and corporate bonds of 75 bps. At the same time, it is assumed that the Volatility Adjustment will increase by 17 bps (2022: +18bps) based on reference portfolio. </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">Inflation risk </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">Measured as the impact of a 30 bps parallel increase of the inflation rates (EUSWI-curve). The extrapolation of the UFI remains unchanged. </td></tr></tbody></table> <br/>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n1288017\"><span class=\"number\">7.8.3.1 </span><span class=\"title-text\">Interest rate risk </span></h1>\n<p>Interest rate risk is the risk that the value of assets or liabilities will change due to fluctuations in interest rates. a.s.r. is exposed to interest rate risk, as both its assets and liabilities are sensitive to movements in long- and short-term interest rates. Insurance products are exposed to interest rate risk. Especially the life insurance products are long-term and therefore particularly sensitive to interest rate risk. The interest rate risk of insurance products depends, besides the term to maturity, on interest rate guarantees and profit-sharing features. Where applicable Knab and Aegon hypotheken prefer to hedge the risk to the extent possible. </p>\n<p>Interest rate risk is managed by aligning fixed-income investments to the profile of the liabilities. Among other instruments, swaptions and interest rate swaps are used for hedging the specific interest rate risk arising from interest rate guarantees and profitsharing features in life insurance products. An interest rate risk policy is in place for a.s.r. as well as for the registered insurance companies. Interest rate risk reports are submitted to either FRC or RCC at least once a month. In these reports the interest rate risk is monitored and tested against the limits according to the financial risk policies. </p>\n<p>The required capital for interest rate risk is determined by calculating the impact on the available capital due to changes in the yield curve. </p>\n<p>The Solvency II SF interest rate risk is the maximum loss of (i) an upward shock and (ii) a downward shock of the yield curve. </p><ul><li>\n<p>The used shocks vary by maturity and the absolute shocks are higher for shorter maturities (descending: 75% to 20% and ascending: -70% to -20%): </p></li><li>\n<p>The yield curve up shock contains a minimum shock of 100bps; </p></li><li>\n<p>The yield curve down shock is zero in case the yield curve is negative; </p></li><li>\n<p>The yield curves of all currencies are shocked simultaneously. </p></li><li>\n<p>All adjustments (credit spread, volatility adjustment) on the yield curve are considered constant. </p></li><li>\n<p>The yield curve is extrapolated to the UFR. The yield curve after shock is not extrapolated again to the UFR. </p></li></ul>\n<p>The Solvency II IM for interest rate risks differ from the standard formula results for the following reasons: </p><ul><li>\n<p>The Solvency II PIM interest rate curve shocks are calibrated based on historical market data; </p></li><li>\n<p>The Solvency II PIM assumes that the UFR does not change in a shock scenario, while the standard formula interest rate shock assumes that the whole curve moves, including the UFR; and </p></li><li>\n<p>In addition, the Solvency II PIM includes a capital requirement for interest rate volatility risk. </p></li></ul>\n<p>a.s.r. has assessed various scenarios to determine the sensitivity to interest rate risk. The impact on the solvency ratio is calculated by determining the difference in the change in available and required capital and include Financial Institutions<sup class=\"footnote cShowTooltip\" title=\"As of 2023 a.s.r. reports a Solvency II ratio including Financial Institutions. The 2022 figures have been restated accordingly.\">1</sup>. </p>\n<h3 class=\"table-title\">Solvency II sensitivities - interest rate </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:auto;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/></colgroup><thead>\n<tr style=\"border:none;\"><th class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-left-1 border-right-1 border-top-1 headrow\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;border-bottom:1px solid;\">Effect on: </th><th class=\"startCol-2 endCol-3 valign-bottom align-center border-bottom-1 border-left-1 border-right-1 border-top-1 colspan-2 headrow\" colspan=\"2\" scope=\"col\" style=\"text-align:center;vertical-align:bottom;border-bottom:1px solid;\">Available capital </th><th class=\"startCol-4 endCol-5 valign-bottom align-center border-bottom-1 border-left-1 border-right-1 border-top-1 colspan-2 headrow\" colspan=\"2\" scope=\"col\" style=\"text-align:center;vertical-align:bottom;border-bottom:1px solid;\">Required capital </th><th class=\"startCol-6 endCol-7 valign-bottom align-center border-bottom-1 border-left-1 border-right-1 border-top-1 colspan-2 headrow\" colspan=\"2\" scope=\"col\" style=\"text-align:center;vertical-align:bottom;border-bottom:1px solid;\">Ratio </th></tr>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-left-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;\">Scenario (%-point) </th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">31 December 2023 </th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">31 December 2022 </th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">31 December 2023 </th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">31 December 2022 </th><th class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">31 December 2023 </th><th class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">31 December 2022 </th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">UFR 3.2% </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-4 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-4 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-4 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-4 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Interest rate +0,5% (incl. UFR 3.45%) </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-2 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-2 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">+3 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">+1 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-1 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Interest rate -0.5% (incl. UFR 3.45%) </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">+2 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">+1 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-4 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-7 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-2 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-6 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Interest steepening +10 bps </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-1 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-1 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-1 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Volatility Adjustment -10bp </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-10 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-7 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">+6 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-3 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-5 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-10 </td></tr></tbody></table> <br/>\n<p>The interest rate sensitivity decreased compared to previous year. </p><ol class=\"footnotes\"><li>As of 2023 a.s.r. reports a Solvency II ratio including Financial Institutions. The 2022 figures have been restated accordingly. </li></ol>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n1288047\"><span class=\"number\">7.8.3.2 </span><span class=\"title-text\">Equity risk </span></h1>\n<p>The equity risk takes into account the risk arising from the sensitivity of the values of assets, liabilities and financial instruments to changes in the level or in the volatility of market prices of equities. Exposure to equity markets exists in both assets and liabilities. Asset exposure exists through direct equity investments. In order to maintain a good understanding of the actual equity risk, a.s.r. applies the look-through approach for investment funds to assess the equity risk. The equity risk of insurance products depends on guarantees and profit-sharing features. </p>\n<p>The Solvency II SF equity risk is determined by calculating the impact on the available capital due to an immediate drop in equity prices. </p><ul><li>\n<p>Equities listed in regulated markets in countries in the EEA or OECD are shocked by 39% together with the symmetric adjustment (type I). </p></li><li>\n<p>Equities in countries that are not members of the EEA or OECD, unlisted equities, alternative investments, or investment funds in which the look-through principle is not possible, are shocked by 49% together with the symmetric adjustment (type II). </p></li><li>\n<p>Investments of a strategic nature are shocked by 22%. </p></li><li>\n<p>The equity capital of the renewable investments qualifying as an infrastructure investment (e.g. wind farm Wieringermeer) is shocked by 30% together with the symmetric adjustment. </p></li></ul>\n<p>The Solvency II IM includes an equity shock, which differs from the standard formula shock: </p><ul><li>\n<p>Equity risk shocks are calibrated based on Aegon life\u2019s own portfolio. </p></li><li>\n<p>The equity exposures are also shocked for equity volatility risks. </p></li></ul>\n<h3 class=\"table-title\">Solvency II sensitivities - equity prices<sup class=\"footnote cShowTooltip\" title=\"Sensitivities include Financial Institutions.\">1 </sup></h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:auto;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/></colgroup><thead>\n<tr style=\"border:none;\"><th class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-left-1 border-right-1 border-top-1 headrow\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;border-bottom:1px solid;\">Effect on: </th><th class=\"startCol-2 endCol-3 valign-bottom align-center border-bottom-1 border-left-1 border-right-1 border-top-1 colspan-2 headrow\" colspan=\"2\" scope=\"col\" style=\"text-align:center;vertical-align:bottom;border-bottom:1px solid;\">Available capital </th><th class=\"startCol-4 endCol-5 valign-bottom align-center border-bottom-1 border-left-1 border-right-1 border-top-1 colspan-2 headrow\" colspan=\"2\" scope=\"col\" style=\"text-align:center;vertical-align:bottom;border-bottom:1px solid;\">Required capital </th><th class=\"startCol-6 endCol-7 valign-bottom align-center border-bottom-1 border-left-1 border-right-1 border-top-1 colspan-2 headrow\" colspan=\"2\" scope=\"col\" style=\"text-align:center;vertical-align:bottom;border-bottom:1px solid;\">Ratio </th></tr>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-left-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;\">Scenario (%-point) </th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">31 December 2023 </th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">31 December 2022 </th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">31 December 2023 </th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">31 December 2022 </th><th class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">31 December 2023 </th><th class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">31 December 2022 </th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Equity prices -20% </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">-7 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">-11 </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">+8 </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">+14 </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">+1 </td><td class=\"startCol-7 endCol-7 valign-middle align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">+3 </td></tr></tbody></table><ol class=\"footnotes width-50\"><li> Sensitivities include Financial Institutions. </li></ol> <br/>\n<div class=\"header header-2\">Composition of equity portfolio </div>\n<p>The total fair value of equities and similar investments at year-end 2023 was \u20ac\u00a03,738 million (2022: \u20ac\u00a02,604 million). The increase in 2023 was mainly due to the acquisition of Aegon NL. Please note that the total fair value of equities and similar investments referred to in this section does not include \"Assets held for index-linked and unit-linked contracts\". Although the risks of these assets are primarily for the policyholders, guarantees within certain products may transfer some of the risk to a.s.r. </p>\n<p>The equities are diversified across the Netherlands (including participating interests), other European countries and the United States. A limited part of the portfolio consists of investments in emerging markets and alternatives. A portfolio of options with a value of \u20ac\u00a030 million is in place to mitigate the equity risk. </p>\n<p>The table below shows the exposure of the equity portfolio to different categories. The total value is including the equities in externally managed funds. The category Other contains the investments of ASR infrastructure Renewables (AIR) in windmill - and solarparks which are in scope of 'Qualifying infrastructure equities other than corporate' (\u20ac\u00a0190 million). </p>\n<p>Please note that the total exposures to equity referred to in this section does not include \"Assets held for index-linked and unit-linked contracts\". Although the risks of these assets are primarily for the policyholders, guarantees within certain products may transfer some of the risk to a.s.r. </p>\n<h3 class=\"chart-title width-50\">Composition equity portfolio </h3>\n<div class=\"chart width-50 \"><img alt=\"\" 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\" style=\"width:100%;\"/>\n</div>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n1288077\"><span class=\"number\">7.8.3.3 </span><span class=\"title-text\">Property risk </span></h1>\n<p>The property risk takes into account the risk arising from the sensitivity of the values of assets, liabilities and financial instruments to changes in the level or in the volatility of market prices of real estate. The property risk depends on the total exposure to real estate. In order to maintain a good understanding of the actual property risk, a.s.r. applies the look through approach for investment funds and participations which activities are primarily real estate investments. </p>\n<p>The Solvency II SF property risk is determined by calculating the impact on the available capital due to an immediate drop in property prices by 25%. Both assets and liabilities are taken into account. The product Agrarische Impact Erfpacht (AIE) has effectively a lower charge due to the underlying risk mitigating characteristics of this product. </p>\n<p>The Solvency II IM for property risk includes an IM property shock, which differs from the standard formula shock. </p>\n<p>The sensitivity of the solvency ratio to changes in property value is monitored on a monthly basis. Sensitivity of regulatory solvency (Solvency II) to changes in property prices is shown in the following table. </p>\n<h3 class=\"table-title\">Solvency II sensitivities - property values<sup class=\"footnote cShowTooltip\" title=\"Sensitivities include Financial Institutions.\">1 </sup></h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:auto;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/></colgroup><thead>\n<tr style=\"border:none;\"><th class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-left-1 border-right-1 border-top-1 headrow\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;border-bottom:1px solid;\">Effect on: </th><th class=\"startCol-2 endCol-3 valign-bottom align-center border-bottom-1 border-left-1 border-right-1 border-top-1 colspan-2 headrow\" colspan=\"2\" scope=\"col\" style=\"text-align:center;vertical-align:bottom;border-bottom:1px solid;\">Available capital </th><th class=\"startCol-4 endCol-5 valign-bottom align-center border-bottom-1 border-left-1 border-right-1 border-top-1 colspan-2 headrow\" colspan=\"2\" scope=\"col\" style=\"text-align:center;vertical-align:bottom;border-bottom:1px solid;\">Required capital </th><th class=\"startCol-6 endCol-7 valign-bottom align-center border-bottom-1 border-left-1 border-right-1 border-top-1 colspan-2 headrow\" colspan=\"2\" scope=\"col\" style=\"text-align:center;vertical-align:bottom;border-bottom:1px solid;\">Ratio </th></tr>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-left-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;\">Scenario (%-point) </th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">31 December 2023 </th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">31 December 2022 </th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">31 December 2023 </th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">31 December 2022 </th><th class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">31 December 2023 </th><th class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">31 December 2022 </th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Property values -10% </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">-10 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">-10 </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">+2 </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">+4 </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">-8 </td><td class=\"startCol-7 endCol-7 valign-middle align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">-6 </td></tr></tbody></table><ol class=\"footnotes width-50\"><li> Sensitivities include Financial Institutions. </li></ol> <br/>\n<div class=\"header header-2\">Composition of property portfolio </div>\n<p>The property risk depends on the total exposure to property, which includes both property investments and property held for own use. The fair value of property was \u20ac\u00a09,193 million at year-end 2023 (2022: \u20ac\u00a05,001 million). The increase in 2023 (approximately \u20ac\u00a04,192 million) was a result of the acquisition of Aegon NL (approximately \u20ac\u00a04,272 million), a decrease of property values (approximately \u20ac\u00a0-149 million), improved lookthrough data of property funds (approximately \u20ac\u00a056 million) and transactions (approximately \u20ac\u00a012 million). </p>\n<p>Please note that the total exposures to property referred to in this section does not include \"Assets held for index-linked and unit-linked contracts\". Although the risks of these assets are primarily for the policyholders, guarantees within certain products may transfer some of the risk to a.s.r. </p>\n<h3 class=\"chart-title width-50\">Composition property portfolio </h3>\n<div class=\"chart width-50 \"><img alt=\"\" src=\"data:image/png;base64,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\" style=\"width:100%;\"/>\n</div>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n1288107\"><span class=\"number\">7.8.3.4 </span><span class=\"title-text\">Currency risk </span></h1>\n<p>Currency risk measures the impact of losses related to changes in currency exchange rates. The table below provides an overview of the currencies with the largest exposures. a.s.r. has currency risk to insurance products in American dollars (USD), Australian dollars (AUD), South African Rands (ZAR) and Canadian dollars (CAD). </p>\n<p>A currency risk policy is in place for a.s.r. as well as for the registered insurance companies. For different investment categories a.s.r. has defined a target hedge ratio. Currency risk reports are submitted to either FRC or RCC at least once a month. In these reports the currency risk is monitored and tested against the limits according to the financial risk policies. </p>\n<p>The required capital for currency risk is determined by calculating the impact on the available capital due to a change in exchange rates. Both assets and liabilities are taken into account and a look-through approach is applied for investment funds. For each currency the maximum loss due to an upward and a downward shock of 25% is determined except for a small number of currencies where lower shocks are applied (a.o. Danish crown). </p>\n<h3 class=\"table-title\">Currency risk - required capital </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:0%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>31 December 2023 </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>31 December 2022 </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-middle align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">SCR currency risk - required capital </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">226 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">135 </td></tr></tbody></table> <br/>\n<p>In 2023 the Solvency II SF currency risk has increased with \u20ac\u00a090 million. The main reason for this increase is the acquisition of Aegon NL (\u20ac\u00a050 million). The remaining increase of \u20ac\u00a040 million can be explained by an increase in equity prices and a lower currency hedge ratio for non-euro equities. The increase is partly offset by an increase in the currency hedge ratio for USD bonds. </p>\n<div class=\"header header-2\">Specification currencies with largest exposure </div>\n<p>The total foreign exchange exposure at year-end 2023 was \u20ac\u00a0772 million (2022: \u20ac\u00a0573 million). The increase in 2023 (approximately \u20ac\u00a0200 million) was the result of the acquisition of Aegon NL ( \u20ac\u00a0-6 million), an increase in equity prices and a lower currency hedge ratio for non-euro equities. Please note that the total foreign exchange exposure referred to in this section does not include \"Assets held for index-linked and unit-linked contracts\". Although the currency risk of these assets are primarily for the policyholders, guarantees within certain products may transfer some of the risk to a.s.r. </p>\n<h3 class=\"chart-title width-50\">Composition currency portfolio </h3>\n<div class=\"chart width-50 \"><img alt=\"\" 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\" style=\"width:100%;\"/>\n</div>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n1288137\"><span class=\"number\">7.8.3.5 </span><span class=\"title-text\">Spread risk </span></h1>\n<p>Spread risk arises from the sensitivity of the value of assets and liabilities to changes in the level of credit spreads on the relevant risk-free interest rates. a.s.r. has a policy of maintaining a well-diversified high-quality investment grade portfolio while avoiding large risk concentrations. Going forward, the volatility in spreads will continue to have possible short-term effects on the market value of the fixed income portfolio. In the long run, the credit spreads are expected to be realised and contribute to the growth of the own funds. Exposure to spread risk exists in both assets and liabilities. Asset exposure exists mainly through fixed income investments and mortgages. In order to maintain a good understanding of the actual spread risk, a.s.r. applies the look-through approach for investment funds. The spread risk of insurance products depends on guarantees and profit-sharing features. </p>\n<p>The Solvency II SF spread risk is equal to the sum of the capital requirements for bonds, structured products and credit derivatives. Bonds and loans guaranteed by governments or international organisations could be in scope of counterparty default risk instead of spread risk. The capital requirement depends on (i) the market value, (ii) the modified duration and (iii) the credit quality category. </p>\n<p>The Solvency II PIM for spread risk includes an IM spread shock which differs from the standard formula: </p><ul style=\"margin-bottom:0px;\"><li>\n<p>Spread shocks are calibrated on the basis of Aegon life\u2019s fixed income portfolio. </p></li><li>\n<p>In contrast to the standard formula, government bonds are shocked with a factor larger than zero. </p></li><li>\n<p>Mortgages are in scope of the spread risk module, while under the standard formula mortgages are in scope of counterparty default risk. Hence, as a result, the spread risk inherent in a.s.r.'s mortgage portfolio is partly included in this section and partly under counterparty default risk. In particular, the mortgage portfolios of Aegon life and Aegon spaarkas are included in this section since these entities use the Partial Internal Model (PIM), while the mortgage portfolios of a.s.r. life, a.s.r. non-life and a.s.r. health are included under counterparty default risk since these entities apply the Solvency II Standard Formula (SF). </p></li></ul><ul style=\"margin-bottom:0px;\"><li>\n<p>Furthermore, the Solvency II PIM makes use of a dynamic volatility adjustment approach within Aegon life, while the standard formula does not. The Dynamic Volatility Adjustment methodology follows an asset-only approach, ensuring spread widening is the biting scenario. </p></li></ul><ul><li>\n<p>The performance of the fixed income portfolio is assessed under a broad range of credit scenarios and the model determines which part of the (short-term) losses experienced by the assets are recouped. </p></li></ul>\n<p>The sensitivity to spread risk is measured as the impact of an increase of spread on loans and corporate bonds of 75 bps. The VA is based on a reference portfolio. An increase of 75 bps of the spreads on loans and corporate bonds within the reference portfolio leads to an increase of the VA with 17 bps in 2023 (2022: 18 bps). The credit spread sensitivity decreased from +11 to +7. </p>\n<h3 class=\"table-title\">Solvency II sensitivities - spread risk<sup class=\"footnote cShowTooltip\" title=\"Sensitivities include Financial Institutions.\">1 </sup></h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:auto;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/></colgroup><thead>\n<tr style=\"border:none;\"><th class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-left-1 border-right-1 border-top-1 headrow\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;border-bottom:1px solid;\">Effect on: </th><th class=\"startCol-2 endCol-3 valign-bottom align-center border-bottom-1 border-left-1 border-right-1 border-top-1 colspan-2 headrow\" colspan=\"2\" scope=\"col\" style=\"text-align:center;vertical-align:bottom;border-bottom:1px solid;\">Available capital </th><th class=\"startCol-4 endCol-5 valign-bottom align-center border-bottom-1 border-left-1 border-right-1 border-top-1 colspan-2 headrow\" colspan=\"2\" scope=\"col\" style=\"text-align:center;vertical-align:bottom;border-bottom:1px solid;\">Required capital </th><th class=\"startCol-6 endCol-7 valign-bottom align-center border-bottom-1 border-left-1 border-right-1 border-top-1 colspan-2 headrow\" colspan=\"2\" scope=\"col\" style=\"text-align:center;vertical-align:bottom;border-bottom:1px solid;\">Ratio </th></tr>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-left-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;\">Scenario (%-point) </th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">31 December 2023 </th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">31 December 2022 </th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">31 December 2023 </th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">31 December 2022 </th><th class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">31 December 2023 </th><th class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">31 December 2022 </th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Spread +75bps/ VA +17bps (2022: VA +18bps) </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">+14 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">+10 </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">-7 </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">+1 </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">+7 </td><td class=\"startCol-7 endCol-7 valign-middle align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">+11 </td></tr></tbody></table><ol class=\"footnotes width-50\"><li> Sensitivities include Financial Institutions. </li></ol> <br/>\n<div class=\"header header-2\">Composition of fixed income portfolio </div>\n<p>Spread risk is managed on a portfolio basis within limits and risk budgets established by the relevant risk committees. Where relevant, credit ratings provided by the external rating agencies are used to determine risk budgets and monitor limits. A limited number of fixed-income investments do not have an external rating. These investments are generally assigned an internal rating. Internal ratings are based on methodologies and rating classifications similar to those used by external agencies. </p>\n<p>The following tables provide a detailed breakdown of the fixed-income exposure by (i) rating class and (ii) sector. Assets in scope of spread risk are, by definition, not in scope of counterparty default risk. The total exposure of assets in scope of spread risk is \u20ac\u00a051,911 million (2022: \u20ac\u00a020,653 million). The increase in 2023 (\u20ac\u00a031,258 million) was almost entirely the result of the acquisition of Aegon NL. </p>\n<p>The portfolio decomposition changed due to the acquisition of Aegon NL. Among others, the mortgage portfolios of Aegon life and Aegon spaarkas are included as per 31 December 2023. In particular, this led to a significant increase of the non-rated fixed income percentage from 11% to 33%. </p>\n<p>Please note that the total fixed-income exposure referred to in this section does not include \"Assets held for index-linked and unit-linked contracts\". Although the risks of these assets are primarily for the policyholders, guarantees within certain products may transfer some of the risk to a.s.r. </p>\n<h3 class=\"chart-title width-50\">Composition fixed income portfolio by sector </h3>\n<div class=\"chart width-50 \"><img alt=\"\" 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\" style=\"width:100%;\"/>\n</div>\n<h3 class=\"chart-title width-50\">Composition fixed income portfolio by rating </h3>\n<div class=\"chart width-50 \"><img alt=\"\" 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\" style=\"width:100%;\"/>\n</div>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n1288167\"><span class=\"number\">7.8.3.6 </span><span class=\"title-text\">Market risk concentrations </span></h1>\n<p>Concentrations of market risk constitute an additional risk to an insurer. Concentration risk is the concentration of exposures to the same counterparty. Other possible concentrations (region, country, etc.) are not in scope. The capital requirement for concentration risk is determined in three steps: </p><ol><li>\n<p>determine the exposure above threshold. The threshold depends on the credit quality of the counterparty; </p></li><li>\n<p>calculation of the capital requirement for each counterparty, based on a specified factor depending on the credit quality; </p></li><li>\n<p>aggregation of individual capital requirements for the various counterparties. </p></li></ol>\n<p>According to the spread risk module, bonds and loans guaranteed by a certain government or international organisation are not in scope of concentration risk. Bank deposits can be excluded from concentration risk if they fulfil certain conditions. </p>\n<p>a.s.r. continuously monitors exposures in order to avoid concentrations in a single obligor outside of the risk appetite and has an overall limit on the total level of the required capital for market risk concentrations. The calculation of the market risk concentrations applies to the total investment portfolio, where, in line with Solvency II, government bonds are not included. </p>\n<p>The required capital for market risk concentrations is nil as per year-end 2023 (2022: nil). </p>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfMarketRiskExplanatory",
    "language": "en",
    "entity": "scheme:7245000G0HS48PZWUD53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "ixv-795": {
   "value": "\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n1288107\"><span class=\"number\">7.8.3.4 </span><span class=\"title-text\">Currency risk </span></h1>\n<p>Currency risk measures the impact of losses related to changes in currency exchange rates. The table below provides an overview of the currencies with the largest exposures. a.s.r. has currency risk to insurance products in American dollars (USD), Australian dollars (AUD), South African Rands (ZAR) and Canadian dollars (CAD). </p>\n<p>A currency risk policy is in place for a.s.r. as well as for the registered insurance companies. For different investment categories a.s.r. has defined a target hedge ratio. Currency risk reports are submitted to either FRC or RCC at least once a month. In these reports the currency risk is monitored and tested against the limits according to the financial risk policies. </p>\n<p>The required capital for currency risk is determined by calculating the impact on the available capital due to a change in exchange rates. Both assets and liabilities are taken into account and a look-through approach is applied for investment funds. For each currency the maximum loss due to an upward and a downward shock of 25% is determined except for a small number of currencies where lower shocks are applied (a.o. Danish crown). </p>\n<h3 class=\"table-title\">Currency risk - required capital </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:0%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>31 December 2023 </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>31 December 2022 </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-middle align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">SCR currency risk - required capital </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">226 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">135 </td></tr></tbody></table> <br/>\n<p>In 2023 the Solvency II SF currency risk has increased with \u20ac\u00a090 million. The main reason for this increase is the acquisition of Aegon NL (\u20ac\u00a050 million). The remaining increase of \u20ac\u00a040 million can be explained by an increase in equity prices and a lower currency hedge ratio for non-euro equities. The increase is partly offset by an increase in the currency hedge ratio for USD bonds. </p>\n<div class=\"header header-2\">Specification currencies with largest exposure </div>\n<p>The total foreign exchange exposure at year-end 2023 was \u20ac\u00a0772 million (2022: \u20ac\u00a0573 million). The increase in 2023 (approximately \u20ac\u00a0200 million) was the result of the acquisition of Aegon NL ( \u20ac\u00a0-6 million), an increase in equity prices and a lower currency hedge ratio for non-euro equities. Please note that the total foreign exchange exposure referred to in this section does not include \"Assets held for index-linked and unit-linked contracts\". Although the currency risk of these assets are primarily for the policyholders, guarantees within certain products may transfer some of the risk to a.s.r. </p>\n<h3 class=\"chart-title width-50\">Composition currency portfolio </h3>\n<div class=\"chart width-50 \"><img alt=\"\" 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\" style=\"width:100%;\"/>\n</div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfEffectOfChangesInForeignExchangeRatesExplanatory",
    "language": "en",
    "entity": "scheme:7245000G0HS48PZWUD53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "ixv-796": {
   "value": "\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n1288137\"><span class=\"number\">7.8.3.5 </span><span class=\"title-text\">Spread risk </span></h1>\n<p>Spread risk arises from the sensitivity of the value of assets and liabilities to changes in the level of credit spreads on the relevant risk-free interest rates. a.s.r. has a policy of maintaining a well-diversified high-quality investment grade portfolio while avoiding large risk concentrations. Going forward, the volatility in spreads will continue to have possible short-term effects on the market value of the fixed income portfolio. In the long run, the credit spreads are expected to be realised and contribute to the growth of the own funds. Exposure to spread risk exists in both assets and liabilities. Asset exposure exists mainly through fixed income investments and mortgages. In order to maintain a good understanding of the actual spread risk, a.s.r. applies the look-through approach for investment funds. The spread risk of insurance products depends on guarantees and profit-sharing features. </p>\n<p>The Solvency II SF spread risk is equal to the sum of the capital requirements for bonds, structured products and credit derivatives. Bonds and loans guaranteed by governments or international organisations could be in scope of counterparty default risk instead of spread risk. The capital requirement depends on (i) the market value, (ii) the modified duration and (iii) the credit quality category. </p>\n<p>The Solvency II PIM for spread risk includes an IM spread shock which differs from the standard formula: </p><ul style=\"margin-bottom:0px;\"><li>\n<p>Spread shocks are calibrated on the basis of Aegon life\u2019s fixed income portfolio. </p></li><li>\n<p>In contrast to the standard formula, government bonds are shocked with a factor larger than zero. </p></li><li>\n<p>Mortgages are in scope of the spread risk module, while under the standard formula mortgages are in scope of counterparty default risk. Hence, as a result, the spread risk inherent in a.s.r.'s mortgage portfolio is partly included in this section and partly under counterparty default risk. In particular, the mortgage portfolios of Aegon life and Aegon spaarkas are included in this section since these entities use the Partial Internal Model (PIM), while the mortgage portfolios of a.s.r. life, a.s.r. non-life and a.s.r. health are included under counterparty default risk since these entities apply the Solvency II Standard Formula (SF). </p></li></ul><ul style=\"margin-bottom:0px;\"><li>\n<p>Furthermore, the Solvency II PIM makes use of a dynamic volatility adjustment approach within Aegon life, while the standard formula does not. The Dynamic Volatility Adjustment methodology follows an asset-only approach, ensuring spread widening is the biting scenario. </p></li></ul><ul><li>\n<p>The performance of the fixed income portfolio is assessed under a broad range of credit scenarios and the model determines which part of the (short-term) losses experienced by the assets are recouped. </p></li></ul>\n<p>The sensitivity to spread risk is measured as the impact of an increase of spread on loans and corporate bonds of 75 bps. The VA is based on a reference portfolio. An increase of 75 bps of the spreads on loans and corporate bonds within the reference portfolio leads to an increase of the VA with 17 bps in 2023 (2022: 18 bps). The credit spread sensitivity decreased from +11 to +7. </p>\n<h3 class=\"table-title\">Solvency II sensitivities - spread risk<sup class=\"footnote cShowTooltip\" title=\"Sensitivities include Financial Institutions.\">1 </sup></h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:auto;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/></colgroup><thead>\n<tr style=\"border:none;\"><th class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-left-1 border-right-1 border-top-1 headrow\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;border-bottom:1px solid;\">Effect on: </th><th class=\"startCol-2 endCol-3 valign-bottom align-center border-bottom-1 border-left-1 border-right-1 border-top-1 colspan-2 headrow\" colspan=\"2\" scope=\"col\" style=\"text-align:center;vertical-align:bottom;border-bottom:1px solid;\">Available capital </th><th class=\"startCol-4 endCol-5 valign-bottom align-center border-bottom-1 border-left-1 border-right-1 border-top-1 colspan-2 headrow\" colspan=\"2\" scope=\"col\" style=\"text-align:center;vertical-align:bottom;border-bottom:1px solid;\">Required capital </th><th class=\"startCol-6 endCol-7 valign-bottom align-center border-bottom-1 border-left-1 border-right-1 border-top-1 colspan-2 headrow\" colspan=\"2\" scope=\"col\" style=\"text-align:center;vertical-align:bottom;border-bottom:1px solid;\">Ratio </th></tr>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-left-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;\">Scenario (%-point) </th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">31 December 2023 </th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">31 December 2022 </th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">31 December 2023 </th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">31 December 2022 </th><th class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">31 December 2023 </th><th class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">31 December 2022 </th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Spread +75bps/ VA +17bps (2022: VA +18bps) </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">+14 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">+10 </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">-7 </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">+1 </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">+7 </td><td class=\"startCol-7 endCol-7 valign-middle align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">+11 </td></tr></tbody></table><ol class=\"footnotes width-50\"><li> Sensitivities include Financial Institutions. </li></ol> <br/>\n<div class=\"header header-2\">Composition of fixed income portfolio </div>\n<p>Spread risk is managed on a portfolio basis within limits and risk budgets established by the relevant risk committees. Where relevant, credit ratings provided by the external rating agencies are used to determine risk budgets and monitor limits. A limited number of fixed-income investments do not have an external rating. These investments are generally assigned an internal rating. Internal ratings are based on methodologies and rating classifications similar to those used by external agencies. </p>\n<p>The following tables provide a detailed breakdown of the fixed-income exposure by (i) rating class and (ii) sector. Assets in scope of spread risk are, by definition, not in scope of counterparty default risk. The total exposure of assets in scope of spread risk is \u20ac\u00a051,911 million (2022: \u20ac\u00a020,653 million). The increase in 2023 (\u20ac\u00a031,258 million) was almost entirely the result of the acquisition of Aegon NL. </p>\n<p>The portfolio decomposition changed due to the acquisition of Aegon NL. Among others, the mortgage portfolios of Aegon life and Aegon spaarkas are included as per 31 December 2023. In particular, this led to a significant increase of the non-rated fixed income percentage from 11% to 33%. </p>\n<p>Please note that the total fixed-income exposure referred to in this section does not include \"Assets held for index-linked and unit-linked contracts\". Although the risks of these assets are primarily for the policyholders, guarantees within certain products may transfer some of the risk to a.s.r. </p>\n<h3 class=\"chart-title width-50\">Composition fixed income portfolio by sector </h3>\n<div class=\"chart width-50 \"><img alt=\"\" src=\"data:image/png;base64,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\" style=\"width:100%;\"/>\n</div>\n<h3 class=\"chart-title width-50\">Composition fixed income portfolio by rating </h3>\n<div class=\"chart width-50 \"><img alt=\"\" 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\" style=\"width:100%;\"/>\n</div>\n<h1 class=\"S_PARAGRAPH\" id=\"n1288197\"><span class=\"number\">7.8.4 </span><span class=\"title-text\">Counterparty default risk </span></h1>\n<p>Counterparty default risk reflects possible losses due to unexpected default or deterioration in the credit standing of counterparties and debtors. Counterparty default risk affects several types of assets: </p><ul><li>\n<p>mortgages </p></li><li>\n<p>savings-linked mortgage loans </p></li><li>\n<p>derivatives </p></li><li>\n<p>reinsurance </p></li><li>\n<p>receivables </p></li><li>\n<p>cash and deposits </p></li><li>\n<p>expected credit loss </p></li></ul>\n<p>Assets that are in scope of spread risk are, by definition, not in scope of counterparty default risk and vice versa. The Solvency II regime makes a distinction between two types of exposures: </p><ul><li>\n<p>Type 1: These counterparties generally have a rating (reinsurance, derivatives, current account balances, deposits with ceding companies and issued guarantee (letter of credit). The exposures are not diversified. </p></li><li>\n<p>Type 2: These counterparties are normally unrated (receivables from intermediaries and policyholders, mortgages with private individuals or SMEs). The exposures are generally diversified. </p></li></ul>\n<p>The total capital requirement for counterparty risk is an aggregation of the capital requirement for type 1 exposure and the capital requirement for type 2 exposure by taking 75% correlation. </p>\n<h3 class=\"table-title\">Counterparty default risk - required capital </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:0%;\"/><col style=\"width:14%;\"/><col style=\"width:14%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>31 December 2023 </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>31 December 2022 </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Type 1 </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">190 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">103 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Type 2 </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">136 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">138 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Diversification (negative) </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-20 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-15 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>305 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>226 </b></td></tr></tbody></table> <br/>\n<p>In 2023 the Solvency II SF Counterparty default has increased with \u20ac\u00a079 million. The main reason for this increase is the acquisition of Aegon NL which lead to an increase of Type 1 risk of \u20ac\u00a086 million. </p>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n1288287\"><span class=\"number\">7.8.4.1 </span><span class=\"title-text\">Mortgages </span></h1>\n<p>Mortgages are granted for the account and risk of third parties and for a.s.r.\u2019s own account. The a.s.r. portfolio consists only of Dutch mortgages with a limited counterparty default risk. The fair value of a.s.r.\u2019s mortgage portfolio was \u20ac\u00a09,975 million at year-end 2023 (2022: \u20ac\u00a09,534 million). The increase in 2023 (\u20ac\u00a0441 million) was almost entirely the result of the acquisition of Aegon NL. Please note that only the mortgages of former Aegon non-life are in scope of Counterparty default risk. The mortgage portfolios of both Aegon life and Aegon spaarkas are in scope of Solvency II IM spread risk. </p>\n<h3 class=\"chart-title width-50\">Composition mortgage portfolio </h3>\n<div class=\"chart width-50 \"><img alt=\"\" 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\" style=\"width:100%;\"/>\n</div>\n<p>The Loan-to-Value ratio is based on the value of the mortgage according to Solvency II principals with respect to the a.s.r. calculated collateral. The percentage of mortgages which are in arrears for over three months has increased from 0.03% in December 2022 to 0.04% in December 2023. </p>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n1288317\"><span class=\"number\">7.8.4.2 </span><span class=\"title-text\">Savings-linked mortgage loans </span></h1>\n<p>The counterparty default risk of the savings-linked mortgage loans ('Spaarlossen') depends on the counterparty. For 11% of the portfolio, the counterparties are Special Purpose Vehicles. The risk is limited due to the robust quality of the mortgages in the Special Purpose Vehicles in combination with the tranching. a.s.r. has a cession-retrocession agreement with the counterparty for 86% of the portfolio, for which the risk is limited. Effectively, a.s.r. recognises the underlying receivable from the counterparty (or in the case of insolvency of the counterparty the mortgage loans transfers as collateral), mitigating the counterparty default risk of the savings-linked mortgage loans. </p>\n<p>On September 1, 2021 DNB issued the Q&amp;A and Good Practices document on the treatment of saving mortgages and in December, the Dutch Association of Insurers shared its additional guidance on this subject. These documents provide further requirements and guidelines on the valuation, risk calculations and balance sheet classification. Saving deposits without collateral agreement are considered in the SCR Spread Risk Module. The saving deposits with collateral are treated in the Counterparty Risk Module. Furthermore the collaterised deposits are split in two: a) the outstanding part and corresponding interest are considered in the SCR Counterparty risk type 2 (zero risk); b) the future premiums and corresponding interest are treated as the uncollaterised derivative contract of SCR Counterparty Risk Type 1. </p>\n<h3 class=\"chart-title width-50\">Composition savings-linked mortgage loans portfolio </h3>\n<div class=\"chart width-50 \"><img alt=\"\" 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\" style=\"width:100%;\"/>\n</div>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n1288407\"><span class=\"number\">7.8.4.3 </span><span class=\"title-text\">Derivatives </span></h1>\n<p>Over the Counter (OTC) derivatives are primarily used by a.s.r. to manage the interest-rate risks incorporated into the insurance liabilities. Interest-rate derivatives are traded with a well-diversified and qualitative dealer panel with whom there is an established International Swaps and Derivatives Association (ISDA) contract and a Credit Support Annex (CSA) in place. These CSAs include specific agreements on the exchange of collateral limiting market and counterparty risk. The outstanding value of the interest rate derivative positions is matched by collateral received from eligible counterparties, minimising the net counterparty default risk. </p>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n1288377\"><span class=\"number\">7.8.4.4 </span><span class=\"title-text\">Reinsurance </span></h1>\n<p>a.s.r. collaborates with reinsurers for fire and catastrophe risk. When entering into reinsurance contracts for fire and catastrophe, a.s.r. requires the counterparty to be rated at least single A. With respect to long-tail business and other sectors, the minimum permitted rating is single A. </p>\n<p>The table below shows the exposure to reinsurers per rating. The total exposure to reinsurers at year-end 2023 was \u20ac\u00a0-90 million (2022: \u20ac\u00a0309 million). The negative exposure in 2023 was entirely the result of the exposure of Aegon NL (\u20ac\u00a0-445 million) and the exposure of other entities (\u20ac\u00a0355 million). The table below does not include Aegon NL. </p>\n<h3 class=\"table-title\">Composition reinsurance counterparties by rating </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:0%;\"/><col style=\"width:14%;\"/><col style=\"width:14%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:middle;\"><b>31 December 2023 </b></th><th class=\"startCol-3 endCol-3 valign-middle align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:middle;\"><b>31 December 2022 </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-top-1\" style=\"text-align:left;vertical-align:bottom;\">AAA </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">0% </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-top-1\" style=\"text-align:right;vertical-align:bottom;\">0% </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom\" style=\"text-align:left;vertical-align:bottom;\">AA </td><td class=\"startCol-2 endCol-2 valign-bottom align-right format-highlight\" style=\"text-align:right;vertical-align:bottom;\">87% </td><td class=\"startCol-3 endCol-3 valign-bottom align-right\" style=\"text-align:right;vertical-align:bottom;\">86% </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom\" style=\"text-align:left;vertical-align:bottom;\">A </td><td class=\"startCol-2 endCol-2 valign-bottom align-right format-highlight\" style=\"text-align:right;vertical-align:bottom;\">10% </td><td class=\"startCol-3 endCol-3 valign-bottom align-right\" style=\"text-align:right;vertical-align:bottom;\">14% </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1\" style=\"text-align:left;vertical-align:bottom;\">NR </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">0% </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1\" style=\"text-align:right;vertical-align:bottom;\">0% </td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>100% </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>100% </b></td></tr></tbody></table> <br/>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n1288347\"><span class=\"number\">7.8.4.5 </span><span class=\"title-text\">Receivables </span></h1>\n<p>The receivables with a counterparty default risk amounted to \u20ac\u00a02,404 million at year-end 2023. This mainly consits of insurance and intermediaries receivables (\u20ac\u00a0229 million), reinsurance receivables (\u20ac\u00a031 million), health insurance fund (\u20ac\u00a0159 million) and other (non-insurance) receivables (\u20ac\u00a01,985 million). </p>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n1288227\"><span class=\"number\">7.8.4.6 </span><span class=\"title-text\">Cash and cash equivalents </span></h1>\n<p>The current accounts on the balance sheet amounted \u20ac\u00a04,303 million in 2023 (2022: \u20ac\u00a01,756 million). The increase in 2023 (\u20ac\u00a02,548 million) was almost entirely the result of the acquisition of Aegon NL. </p>\n<h3 class=\"table-title\">Composition cash accounts by rating </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:0%;\"/><col style=\"width:14%;\"/><col style=\"width:14%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:middle;\"><b>31 December 2023 </b></th><th class=\"startCol-3 endCol-3 valign-middle align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:middle;\"><b>31 December 2022 </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-top-1\" style=\"text-align:left;vertical-align:bottom;\">AAA </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">773 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-top-1\" style=\"text-align:right;vertical-align:bottom;\">0 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom\" style=\"text-align:left;vertical-align:bottom;\">AA </td><td class=\"startCol-2 endCol-2 valign-bottom align-right format-highlight\" style=\"text-align:right;vertical-align:bottom;\">514 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right\" style=\"text-align:right;vertical-align:bottom;\">0 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom\" style=\"text-align:left;vertical-align:bottom;\">A </td><td class=\"startCol-2 endCol-2 valign-bottom align-right format-highlight\" style=\"text-align:right;vertical-align:bottom;\">3,017 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right\" style=\"text-align:right;vertical-align:bottom;\">1,744 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1\" style=\"text-align:left;vertical-align:bottom;\">Lower than A </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">0 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1\" style=\"text-align:right;vertical-align:bottom;\">11 </td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>4,303 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>1,756 </b></td></tr></tbody></table> <br/>\n<p>a.s.r. has no deposits in scope of counterparty default risk. </p>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n1288257\"><span class=\"number\">7.8.4.7 </span><span class=\"title-text\">Expected credit loss </span></h1>\n<p>The recognition and measurement of impairments is forward-looking, and apply to all financial assets measured at amortised cost and at FVOCI. Initially, a provision is required for credit losses expected within the next 12 months. This is referred to as \u2018Stage 1\u2019. If there is a significant increase in credit risk between the moment of origination and the reporting date, but the exposure is not in default, the exposure is in \u2018Stage 2\u2019. If the exposure is in default, this is referred to as \u2018Stage 3\u2019. For both \u2018Stage 2\u2019 and \u2018Stage 3\u2019, a provision is required for expected credit losses over the remaining lifetime of the financial asset. </p>\n<div class=\"header header-2\">Expected credit loss measurement </div>\n<p>The impairment requirements outline a \u2018three-stage\u2019 model for impairment based on changes in credit quality since initial recognition as summarised below: </p><ol><li>\n<p>A financial instrument that is not credit-impaired on initial recognition is classified into \u2018Stage 1\u2019 and has its credit risk continuously monitored by a.s.r.: <br/>a) If a significant increase in credit risk (\u2018SICR\u2019) since initial recognition is identified, the financial instrument is moved to \u2018Stage 2\u2019 but is not yet deemed to be credit impaired. <br/>b) If the financial instrument is credit-impaired, the financial instrument is then moved to \u2018Stage 3\u2019. </p></li><li>\n<p>Financial instruments in Stage 1 have their ECL measured at a 12-month expected credit losses that result from default events possible within the next 12 months. </p></li><li>\n<p>Financial instruments in Stages 2 or 3 have their ECL measured based on expected credit losses on a lifetime basis. </p></li></ol>\n<p>ECL is measured on either a 12-month basis (Stage 1) or lifetime basis (Stages 2/3) depending on whether a significant increase in credit risk has occurred since initial recognition or whether an asset is considered to be credit-impaired. </p>\n<p>Expected credit losses are the discounted product of the Probability of Default (PD), Exposure at Default (EAD), and Loss Given Default (LGD), defined as follows: </p><ul><li>\n<p>PD represents the likelihood of a borrower defaulting on its financial obligation, either over the next 12 months (12-month PD), or over the remaining lifetime (lifetime PD) of the obligation; </p></li><li>\n<p>EAD is based on the amounts a.s.r. expects to be owed at the time of default, over the next 12 months (12-month EAD) or over the remaining lifetime (lifetime EAD); </p></li><li>\n<p>LGD represents a.s.r.\u2019s expectation of the extent of the loss on a defaulted exposure. LGD varies by type of counterparty, type and seniority of the claim, and availability of collateral or other credit support. LGD is expressed as a percentage loss per unit of exposure at the time of default (EAD). LGD is calculated on a 12-month or lifetime basis, where the 12-month LGD is the percentage of loss expected to be made if the default occurs in the next 12 months, and the lifetime LGD is the percentage of loss expected to be made if the default occurs over the remaining expected lifetime of the loan. </p></li></ul>\n<p>A pervasive concept in measuring ECL is that it should consider forward-looking information. a.s.r. has performed historical analyses to identify the key economic variables impacting credit risk and expected credit losses for each portfolio. Expert judgment was also applied in this process. </p>\n<p>a.s.r. employs separate models to calculate ECL on the following asset classes: </p><ul><li>\n<p>Mortgage loans; </p></li><li>\n<p>Consumer loans; </p></li><li>\n<p>SME loans; and </p></li><li>\n<p>Debt securities. </p></li></ul>\n<p>Debt securities are covered by a single model because these portfolios are all managed in a similar fashion. Asset classes not covered by the ECL calculations are considered either to have immaterial credit risk or to be short-term in nature. Given the need to adapt the models to the different portfolio characteristics, all ECL models use different key judgments and assumptions. </p>\n<p>The following tables show the changes in the loss allowance between the beginning and end of the year due to these factors (excluding Other financial assets at amortised cost): </p>\n<h3 class=\"table-title\">Government and corporate bonds measured at FVOCI </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:auto;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;\"><b>2023 </b></th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Stage 1 <br/>(12-month ECL) </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Stage 2 <br/>(Lifetime ECL) </b></th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Stage 3 <br/>(Lifetime ECL) </b></th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Total </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">At 1 January </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Changes in the composition of the group </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Loss allowance at 31 December </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>1 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>1 </b></td></tr></tbody></table> <br/>\n<h3 class=\"table-title\">Mortgage loans measured at amortised cost </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:auto;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;\"><b>2023 </b></th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Stage 1 <br/>(12-month ECL) </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Stage 2 <br/>(Lifetime ECL) </b></th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Stage 3 <br/>(Lifetime ECL) </b></th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Total </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">At 1 January </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Stage transfers </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-1 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-1 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Changes in models/risk parameters </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-1 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Changes in the composition of the group </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">3 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">4 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Loss allowance at 31 December </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>1 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>1 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>3 </b></td></tr></tbody></table> <br/>\n<h3 class=\"table-title\">Private loans measured at amortised cost </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:auto;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;\"><b>2023 </b></th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Stage 1 <br/>(12-month ECL) </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Stage 2 <br/>(Lifetime ECL) </b></th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Stage 3 <br/>(Lifetime ECL) </b></th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Purchased or Originated Credit-Impaired </b></th><th class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Total </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">At 1 January </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Stage transfers </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-4 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">3 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Net remeasurement of loss allowance </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">3 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Repayments </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-1 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-1 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-1 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-3 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Changes in models/risk parameters </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-1 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-1 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-1 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Changes in the composition of the group </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">6 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">6 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Other changes </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-1 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-1 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Loss allowance at 31 December </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>2 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>1 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>2 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>5 </b></td></tr></tbody></table> <br/>\n<p>The total of undiscounted ECL at initial recognition for purchased or originated credit-impaired financial assets recognised during 2023 amounts to \u20ac\u00a00 million. </p>\n<p>The following tables further specify the changes in gross carrying amounts to help explain their significance for the changes in the loss allowance for the same portfolios as discussed above. The gross carrying amounts in these tables are the clean values, thus excluding the accrued interest. </p>\n<h3 class=\"table-title\">Government and corporate bonds measured at FVOCI </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:auto;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;\"><b>2023 </b></th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Stage 1 <br/>(12-month ECL) </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Stage 2 <br/>(Lifetime ECL) </b></th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Stage 3 <br/>(Lifetime ECL) </b></th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Total </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">At 1 January </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Repayments </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-70 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-70 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Disposals </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-45 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-45 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Changes in the composition of the group </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">970 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">970 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Other changes </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">18 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">18 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Gross carrying amount at 31 December </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>874 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>874 </b></td></tr></tbody></table> <br/>\n<h3 class=\"table-title\">Mortgage loans measured at amortised cost </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:auto;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;\"><b>2023 </b></th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Stage 1 <br/>(12-month ECL) </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Stage 2 <br/>(Lifetime ECL) </b></th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Stage 3 <br/>(Lifetime ECL) </b></th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Total </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">At 1 January </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Stage transfers </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">506 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-510 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">4 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Purchases and originations </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">964 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">14 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">979 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Repayments </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-538 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-48 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-1 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-586 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Changes in the composition of the group </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">12,763 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">957 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">14 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">13,734 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Other changes </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">425 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">425 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Gross carrying amount at 31 December </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>14,121 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>414 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>18 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>14,552 </b></td></tr></tbody></table> <br/>\n<h3 class=\"table-title\">Private loans measured at amortised cost </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:auto;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;\"><b>2023 </b></th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Stage 1 <br/>(12-month ECL) </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Stage 2 <br/>(Lifetime ECL) </b></th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Stage 3 <br/>(Lifetime ECL) </b></th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Purchased or Originated Credit-Impaired </b></th><th class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Total </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">At 1 January </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Stage transfers </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-33 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">29 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">4 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Purchases and originations </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">5 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">5 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Repayments </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-42 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-14 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">3 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-7 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-60 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Changes in the composition of the group </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">236 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">10 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">246 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Other changes </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-1 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-1 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-2 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Gross carrying amount at 31 December </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>164 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>15 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>6 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>3 </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>188 </b></td></tr></tbody></table> <br/>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfCreditRiskExplanatory",
    "language": "en",
    "entity": "scheme:7245000G0HS48PZWUD53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "ixv-801": {
   "value": "\n<h1 class=\"S_PARAGRAPH\" id=\"n1288437\"><span class=\"number\">7.8.5 </span><span class=\"title-text\">Liquidity risk </span></h1>\n<p>Liquidity risk is the risk that a.s.r. is not able to meet its financial obligations to policyholders and other creditors when they become due and payable, at a reasonable cost and in a timely manner. Liquidity risk is not quantified in the SCR of a.s.r. and is therefore separately discussed. </p>\n<p>a.s.r. recognises different levels of liquidity management. First, short-term liquidity management which covers the day-to-day cash requirements and aims to meet short term liquidity risk targets. Second level covers the long-term liquidity management. This, among others, considers the strategic matching of liquidity &amp; funding needs in different business conditions in which market liquidity risk could materialise. Finally stress liquidity management refers to the ability to respond to a potential crisis situation as a result of a market event and/or an a.s.r.-specific event. </p>\n<p>Since market interest rates started rising in 2022, a.s.r. experienced liquidity outflow as a result of cash variation margin outflow related to the ISDA/CSA- and Clearing agreements of derivatives. The cash outflow was financed by returning earlier received cash collateral to counterparties and by liquidating assets. As at 31 December 2023 a.s.r. is a net receiver of cash collateral. Other sources of liquidity risk are (unexpected) lapses in the insurance portfolios and catastrophe risk. a.s.r. monitors its liquidity risk via different risk reporting and monitoring processes including cash management reports, cash flow forecasts, liquidity stress tests and liquidity dashboards in which liquidity outflows are calculated for different (stress) scenarios. For long-term liquidity management purposes, liquidity is also taken into account in the asset allocation process. </p>\n<p>a.s.r.\u2019s liquidity management principle consists of three components. First, a well-diversified funding base in order to provide liquidity for cash management purposes. A portion of assets must be held in cash and invested in unencumbered marketable securities so it can be used for collateralised borrowing or asset sales. In order to cover liquidity needs in stress events a.s.r. has committed repo-facilities in place to ensure liquidity under all market circumstances. Second, the strategic asset allocation should reflect the expected and contingent liquidity needs of liabilities. Finally, an adequate and up-to-date liquidity policy and contingency plan are in place to enable management to act effectively and efficiently in times of crisis. </p>\n<p>In managing the liquidity risk from financial liabilities, a.s.r. relies on holding liquid assets comprising cash and cash equivalents and investment grade securities for which there is an active and liquid market. These assets can be readily sold or lend to meet liquidity requirements. As at 31 December 2023, a.s.r. had cash (\u20ac\u00a04,140 million), short-term secured deposits (\u20ac\u00a0882 million) and liquid government bonds (\u20ac\u00a016,068 million). </p>\n<p>The following table shows the contractual undiscounted cash flows of the insurance liabilities based on Solvency II. All other line items as well as the total carrying value are based on IFRS principles. </p>\n<p>The insurance liabilities include the impact of expected lapses and mortality as well as non profit sharing cash flows. Profit sharing cash flows of insurance liabilities are not taken into account, nor are equities, property and swaptions. Furthermore, cash flows of the pension benefit obligations are taken into account. </p>\n<h3 class=\"table-title\">Contractual cash flows </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:auto;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Payable on demand </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>&lt; 1 years </b></th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>1-5 years </b></th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>5-10 years </b></th><th class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>&gt; 10 years </b></th><th class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Carrying value </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>31 December 2023 </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Insurance liabilities </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">621 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">4,752 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">27,817 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">23,555 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">78,211 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">99,384 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Pension Benefit Obligation </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">122 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">999 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1,289 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">6,388 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">5,218 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Derivatives liabilities </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1,520 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,508 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,802 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">4,630 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">10,132 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Savings deposits </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">9,160 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">820 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1,048 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">525 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">470 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">12,022 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Financial liabilities </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,074 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">3,914 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">3,205 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1,422 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,544 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">13,137 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Future interest payments </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">100 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">537 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">563 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1,278 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>11,856 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>11,228 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>36,114 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>30,156 </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>93,521 </b></td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>139,894 </b></td></tr></tbody></table> <br/>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:auto;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Payable on demand </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>&lt; 1 years </b></th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>1-5 years </b></th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>5-10 years </b></th><th class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>&gt; 10 years </b></th><th class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Carrying value </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>31 December 2022 </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Insurance liabilities </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">5,234 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">10,236 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">9,845 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">34,294 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">42,103 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Pension Benefit Obligation </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">64 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">540 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">725 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">3,594 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2,742 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Derivatives liabilities </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">459 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2,608 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2,006 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,310 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">5,681 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Financial liabilities </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,770 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">576 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">53 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">74 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2,059 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">4,512 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Future interest payments </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">90 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">450 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">563 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,390 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>1,770 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>6,423 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>13,887 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>13,213 </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>42,647 </b></td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>55,039 </b></td></tr></tbody></table> <br/>\n<p>The insurance contract liabilities contractual cash flows for the period 1-5 years can be split into: 1-2 years \u20ac\u00a011,688 mln (2022 \u20ac\u00a03,188 million), 2-3 years \u20ac\u00a05,523 mln (2022 \u20ac\u00a02,450 million), 3-4 years \u20ac\u00a05,346 mln (2022 \u20ac\u00a02,381 million) and 4-5 years \u20ac\u00a05,260 mln (2022 \u20ac\u00a02,216 million). </p>\n<p>When the amount payable is not fixed the amount reported is determined by reference to the conditions existing at the reporting date. </p>\n<p>Financial liabilities payable on demand include the liability recognised for cash collateral received under ISDAs, concluded with counterparties. The related cash collateral received is recognised as cash and cash equivalents, and not part of the liquidity risk exposure table. </p>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfLiquidityRiskExplanatory",
    "language": "en",
    "entity": "scheme:7245000G0HS48PZWUD53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "ixv-805": {
   "value": "\n<h1 class=\"S_PARAGRAPH\" id=\"n1288648\"><span class=\"number\">7.9.1 </span><span class=\"title-text\">Capital management objectives </span></h1>\n<div class=\"header header-2\">Management </div>\n<p>Overall capital management is administered at group level. a.s.r. currently intends to consider investing capital above the management target Solvency II ratio (calculated based on the partial internal model) of 160% with the objective of creating value for its shareholders. If and when a.s.r. operates at a certain level (which may change over time) that is considerably above the management target, and it assesses that it cannot invest this capital in value-creating opportunities for a prolonged period of time, a.s.r. may decide, but is not obliged, to return (part of this) capital to its shareholders. </p>\n<p>If a.s.r. chooses to return capital, it plans to do so in a form that is efficient for shareholders at that time. a.s.r. actively manages its in-force business, which is expected to result in free capital generation over time. Additionally, business improvement and balance sheet restructuring should improve the capital generation capacity while advancing the risk profile of the company. The legal entities are individually capitalised and excess capital over management\u2019s targets for the legal entities is intended to be upstreamed to the holding company as far as is needed for amongst others covering external dividend, coupon payments on hybrids / senior financing instruments and holding costs and in so far the local regulations and the internal risk appetite statement allow. Excess capital that is upstreamed to the holding company is added to and managed in the holding cash buffer until it is further distributed and used to cover dividends, coupons and other holding expenses. The capital and cash attribution to the holding is closely monitored and managed on a continuous basis. </p>\n<div class=\"header header-2\">Objectives </div>\n<p>The group is committed to maintain a strong capital position in order to be a robust and sustainable insurer for its policyholders and other stakeholders. The objective is to maintain a solvency ratio well above the minimum levels as defined in the risk appetite statements and above the relevant management threshold levels. Sensitivities are periodically performed for principal risks and annual stress tests are performed to test a.s.r.\u2019s robustness to withstand moderate to severe scenarios. An additional objective is to achieve a combination of a capital position and a risk profile that is at least in line with a 'single A' rating by Standard &amp; Poor\u2019s. </p>\n<p>The SCR is reported on a quarterly basis and proxies are made on both a monthly and weekly basis. The internal minimum solvency ratio for a.s.r. as formulated in the risk appetite statement is 120%. The lower limit solvency target is 140%. The management threshold level for the solvency ratio is above 160%. The solvency ratio stood at 176% at 31 December 2023 including financial institutions and after final dividend, which was comfortably above the internal requirement of 120% and the management threshold level of 160%. </p>\n<p>In accordance with a.s.r.\u2019s dividend policy, the liquidity of the underlying entities is not taken into account for the liquidity position of the group. However, the capital is recognised in the capital position of the group, since a.s.r. has the ability to realise the capital of this OTSO, for example by selling the entity. Specifically regarding a.s.r. health basic in 2023, no dividend or capital withdrawals have taken place. </p>\n<p>The table below shows how the eligible own funds of a.s.r. relate to the different capital targets<sup class=\"footnote cShowTooltip\" title=\"As of 2023 a.s.r. reports a Solvency II ratio including Financial Institutions. The 2022 figures have been restated accordingly.\">1</sup>. </p>\n<h4 class=\"figure-title\">Market value own funds under SCR </h4><img alt=\"\" src=\"data:image/png;base64,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style=\"width:1565px;max-width:100%;\"/>\n<ol class=\"footnotes\"><li>As of 2023 a.s.r. reports a Solvency II ratio including Financial Institutions. The 2022 figures have been restated accordingly. </li></ol>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfObjectivesPoliciesAndProcessesForManagingCapitalExplanatory",
    "language": "en",
    "entity": "scheme:7245000G0HS48PZWUD53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "ixv-525": {
   "value": "1080000",
   "decimals": -4,
   "dimensions": {
    "concept": "ifrs-full:DividendsRecognisedAsDistributionsToOwnersPerShare",
    "entity": "scheme:7245000G0HS48PZWUD53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00",
    "unit": "iso4217:EUR/xbrli:shares"
   }
  },
  "ixv-526": {
   "value": "1810000",
   "decimals": -4,
   "dimensions": {
    "concept": "ifrs-full:DividendsProposedOrDeclaredBeforeFinancialStatementsAuthorisedForIssueButNotRecognisedAsDistributionToOwnersPerShare",
    "entity": "scheme:7245000G0HS48PZWUD53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00",
    "unit": "iso4217:EUR/xbrli:shares"
   }
  },
  "ixv-807": {
   "value": "\n<div class=\"tanPageBreak start-node\"> </div>\n<h1 class=\"S_CHAPTER\" id=\"n1286915\"><span class=\"number\">7.10 </span><span class=\"title-text\"><b>Operating result </b></span></h1>\n<p>a.s.r. manages its business primarily using operational key performance indicators (KPIs). The operating result is the KPI covering the overall profitability of the business. Furthermore, a.s.r. uses other operational measures such as the Non-Life ratio, the life operating expenses as well as the availability and creation of capital, based on the Solvency II partial internal model, as key figures in business decision making (see <a href=\"#n1288617\" title=\"Capital management\">chapter 7.9</a>). </p>\n<p>The operating result is managed and presented at the consolidated a.s.r. and at a segment level (see <a href=\"#n1287085\" title=\"Segmented income statement and operating result\">chapter 7.4.3</a>) and is also a key profitability indicator at business line level. The operating result is an inclusive measure covering all result components that can be influenced by the regular business. As such the operating result is the single bottom line performance indicator covering the performance of the business. </p>\n<p>Operating result as presented below is an Alternative Performance Measure (non-GAAP financial measure) and is not a measure of financial performance under IFRS. Because it is not determined in accordance with IFRS, operating result as presented by a.s.r. may not be comparable to other similarly titled measures of performance of other companies. </p>\n<div class=\"header header-1\">Definition of operating result </div>\n<p>The definition of operating result has changed due to the introduction of IFRS 17. </p>\n<p>Operating result is calculated by using the result before tax from continuing operations reported in accordance with IFRS, adjusted for the following: </p>\n<p>1. <b>Adjustments to the investment and finance result:</b> investment and finance result, excluding investment operating expenses, is replaced by an Operating Investment and Finance Result (which is part of the Operating Result) which is defined as the expected return on the investments in excess of the expected interest accrual on the insurance liabilities, the investment operating expenses, all hybrid expenses (including hybrid expenses through OCI) and the UFR drag for each reporting period. </p>\n<p>The operating result should reflect the operational performance of a.s.r. and should exclude revaluation effects on the assets and (insurance related) liabilities as a result of interest and spread movements and/or equity and real estate market movements. </p>\n<p>If a.s.r. is to value the present value of future cash flows, it is common market practice to make use of a forward curve (based on the current discount curve) plus a certain premium reflecting the risk of invested assets. This premium is defined as the implied spread at the beginning of the period over which the result is calculated. </p>\n<p>The expected return is calculated as: </p><ul><li>\n<p>For the fixed income investments: the market value of the fixed income assets at the beginning of the period multiplied by the total of the one year forward swap rate and the implied spread at the beginning of the period; </p></li><li>\n<p>For equities and real estate investments: the market value of the equity and real estate assets at the beginning of the period multiplied by a total return assumption; </p></li><li>\n<p>For Insurance related liabilities: the market value of the insurance related liabilities at the beginning of the period multiplied by the one-year forward rate of the IFRS17 curve (i.e. including the Liability Illiquidity Premium and Credit Risk Adjustment); </p></li><li>\n<p>The other assets / liabilities at the beginning of the period multiplied by the forward curve.  <br/></p></li></ul>\n<p>The implied spread per fixed income asset category is defined as the required increase above the forward swap curve to determine the current market value. The implied spreads are calculated quarterly. a.s.r. has defined five fixed income asset categories that each have an implied spread. </p>\n<p>The balance sheet at the beginning of the period is based on a.s.r.\u2019s look-through principle, i.e. all assets in the same asset category have a similar risk-profile (e.g. fixed income funds are classified as fixed income and not as equities, real estate funds are classified as real estate, etc.). </p>\n<p>For real estate and equity investments, a.s.r. applies a total return assumption of 5.5% and 6.6% (pre-tax) respectively. This assumption is evaluated each year; </p>\n<p>2. <b>The impact of changes to future services on onerous contracts.</b> This implies that the negative impact of onerous contracts solely have an impact on the operating result at initial recognition; </p>\n<p>3. <b>The impact of changes of inflation on the Liability for Incurred Claims</b>; </p>\n<p>4. <b>Other adjustments and incidental items</b>: </p><ul><li>\n<p>Model- and methodological changes of a fundamental nature, in the measurement of the insurance liabilities; </p></li><li>\n<p>Results of non-core operations; </p></li><li>\n<p>Non-recurring or one-off items related to the ongoing business; </p></li><li>\n<p>Non-recurring or one-off items not related to the ongoing business, such as (non-exhaustive) restructuring costs, regulatory costs not related to business activities, changes in own pension arrangements and expenses related to mergers and acquisitions (M&amp;A) activities and start-ups. </p></li></ul>\n<p>The RoE, which is based on the operating result, is defined as: </p><ol class=\"style-lower-roman\"><li>\n<p>The operating result adjusted for the applicable tax divided by </p></li><li>\n<p>The IFRS equity adjusted for the unrealised capital gains reserve that may be reclassified subsequently to profit or loss and equity components of non-core activities. </p></li></ol>\n<div class=\"header header-1\">Historical comparison </div>\n<p>a.s.r. introduced the operating result in 2015 prior to the IPO. The operating result has since been the KPI for managing the profitability of the business. The comparison under IFRS 4 (2015-2022) and IFRS 17 (2022-2023) is shown separately. </p>\n<div class=\"header header-2\">IFRS 4 result versus operating result </div><img alt=\"\" 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\" style=\"width:1565px;max-width:100%;\"/>\n\n<p>The seven-year comparison of the IFRS 4 result and the operating result shows that the IFRS 4 result for the year is more prone to volatility. In most years the IFRS result has exceeded the operating result. Only in 2020 and 2022, the operating result was higher than the IFRS result. The development of the operating results shows a steady increase as the business has grown. The presented IFRS 4 figures have not been revised and cannot be linked to the current financial statements due to the introduction of IFRS 17. </p>\n<div class=\"header header-2\">IFRS 17 result versus operating result </div><img alt=\"\" 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\" style=\"width:1565px;max-width:100%;\"/>\n\n<p>The two-year comparison of the IFRS 17 result and the operating result shows that, as expected, the volatility of the IFRS figures has increased significantly. In 2022 this was mainly driven by sharply rising interest rates resulting in significant revaluations. Operating result is less sensitive to financial market developments, as, amongst others, the Operating Investment and Finance Result is based on a standard return. </p>\n<p>In 2023, IFRS result exceeded operating result mainly due to the downward adjustment of investment and finance result to the normalised operating investment and finance result (see below). </p>\n<div class=\"header header-1\">Reconciliation of IFRS result for the year to operating result </div>\n<p>The reconciliation of the IFRS result for the year to the operating result is presented as follows: </p>\n<h3 class=\"table-title\">IFRS result to operating result </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:0%;\"/><col style=\"width:14%;\"/><col style=\"width:14%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">2023 </th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">2022 </th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Result before tax </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>1,389 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-2,323 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">Minus adjustments related to the insurance service result </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-75 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-390 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">Minus adjustments related to the investment and finance result </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">579 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-2,694 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">Minus adjustments related to the other result </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-231 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-44 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Operating result </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>1,117 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>805 </b></td></tr></tbody></table> <br/>\n<p>In 2023, adjustments related to the insurance service result (\u20ac\u00a0-75 million) mainly consist of the non-economic assumption update for inflation in the liability of incurred claims of Disability (\u20ac\u00a0-87 million). </p>\n<p>Adjustments related to the investment and finance result (<span style=\"white-space:nowrap;\">\u20ac\u00a0579 million</span>) were mainly related to fair value revaluations driven by decreasing interest rates in 2023. </p>\n<p>Adjustments related to the other result of <span style=\"white-space:nowrap;\">\u20ac\u00a0-231 million</span> mainly consist of the following items: </p><ul><li>\n<p>provisions made following the agreement with claim organisations on Unit Linked-life insurance transparency (see <a href=\"#n1285470\" title=\"Pending litigation portfolio and product-related issues\">chapter 7.7.6.2</a>). A provision was made of <span style=\"white-space:nowrap;\">\u20ac\u00a0300 million</span> in total, which includes an additional provision of <span style=\"white-space:nowrap;\">\u20ac\u00a050 million</span> to facilitate individual claims of customers in distressing situations; </p></li><li>\n<p>the purchase gain on the Aegon NL transaction (<span style=\"white-space:nowrap;\">\u20ac\u00a0153 million</span>), see <a href=\"#n1287134\" title=\"Acquisitions\">chapter 7.4.5</a>; </p></li><li>\n<p>the net positive impact from the Aegon transaction and the exchange of investment portfolios (<span style=\"white-space:nowrap;\">\u20ac\u00a075 million</span>); </p></li><li>\n<p>restructuring provision expenses (<span style=\"white-space:nowrap;\">\u20ac\u00a0-58 million</span>); </p></li><li>\n<p>amortisation of other intangible assets identified in business combinations (<span style=\"white-space:nowrap;\">\u20ac\u00a0-23 million</span>). </p></li></ul>\n<p>The negative IFRS result before tax in 2022 (<span style=\"white-space:nowrap;\">\u20ac\u00a0-2,323 million</span>) primarily reflected the negative investment-related incidentals (<span style=\"white-space:nowrap;\">\u20ac\u00a0-2,694 million</span>), related to significant revaluations driven mainly by sharply rising interest rates in 2022. </p>\n<p>Adjustments related to the insurance service result (\u20ac\u00a0-390 million) mainly consist of future services on onerous contracts (\u20ac\u00a0-289 million) and strengthening of Disability provisions reflecting the 10% increase of the legal minimum wage as of 1 January 2023 (\u20ac\u00a0-93 million). </p>\n<p>Adjustments related to the other result (<span style=\"white-space:nowrap;\">\u20ac\u00a0-44 million</span>) consist of regulatory project implementation costs (IFRS 17 and IFRS 9), amortisation of intangibles identified in business combinations, M&amp;A costs related to the business combination of a.s.r. and Aegon Nederland and start-up costs for innovations. </p>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfProfitLossFromOperatingActivitiesExplanatory",
    "language": "en",
    "entity": "scheme:7245000G0HS48PZWUD53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "ixv-808": {
   "value": "\n<div class=\"tanPageBreak start-node\"> </div>\n<h1 class=\"S_CHAPTER\" id=\"n1287157\"><span class=\"number\">7.11 </span><span class=\"title-text\"><b>Company</b> financial statements </span></h1>\n<h1 class=\"S_PARAGRAPH\" id=\"n1287179\"><span class=\"number\">7.11.1 </span><span class=\"title-text\">Company balance sheet </span></h1>\n<h3 class=\"table-title\">Company balance sheet </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:auto;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\"><b>(in \u20ac\u00a0millions and before profit appropriation) </b></th><th class=\"startCol-2 endCol-2 valign-top align-right border-bottom-1 border-right-1 format-notes headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:top;\">Note </th><th class=\"startCol-3 endCol-3 valign-top align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:top;\">31 December 2023 </th><th class=\"startCol-4 endCol-4 valign-top align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:top;\">31 December 2022 <br/>restated </th><th class=\"startCol-5 endCol-5 valign-top align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:top;\">1 January 2022 <br/>restated </th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\"><b>Non-current assets </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-right-1 border-top-1 format-notes\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">Intangible assets </td><td class=\"startCol-2 endCol-2 valign-top align-right border-bottom-1 border-right-1 border-top-1 format-notes\" style=\"text-align:right;vertical-align:top;\">7.11.3.4 </td><td class=\"startCol-3 endCol-3 valign-top align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:top;\">363 </td><td class=\"startCol-4 endCol-4 valign-top align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:top;\">35 </td><td class=\"startCol-5 endCol-5 valign-top align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:top;\">38 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">Property, plant and equipment </td><td class=\"startCol-2 endCol-2 valign-top align-right border-bottom-1 border-right-1 border-top-1 format-notes\" style=\"text-align:right;vertical-align:top;\">7.11.3.5 </td><td class=\"startCol-3 endCol-3 valign-top align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:top;\">256 </td><td class=\"startCol-4 endCol-4 valign-top align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:top;\">219 </td><td class=\"startCol-5 endCol-5 valign-top align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:top;\">229 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">Subsidiaries </td><td class=\"startCol-2 endCol-2 valign-top align-right border-bottom-1 border-right-1 border-top-1 format-notes\" style=\"text-align:right;vertical-align:top;\">7.11.3.6 </td><td class=\"startCol-3 endCol-3 valign-top align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:top;\">11,478 </td><td class=\"startCol-4 endCol-4 valign-top align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:top;\">5,781 </td><td class=\"startCol-5 endCol-5 valign-top align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:top;\">7,732 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">Loans to group companies </td><td class=\"startCol-2 endCol-2 valign-top align-right border-bottom-1 border-right-1 border-top-1 format-notes\" style=\"text-align:right;vertical-align:top;\">7.11.3.7 </td><td class=\"startCol-3 endCol-3 valign-top align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:top;\">378 </td><td class=\"startCol-4 endCol-4 valign-top align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:top;\">67 </td><td class=\"startCol-5 endCol-5 valign-top align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:top;\">46 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">Investments </td><td class=\"startCol-2 endCol-2 valign-top align-right border-bottom-1 border-right-1 border-top-1 format-notes\" style=\"text-align:right;vertical-align:top;\">7.11.3.8 </td><td class=\"startCol-3 endCol-3 valign-top align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:top;\">596 </td><td class=\"startCol-4 endCol-4 valign-top align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:top;\">2,040 </td><td class=\"startCol-5 endCol-5 valign-top align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:top;\">507 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">Loans and deposits </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-right-1 border-top-1 format-notes\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:top;\">- </td><td class=\"startCol-4 endCol-4 valign-top align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:top;\">- </td><td class=\"startCol-5 endCol-5 valign-top align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:top;\">41 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">Derivatives </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-right-1 border-top-1 format-notes\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:top;\">- </td><td class=\"startCol-4 endCol-4 valign-top align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:top;\">3 </td><td class=\"startCol-5 endCol-5 valign-top align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:top;\">- </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">Deferred tax assets </td><td class=\"startCol-2 endCol-2 valign-top align-right border-bottom-1 border-right-1 border-top-1 format-notes\" style=\"text-align:right;vertical-align:top;\">7.11.3.9 </td><td class=\"startCol-3 endCol-3 valign-top align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:top;\">- </td><td class=\"startCol-4 endCol-4 valign-top align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:top;\">- </td><td class=\"startCol-5 endCol-5 valign-top align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:top;\">- </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-top align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\"><b>Total non-current assets </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-right-1 border-top-1 format-notes\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:top;\"><b>13,072 </b></td><td class=\"startCol-4 endCol-4 valign-top align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:top;\"><b>8,146 </b></td><td class=\"startCol-5 endCol-5 valign-top align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:top;\"><b>8,593 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-right-1 border-top-1 format-notes\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top align-left border-bottom-1\" style=\"text-align:left;vertical-align:top;\"><b>Current assets </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-right-1 format-notes\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">Other receivables </td><td class=\"startCol-2 endCol-2 valign-top align-right border-bottom-1 border-right-1 border-top-1 format-notes\" style=\"text-align:right;vertical-align:top;\">7.11.3.10 </td><td class=\"startCol-3 endCol-3 valign-top align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:top;\">6,083 </td><td class=\"startCol-4 endCol-4 valign-top align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:top;\">3,120 </td><td class=\"startCol-5 endCol-5 valign-top align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:top;\">4,058 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">Cash and cash equivalents </td><td class=\"startCol-2 endCol-2 valign-top align-right border-bottom-1 border-right-1 border-top-1 format-notes\" style=\"text-align:right;vertical-align:top;\">7.11.3.11 </td><td class=\"startCol-3 endCol-3 valign-top align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:top;\">121 </td><td class=\"startCol-4 endCol-4 valign-top align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:top;\">104 </td><td class=\"startCol-5 endCol-5 valign-top align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:top;\">18 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-top align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\"><b>Total current assets </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-right-1 border-top-1 format-notes\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:top;\"><b>6,204 </b></td><td class=\"startCol-4 endCol-4 valign-top align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:top;\"><b>3,225 </b></td><td class=\"startCol-5 endCol-5 valign-top align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:top;\"><b>4,076 </b></td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-right-1 border-top-1 format-notes\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\"><b>Total assets </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-right-1 border-top-1 format-notes\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:top;\"><b>19,276 </b></td><td class=\"startCol-4 endCol-4 valign-top align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:top;\"><b>11,371 </b></td><td class=\"startCol-5 endCol-5 valign-top align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:top;\"><b>12,669 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-right-1 border-top-1 format-notes\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top align-left border-bottom-1\" style=\"text-align:left;vertical-align:top;\"><b>Equity </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-right-1 format-notes\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">Share capital </td><td class=\"startCol-2 endCol-2 valign-top align-right border-bottom-1 border-right-1 border-top-1 format-notes\" style=\"text-align:right;vertical-align:top;\">7.11.3.12 </td><td class=\"startCol-3 endCol-3 valign-top align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:top;\">34 </td><td class=\"startCol-4 endCol-4 valign-top align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:top;\">24 </td><td class=\"startCol-5 endCol-5 valign-top align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:top;\">22 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">Share premium reserve </td><td class=\"startCol-2 endCol-2 valign-top align-right border-bottom-1 border-right-1 border-top-1 format-notes\" style=\"text-align:right;vertical-align:top;\">7.11.3.12 </td><td class=\"startCol-3 endCol-3 valign-top align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:top;\">4,070 </td><td class=\"startCol-4 endCol-4 valign-top align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:top;\">1,533 </td><td class=\"startCol-5 endCol-5 valign-top align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:top;\">956 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">Legal reserves </td><td class=\"startCol-2 endCol-2 valign-top align-right border-bottom-1 border-right-1 border-top-1 format-notes\" style=\"text-align:right;vertical-align:top;\">7.11.3.12 </td><td class=\"startCol-3 endCol-3 valign-top align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:top;\">842 </td><td class=\"startCol-4 endCol-4 valign-top align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:top;\">288 </td><td class=\"startCol-5 endCol-5 valign-top align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:top;\">767 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">Actuarial gains and losses </td><td class=\"startCol-2 endCol-2 valign-top align-right border-bottom-1 border-right-1 border-top-1 format-notes\" style=\"text-align:right;vertical-align:top;\">7.11.3.12 </td><td class=\"startCol-3 endCol-3 valign-top align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:top;\">-288 </td><td class=\"startCol-4 endCol-4 valign-top align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:top;\">-168 </td><td class=\"startCol-5 endCol-5 valign-top align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:top;\">-1,055 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">Retained earnings </td><td class=\"startCol-2 endCol-2 valign-top align-right border-bottom-1 border-right-1 border-top-1 format-notes\" style=\"text-align:right;vertical-align:top;\">7.11.3.12 </td><td class=\"startCol-3 endCol-3 valign-top align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:top;\">2,830 </td><td class=\"startCol-4 endCol-4 valign-top align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:top;\">5,389 </td><td class=\"startCol-5 endCol-5 valign-top align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:top;\">4,742 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">Treasury shares </td><td class=\"startCol-2 endCol-2 valign-top align-right border-bottom-1 border-right-1 border-top-1 format-notes\" style=\"text-align:right;vertical-align:top;\">7.11.3.12 </td><td class=\"startCol-3 endCol-3 valign-top align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:top;\">-7 </td><td class=\"startCol-4 endCol-4 valign-top align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:top;\">-79 </td><td class=\"startCol-5 endCol-5 valign-top align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:top;\">-83 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-right-1 border-top-1 format-notes\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">Net result for the year </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-right-1 border-top-1 format-notes\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:top;\">1,086 </td><td class=\"startCol-4 endCol-4 valign-top align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:top;\"><i>-1,710 </i></td><td class=\"startCol-5 endCol-5 valign-top align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:top;\"><i>933 </i></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\"><i>Less: interim dividend </i></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-right-1 border-top-1 format-notes\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:top;\"><i>-228 </i></td><td class=\"startCol-4 endCol-4 valign-top align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:top;\"><i>-131 </i></td><td class=\"startCol-5 endCol-5 valign-top align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:top;\"><i>-111 </i></td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">Unappropriated result </td><td class=\"startCol-2 endCol-2 valign-top align-right border-bottom-1 border-right-1 border-top-1 format-notes\" style=\"text-align:right;vertical-align:top;\">7.11.3.12 </td><td class=\"startCol-3 endCol-3 valign-top align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:top;\">858 </td><td class=\"startCol-4 endCol-4 valign-top align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:top;\">-1,841 </td><td class=\"startCol-5 endCol-5 valign-top align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:top;\">821 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-top align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\"><b>Equity attributable to shareholders </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-right-1 border-top-1 format-notes\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:top;\"><b>8,339 </b></td><td class=\"startCol-4 endCol-4 valign-top align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:top;\"><b>5,146 </b></td><td class=\"startCol-5 endCol-5 valign-top align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:top;\"><b>6,171 </b></td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">Other equity instruments </td><td class=\"startCol-2 endCol-2 valign-top align-right border-bottom-1 border-right-1 border-top-1 format-notes\" style=\"text-align:right;vertical-align:top;\">7.11.3.12 </td><td class=\"startCol-3 endCol-3 valign-top align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:top;\">1,004 </td><td class=\"startCol-4 endCol-4 valign-top align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:top;\"><i>1,004 </i></td><td class=\"startCol-5 endCol-5 valign-top align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:top;\"><i>1,004 </i></td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-top align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\"><b>Equity attributable to holders of equity instruments </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-right-1 border-top-1 format-notes\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:top;\"><b>9,343 </b></td><td class=\"startCol-4 endCol-4 valign-top align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:top;\"><b>6,150 </b></td><td class=\"startCol-5 endCol-5 valign-top align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:top;\"><b>7,175 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-right-1 border-top-1 format-notes\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top align-left border-bottom-1\" style=\"text-align:left;vertical-align:top;\"><b>Provisions </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-right-1 format-notes\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">Employee benefits </td><td class=\"startCol-2 endCol-2 valign-top align-right border-bottom-1 border-right-1 border-top-1 format-notes\" style=\"text-align:right;vertical-align:top;\">7.11.3.13 </td><td class=\"startCol-3 endCol-3 valign-top align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:top;\">5,218 </td><td class=\"startCol-4 endCol-4 valign-top align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:top;\">2,742 </td><td class=\"startCol-5 endCol-5 valign-top align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:top;\">4,013 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">Other provisions </td><td class=\"startCol-2 endCol-2 valign-top align-right border-bottom-1 border-right-1 border-top-1 format-notes\" style=\"text-align:right;vertical-align:top;\">7.11.3.14 </td><td class=\"startCol-3 endCol-3 valign-top align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:top;\">84 </td><td class=\"startCol-4 endCol-4 valign-top align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:top;\">3 </td><td class=\"startCol-5 endCol-5 valign-top align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:top;\">8 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-top align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\"><b>Total provisions </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-right-1 border-top-1 format-notes\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:top;\"><b>5,302 </b></td><td class=\"startCol-4 endCol-4 valign-top align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:top;\"><b>2,745 </b></td><td class=\"startCol-5 endCol-5 valign-top align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:top;\"><b>4,021 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-right-1 border-top-1 format-notes\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top align-left border-bottom-1\" style=\"text-align:left;vertical-align:top;\"><b>Long-term liabilities </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-right-1 format-notes\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">Subordinated liabilities </td><td class=\"startCol-2 endCol-2 valign-top align-right border-bottom-1 border-right-1 border-top-1 format-notes\" style=\"text-align:right;vertical-align:top;\">7.11.3.15 </td><td class=\"startCol-3 endCol-3 valign-top align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:top;\">2,005 </td><td class=\"startCol-4 endCol-4 valign-top align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:top;\">2,005 </td><td class=\"startCol-5 endCol-5 valign-top align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:top;\">1,010 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">Borrowings </td><td class=\"startCol-2 endCol-2 valign-top align-right border-bottom-1 border-right-1 border-top-1 format-notes\" style=\"text-align:right;vertical-align:top;\">7.11.3.16 </td><td class=\"startCol-3 endCol-3 valign-top align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:top;\">845 </td><td class=\"startCol-4 endCol-4 valign-top align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:top;\">226 </td><td class=\"startCol-5 endCol-5 valign-top align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:top;\">234 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">Debts to group companies </td><td class=\"startCol-2 endCol-2 valign-top align-right border-bottom-1 border-right-1 border-top-1 format-notes\" style=\"text-align:right;vertical-align:top;\">7.11.3.17 </td><td class=\"startCol-3 endCol-3 valign-top align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:top;\">1,001 </td><td class=\"startCol-4 endCol-4 valign-top align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:top;\">- </td><td class=\"startCol-5 endCol-5 valign-top align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:top;\">- </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">Deferred tax liabilities </td><td class=\"startCol-2 endCol-2 valign-top align-right border-bottom-1 border-right-1 border-top-1 format-notes\" style=\"text-align:right;vertical-align:top;\">7.11.3.9 </td><td class=\"startCol-3 endCol-3 valign-top align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:top;\">255 </td><td class=\"startCol-4 endCol-4 valign-top align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:top;\">98 </td><td class=\"startCol-5 endCol-5 valign-top align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:top;\">66 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-top align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\"><b>Total long-term liabilities </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-right-1 border-top-1 format-notes\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:top;\"><b>4,105 </b></td><td class=\"startCol-4 endCol-4 valign-top align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:top;\"><b>2,329 </b></td><td class=\"startCol-5 endCol-5 valign-top align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:top;\"><b>1,309 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-right-1 border-top-1 format-notes\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top align-left border-bottom-1\" style=\"text-align:left;vertical-align:top;\"><b>Current liabilities </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-right-1 format-notes\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">Due to banks </td><td class=\"startCol-2 endCol-2 valign-top align-right border-bottom-1 border-right-1 border-top-1 format-notes\" style=\"text-align:right;vertical-align:top;\">7.11.3.18 </td><td class=\"startCol-3 endCol-3 valign-top align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:top;\">200 </td><td class=\"startCol-4 endCol-4 valign-top align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:top;\">78 </td><td class=\"startCol-5 endCol-5 valign-top align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:top;\">105 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">Other liabilities </td><td class=\"startCol-2 endCol-2 valign-top align-right border-bottom-1 border-right-1 border-top-1 format-notes\" style=\"text-align:right;vertical-align:top;\">7.11.3.19 </td><td class=\"startCol-3 endCol-3 valign-top align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:top;\">327 </td><td class=\"startCol-4 endCol-4 valign-top align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:top;\">69 </td><td class=\"startCol-5 endCol-5 valign-top align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:top;\">59 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-top align-left border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\"><b>Total current liabilities </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-right-1 border-top-1 format-notes\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:top;\"><b>527 </b></td><td class=\"startCol-4 endCol-4 valign-top align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:top;\"><b>147 </b></td><td class=\"startCol-5 endCol-5 valign-top align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:top;\"><b>164 </b></td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-right-1 border-top-1 format-notes\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\"><b>Total equity and liabilities </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-right-1 border-top-1 format-notes\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:top;\"><b>19,276 </b></td><td class=\"startCol-4 endCol-4 valign-top align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:top;\"><b>11,371 </b></td><td class=\"startCol-5 endCol-5 valign-top align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:top;\"><b>12,669 </b></td></tr></tbody></table> <br/>\n<p>The numbers following the line items refer to the relevant chapters in the notes to the company financial statements. </p>\n<div class=\"tanPageBreak start-node\"> </div>\n<h1 class=\"S_PARAGRAPH\" id=\"n1287201\"><span class=\"number\">7.11.2 </span><span class=\"title-text\">Company income statement </span></h1>\n<h3 class=\"table-title\">Company income statement </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:0%;\"/><col style=\"width:0%;\"/><col style=\"width:14%;\"/><col style=\"width:14%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\"><b>(in \u20ac\u00a0millions) </b></th><th class=\"startCol-2 endCol-2 valign-top align-right border-bottom-1 border-right-1 format-notes headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:top;\">Note </th><th class=\"startCol-3 endCol-3 valign-top align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:top;\">2023 </th><th class=\"startCol-4 endCol-4 valign-top align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:top;\">2022 <br/>restated </th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">Operating expenses </td><td class=\"startCol-2 endCol-2 valign-top align-right border-bottom-1 border-right-1 border-top-1 format-notes\" style=\"text-align:right;vertical-align:top;\">7.11.3.20 </td><td class=\"startCol-3 endCol-3 valign-top align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:top;\">-211 </td><td class=\"startCol-4 endCol-4 valign-top align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:top;\">-105 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">Impairments </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-right-1 border-top-1 format-notes\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:top;\">-1 </td><td class=\"startCol-4 endCol-4 valign-top align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:top;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">Other expenses </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-right-1 border-top-1 format-notes\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:top;\">-3 </td><td class=\"startCol-4 endCol-4 valign-top align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:top;\">-3 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">Other income </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-right-1 border-top-1 format-notes\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:top;\">124 </td><td class=\"startCol-4 endCol-4 valign-top align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:top;\">4 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-right-1 border-top-1 format-notes\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1\" style=\"text-align:left;vertical-align:top;\"><b>Income from subsidiaries and investments </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-right-1 format-notes\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">Share of result in subsidiaries </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-right-1 border-top-1 format-notes\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:top;\">1,115 </td><td class=\"startCol-4 endCol-4 valign-top align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:top;\">-931 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">Investment income </td><td class=\"startCol-2 endCol-2 valign-top align-right border-bottom-1 border-right-1 border-top-1 format-notes\" style=\"text-align:right;vertical-align:top;\">7.11.3.21 </td><td class=\"startCol-3 endCol-3 valign-top align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:top;\">56 </td><td class=\"startCol-4 endCol-4 valign-top align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:top;\">9 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">Fair value gains and losses </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-right-1 border-top-1 format-notes\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:top;\">21 </td><td class=\"startCol-4 endCol-4 valign-top align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:top;\">-5 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">Interest expenses </td><td class=\"startCol-2 endCol-2 valign-top align-right border-bottom-1 border-right-1 border-top-1 format-notes\" style=\"text-align:right;vertical-align:top;\">7.11.3.22 </td><td class=\"startCol-3 endCol-3 valign-top align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:top;\">-85 </td><td class=\"startCol-4 endCol-4 valign-top align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:top;\">-963 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-right-1 border-top-1 format-notes\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\"><b>Result before tax </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-right-1 border-top-1 format-notes\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:top;\"><b>1,016 </b></td><td class=\"startCol-4 endCol-4 valign-top align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:top;\"><b>-1,995 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-right-1 border-top-1 format-notes\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">Income tax (expense) / gain </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-right-1 border-top-1 format-notes\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:top;\">70 </td><td class=\"startCol-4 endCol-4 valign-top align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:top;\">285 </td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\"><b>Net result </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-right-1 border-top-1 format-notes\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:top;\"><b>1,086 </b></td><td class=\"startCol-4 endCol-4 valign-top align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:top;\"><b>-1,710 </b></td></tr></tbody></table> <br/>\n<p>The share of result in subsidiaries and the other income related to the bargain purchase of \u20ac\u00a0153 million on the Aegon NL transaction are non-taxable as a result of the participation exemption under Dutch tax law. </p>\n<div class=\"tanPageBreak start-node\"> </div>\n<h1 class=\"S_PARAGRAPH\" id=\"n1287223\"><span class=\"number\">7.11.3 </span><span class=\"title-text\">Notes to the company financial statements </span></h1>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n1287541\"><span class=\"title-text\">7.11.3.1 Changes in comparative figures </span></h1>\n<p>a.s.r. has adopted the following new standards, including any consequential amendments to other standards, with a date of initial application of 1 January 2023: </p><ul><li>\n<p>IFRS 17 Insurance contracts; </p></li><li>\n<p>IFRS 9 Financial instruments. </p></li></ul>\n<p>The impact of these changes on a.s.r.\u2019s profit before tax and shareholders returns is summarised in <a href=\"#n1286092\" title=\"Changes in EU endorsed published IFRS Standards and Interpretations effective in 2023\">chapter 7.3.1</a>. In line with IFRS accounting requirements the comparative figures relating to IFRS 17 have been restated. In addition, a.s.r. has chosen to restate the comparative figures relating to IFRS 9. </p>\n<p>Below, the reconciliation of the 2022 and 2021 company balance sheet is disclosed to account for the impact of IFRS 17 and IFRS 9. </p>\n<h3 class=\"table-title\">Reconciliation of the company balance sheet 31 December 2022 </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:0%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;\">(in \u20ac\u00a0millions) </th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>31 December 2022 </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Reclassification </b></th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Remeasurements </b></th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Restated <br/>31 December 2022 </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Intangible assets </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">35 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">35 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Property and equipment </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">219 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1\" style=\"text-align:right;vertical-align:middle;\">219 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Subsidiaries </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">6,265 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:bottom;\">-484 </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1\" style=\"text-align:right;vertical-align:middle;\">5,781 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Loans to group companies </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">71 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:bottom;\">1 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:bottom;\">-4 </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1\" style=\"text-align:right;vertical-align:middle;\">67 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Investments </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">2,039 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:bottom;\">1 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1\" style=\"text-align:right;vertical-align:middle;\">2,040 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Loans and deposits </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Derivatives </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">3 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-bottom-1 border-left-1\" style=\"text-align:right;vertical-align:middle;\">3 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total non-current assets </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>8,633 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>2 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-489 </b></td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>8,146 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Other receivables </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">3,363 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:bottom;\">-2 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:bottom;\">-241 </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1\" style=\"text-align:right;vertical-align:middle;\">3,120 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Cash and cash equivalents </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">104 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-bottom-1 border-left-1\" style=\"text-align:right;vertical-align:middle;\">104 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total current assets </b></td><td class=\"startCol-2 endCol-2 valign-middle align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>3,468 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-2 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-241 </b></td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>3,225 </b></td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total assets </b></td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>12,101 </b></td><td class=\"startCol-3 endCol-3 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\"><b>- </b></td><td class=\"startCol-4 endCol-4 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>-730 </b></td><td class=\"startCol-5 endCol-5 valign-middle align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>11,371 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Share capital </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">24 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1\" style=\"text-align:right;vertical-align:middle;\">24 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Share premium reserve </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">1,533 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1\" style=\"text-align:right;vertical-align:middle;\">1,533 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Legal reserves </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">27 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:bottom;\">261 </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1\" style=\"text-align:right;vertical-align:middle;\">289 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Actuarial gains and losses </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">-168 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1\" style=\"text-align:right;vertical-align:middle;\">-168 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Retained earnings </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">3,783 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:bottom;\">1,604 </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1\" style=\"text-align:right;vertical-align:middle;\">5,388 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Treasury shares </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">-79 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1\" style=\"text-align:right;vertical-align:middle;\">-79 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\"><i>Net result for the year </i></td><td class=\"startCol-2 endCol-2 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\"><i>732 </i></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\"><i>-2442 </i></td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1\" style=\"text-align:right;vertical-align:middle;\"><i>-1,710 </i></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-right-1\" style=\"text-align:left;vertical-align:top;\"><i>Less: interim dividend </i></td><td class=\"startCol-2 endCol-2 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\"><i>-131 </i></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1\" style=\"text-align:right;vertical-align:middle;\"><i>-131 </i></td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">Unappropriated result </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">601 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-bottom-1 border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">-2442 </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-bottom-1 border-left-1\" style=\"text-align:right;vertical-align:middle;\">-1,841 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Equity attributable to shareholders </b></td><td class=\"startCol-2 endCol-2 valign-middle align-right border-left-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>5,722 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>-576 </b></td><td class=\"startCol-5 endCol-5 valign-middle align-right border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>5,146 </b></td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Other equity instruments </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">1,004 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-bottom-1 border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-bottom-1 border-left-1\" style=\"text-align:right;vertical-align:middle;\">1,004 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Equity attributable to holders of equity instruments </b></td><td class=\"startCol-2 endCol-2 valign-middle align-right border-left-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>6,726 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>-576 </b></td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>6,150 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Provisions </b></td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Employee benefits </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">2,742 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1\" style=\"text-align:right;vertical-align:middle;\">2,742 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Other provisions </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">3 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-5 endCol-5 valign-middle align-right border-bottom-1 border-left-1\" style=\"text-align:right;vertical-align:middle;\">3 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total provisions </b></td><td class=\"startCol-2 endCol-2 valign-middle align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>2,745 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>2,745 </b></td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Long-term liabilities </b></td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Subordinated liabilities </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">1,980 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">26 </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1\" style=\"text-align:right;vertical-align:middle;\">2,005 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Borrowings </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">226 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1\" style=\"text-align:right;vertical-align:middle;\">226 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Deferred tax liabilities </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1\" style=\"text-align:right;vertical-align:bottom;\">130 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1\" style=\"text-align:right;vertical-align:bottom;\">-32 </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-bottom-1 border-left-1\" style=\"text-align:right;vertical-align:middle;\">98 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total long-term liabilities </b></td><td class=\"startCol-2 endCol-2 valign-middle align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>2,336 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>26 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-32 </b></td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>2,329 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-right-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Current liabilities </b></td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\">Other liabilities </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">216 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">-26 </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">-121 </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1\" style=\"text-align:right;vertical-align:middle;\">69 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Due to banks </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">78 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-bottom-1 border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-bottom-1 border-left-1\" style=\"text-align:right;vertical-align:middle;\">78 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total current liabilities </b></td><td class=\"startCol-2 endCol-2 valign-middle align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>294 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-26 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-121 </b></td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>147 </b></td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total equity and liabilities </b></td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>12,101 </b></td><td class=\"startCol-3 endCol-3 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\"><b>- </b></td><td class=\"startCol-4 endCol-4 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>-730 </b></td><td class=\"startCol-5 endCol-5 valign-middle align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>11,371 </b></td></tr></tbody></table> <br/>\n<div class=\"tanPageBreak newPage\"> </div>\n<h3 class=\"table-title\">Reconciliation of the company balance sheet 1 January 2022 </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:auto;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;\">(in \u20ac\u00a0millions) </th><th class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>31 December 2021 </b></th><th class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Reclassification </b></th><th class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Remeasurements </b></th><th class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Restated <br/>1 January 2022 </b></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Intangible assets </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">38 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\">38 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Property and equipment </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">229 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1\" style=\"text-align:right;vertical-align:middle;\">229 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Subsidiaries </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">8,293 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:bottom;\">-561 </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1\" style=\"text-align:right;vertical-align:middle;\">7,732 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Loans to group companies </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">45 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:bottom;\">1 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1\" style=\"text-align:right;vertical-align:middle;\">46 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Investments </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">502 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:bottom;\">4 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1\" style=\"text-align:right;vertical-align:middle;\">507 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Loans and deposits </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">20 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:bottom;\">20 </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1\" style=\"text-align:right;vertical-align:middle;\">41 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Deferred tax assets </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">62 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-4 endCol-4 valign-middle align-right border-bottom-1 border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">-62 </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-bottom-1 border-left-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total non-current assets </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>9,191 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>5 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-603 </b></td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>8,593 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Other receivables </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">3,587 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:bottom;\">-5 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:bottom;\">476 </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1\" style=\"text-align:right;vertical-align:middle;\">4,058 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Cash and cash equivalents </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">18 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-bottom-1 border-left-1\" style=\"text-align:right;vertical-align:middle;\">18 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total current assets </b></td><td class=\"startCol-2 endCol-2 valign-middle align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>3,605 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-5 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>476 </b></td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>4,076 </b></td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total assets </b></td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>12,796 </b></td><td class=\"startCol-3 endCol-3 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\"><b>- </b></td><td class=\"startCol-4 endCol-4 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>-127 </b></td><td class=\"startCol-5 endCol-5 valign-middle align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>12,669 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Share capital </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">22 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1\" style=\"text-align:right;vertical-align:middle;\">22 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Share premium reserve </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">956 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1\" style=\"text-align:right;vertical-align:middle;\">956 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Legal reserves </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">2,445 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:bottom;\">-1,679 </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1\" style=\"text-align:right;vertical-align:middle;\">767 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Actuarial gains and losses </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">-1,055 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1\" style=\"text-align:right;vertical-align:middle;\">-1,055 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Retained earnings </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">3,247 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:bottom;\">1,495 </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1\" style=\"text-align:right;vertical-align:middle;\">4,742 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Treasury shares </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">-83 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1\" style=\"text-align:right;vertical-align:middle;\">-83 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\"><i>Net result for the year </i></td><td class=\"startCol-2 endCol-2 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\"><i>942 </i></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\"><i>-9 </i></td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1\" style=\"text-align:right;vertical-align:middle;\"><i>933 </i></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-right-1\" style=\"text-align:left;vertical-align:top;\"><i>Less: interim dividend </i></td><td class=\"startCol-2 endCol-2 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\"><i>-111 </i></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1\" style=\"text-align:right;vertical-align:middle;\"><i>-111 </i></td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">Unappropriated result </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">830 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-bottom-1 border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">-9 </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-bottom-1 border-left-1\" style=\"text-align:right;vertical-align:middle;\">821 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Equity attributable to shareholders </b></td><td class=\"startCol-2 endCol-2 valign-middle align-right border-left-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>6,363 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>-192 </b></td><td class=\"startCol-5 endCol-5 valign-middle align-right border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>6,171 </b></td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Other equity instruments </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">1,004 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-bottom-1 border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-bottom-1 border-left-1\" style=\"text-align:right;vertical-align:middle;\">1,004 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Equity attributable to holders of equity instruments </b></td><td class=\"startCol-2 endCol-2 valign-middle align-right border-left-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>7,367 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>-192 </b></td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>7,175 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Provisions </b></td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Employee benefits </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">4,013 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1\" style=\"text-align:right;vertical-align:middle;\">4,013 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Other provisions </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">8 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-5 endCol-5 valign-middle align-right border-bottom-1 border-left-1\" style=\"text-align:right;vertical-align:middle;\">8 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total provisions </b></td><td class=\"startCol-2 endCol-2 valign-middle align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>4,021 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>4,021 </b></td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Long-term liabilities </b></td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Subordinated liabilities </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">992 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">18 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1\" style=\"text-align:right;vertical-align:middle;\">1,010 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Borrowings </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">234 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1\" style=\"text-align:right;vertical-align:middle;\">234 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Deferred tax liabilities </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1\" style=\"text-align:right;vertical-align:bottom;\">66 </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-bottom-1 border-left-1\" style=\"text-align:right;vertical-align:middle;\">66 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total long-term liabilities </b></td><td class=\"startCol-2 endCol-2 valign-middle align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>1,226 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>18 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>66 </b></td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>1,309 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-right-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Current liabilities </b></td><td class=\"startCol-2 endCol-2 valign-top border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\">Due to banks </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">105 </td><td class=\"startCol-3 endCol-3 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1\" style=\"text-align:right;vertical-align:middle;\">105 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Other liabilities </td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 border-right-1\" style=\"text-align:right;vertical-align:middle;\">77 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1\" style=\"text-align:right;vertical-align:bottom;\">-18 </td><td class=\"startCol-4 endCol-4 valign-middle align-right border-bottom-1 border-left-1 border-right-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-bottom-1 border-left-1\" style=\"text-align:right;vertical-align:middle;\">59 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total current liabilities </b></td><td class=\"startCol-2 endCol-2 valign-middle align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>182 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-18 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-5 endCol-5 valign-middle align-right border-left-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>164 </b></td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Total equity and liabilities </b></td><td class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>12,796 </b></td><td class=\"startCol-3 endCol-3 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:middle;\"><b>- </b></td><td class=\"startCol-4 endCol-4 valign-middle align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>-127 </b></td><td class=\"startCol-5 endCol-5 valign-middle align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:middle;\"><b>12,669 </b></td></tr></tbody></table> <br/>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n1287564\"><span class=\"title-text\">7.11.3.2 Accounting policies </span></h1>\n<p>The company financial statements are prepared in accordance with Title 9, Book 2 of the Dutch Civil Code. The consolidated financial statements of a.s.r. for 2023 have been prepared in accordance with IFRS \u2013 including the IAS and Interpretations \u2013 as accepted within the EU and with part 9 of the book of the Dutch Civil Code. In accordance with Section 362(8), Book 2 of the Dutch Civil Code, the same accounting policies for the recognition and measurement of assets and liabilities and determination of results applied to the company financial statements are applied to the consolidated financial statements. </p>\n<p>Investments in group companies are recognised, using the equity method, in accordance with the accounting policies used in a.s.r.\u2019s consolidated financial statements whereby the goodwill, if any, is presented separately. The share of profit of group companies is reported in conformity with the accounting policies used in a.s.r.\u2019s consolidated financial statements. </p>\n<p>Lease contracts are disclosed using IFRS 16 based on the option under RJ 292.1. </p>\n<p>Unless stated otherwise, all amounts presented in these financial statements are in millions of \u20ac. Calculations in the tables are made using unrounded figures. As a result rounding differences can occur. </p>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n1287790\"><span class=\"title-text\">7.11.3.3 <b>Acquisitions and legal mergers </b></span></h1>\n<p>On 4 July 2023, a.s.r. announced the completion of its business combination between a.s.r. and Aegon NL by acquiring the shares of Aegon NL. </p>\n<p>Following the acquisition, on 1 October 2023, Aegon NL has legally merged with a.s.r. As a result, Aegon NL has ceased to exist as a separate legal entity. The merger occurs with effect from 1 January 2023. The merger was between companies with the same parent (\u2018common control transaction\u2019) hence the merger has been accounted for applying the pooling of interest method using existing book values as used by the parent. </p>\n<p>From 4 July 2023 onwards, a.s.r. has fully included the results and balance sheet positions in the a.s.r. financial statements. For the period when a.s.r. had no control of Aegon NL (1 January 2023 up to 4 July 2023), Aegon NL reported a net income of \u20ac\u00a0237 million. </p>\n<p>Changes in the composition of the group relates to the assets acquired through the acquisition of Aegon NL, see chapter <a href=\"#n1287134\" title=\"Acquisitions\">7.4.5</a>. </p>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n1287586\"><span class=\"title-text\">7.11.3.4 Intangible assets  <br/></span></h1>\n<h3 class=\"table-title\">Intangible assets </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:0%;\"/><col style=\"width:14%;\"/><col style=\"width:14%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-top align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:top;\">2023 </th><th class=\"startCol-3 endCol-3 valign-top align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:top;\">2022 </th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">Goodwill </td><td class=\"startCol-2 endCol-2 valign-top align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:top;\">17 </td><td class=\"startCol-3 endCol-3 valign-top align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:top;\">17 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">Intangible assets </td><td class=\"startCol-2 endCol-2 valign-top align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:top;\">346 </td><td class=\"startCol-3 endCol-3 valign-top align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:top;\">17 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\"><b>Total intangible assets </b></td><td class=\"startCol-2 endCol-2 valign-top align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:top;\"><b>363 </b></td><td class=\"startCol-3 endCol-3 valign-top align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:top;\"><b>35 </b></td></tr></tbody></table> <br/>\n<p>The goodwill relates to the acquisition of BNG Vermogensbeheer in 2016 (\u20ac\u00a04 million) and to the acquisition of Generali in 2018 (\u20ac\u00a013 million). No impairments were deemed necessary. For more information see chapter <a href=\"#n1289264\" title=\"Intangible assets\">7.5.1. </a></p>\n<p>The change in the amount of intangible assets relates to the integration of Aegon NL (\u20ac\u00a0349 million) and amortisation (\u20ac\u00a021 million) which is presented in the operating expenses. </p>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n1287609\"><span class=\"title-text\">7.11.3.5 Property and equipment  <br/></span></h1>\n<h3 class=\"table-title\">Property and equipment </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:0%;\"/><col style=\"width:14%;\"/><col style=\"width:14%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-top align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:top;\">2023 </th><th class=\"startCol-3 endCol-3 valign-top align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:top;\">2022 </th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\"><b>Right-of-use assets: </b></td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">Land and buildings owned by subsidiary </td><td class=\"startCol-2 endCol-2 valign-top align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:top;\">230 </td><td class=\"startCol-3 endCol-3 valign-top align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:top;\">209 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">Vehicles </td><td class=\"startCol-2 endCol-2 valign-top align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:top;\">6 </td><td class=\"startCol-3 endCol-3 valign-top align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:top;\">7 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">Other </td><td class=\"startCol-2 endCol-2 valign-top align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:top;\">20 </td><td class=\"startCol-3 endCol-3 valign-top align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:top;\">3 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\"><b>Total property and equipment </b></td><td class=\"startCol-2 endCol-2 valign-top align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:top;\"><b>256 </b></td><td class=\"startCol-3 endCol-3 valign-top align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:top;\"><b>219 </b></td></tr></tbody></table> <br/>\n<p>The right-of-use assets includes property and equipment that is leased by a.s.r. Land and buildings owned by subsidiary relates mainly to the a.s.r. head office, which is owned by a.s.r. life. </p>\n<h3 class=\"table-title\">Changes in property and equipment </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:0%;\"/><col style=\"width:14%;\"/><col style=\"width:14%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-top align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:top;\">2023 </th><th class=\"startCol-3 endCol-3 valign-top align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:top;\">2022 </th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">At 1 January </td><td class=\"startCol-2 endCol-2 valign-top align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:top;\">219 </td><td class=\"startCol-3 endCol-3 valign-top align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:top;\">229 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">Additions </td><td class=\"startCol-2 endCol-2 valign-top align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:top;\">2 </td><td class=\"startCol-3 endCol-3 valign-top align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:top;\">2 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">Depreciation </td><td class=\"startCol-2 endCol-2 valign-top align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:top;\">-13 </td><td class=\"startCol-3 endCol-3 valign-top align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:top;\">-11 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">Remeasurement </td><td class=\"startCol-2 endCol-2 valign-top align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:top;\">10 </td><td class=\"startCol-3 endCol-3 valign-top align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:top;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">Other changes </td><td class=\"startCol-2 endCol-2 valign-top align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:top;\">-3 </td><td class=\"startCol-3 endCol-3 valign-top align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:top;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">Changes in the composition of the group </td><td class=\"startCol-2 endCol-2 valign-top align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:top;\">42 </td><td class=\"startCol-3 endCol-3 valign-top align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:top;\">- </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\"><b>At 31 December </b></td><td class=\"startCol-2 endCol-2 valign-top align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:top;\"><b>256 </b></td><td class=\"startCol-3 endCol-3 valign-top align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:top;\"><b>219 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">Gross carrying amount as at 31 December </td><td class=\"startCol-2 endCol-2 valign-top align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:top;\">378 </td><td class=\"startCol-3 endCol-3 valign-top align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:top;\">259 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">Accumulated depreciation as at 31 December </td><td class=\"startCol-2 endCol-2 valign-top align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:top;\">-122 </td><td class=\"startCol-3 endCol-3 valign-top align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:top;\">-40 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:top;\"><b>Net carrying value as at 31 December </b></td><td class=\"startCol-2 endCol-2 valign-top align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:top;\"><b>256 </b></td><td class=\"startCol-3 endCol-3 valign-top align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:top;\"><b>219 </b></td></tr></tbody></table> <br/>\n<p>Depreciation of property and equipment is recorded in the operating expenses (see chapter <a href=\"#n1287677\" title=\"7.11.3.20 Operating expenses\">7.11.3.21</a>). </p>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n1287632\"><span class=\"title-text\">7.11.3.6 Subsidiaries </span></h1>\n<h3 class=\"table-title\">Subsidiaries </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:0%;\"/><col style=\"width:14%;\"/><col style=\"width:14%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-top align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:top;\">2023 </th><th class=\"startCol-3 endCol-3 valign-top align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:top;\">2022 </th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">At 1 January </td><td class=\"startCol-2 endCol-2 valign-top align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:top;\">5,781 </td><td class=\"startCol-3 endCol-3 valign-top align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:top;\">7,732 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">Additions </td><td class=\"startCol-2 endCol-2 valign-top align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:top;\">13 </td><td class=\"startCol-3 endCol-3 valign-top align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:top;\">39 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">Share of result </td><td class=\"startCol-2 endCol-2 valign-top align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:top;\">1,115 </td><td class=\"startCol-3 endCol-3 valign-top align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:top;\">-931 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">Dividend received </td><td class=\"startCol-2 endCol-2 valign-top align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:top;\">-1,194 </td><td class=\"startCol-3 endCol-3 valign-top align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:top;\">-753 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">Revaluations </td><td class=\"startCol-2 endCol-2 valign-top align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:top;\">202 </td><td class=\"startCol-3 endCol-3 valign-top align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:top;\">-412 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">Other changes </td><td class=\"startCol-2 endCol-2 valign-top align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:top;\">-9 </td><td class=\"startCol-3 endCol-3 valign-top align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:top;\">106 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">Changes in the composition of the group </td><td class=\"startCol-2 endCol-2 valign-top align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:top;\">5,570 </td><td class=\"startCol-3 endCol-3 valign-top align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:top;\">- </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\"><b>At 31 December </b></td><td class=\"startCol-2 endCol-2 valign-top align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:top;\"><b>11,478 </b></td><td class=\"startCol-3 endCol-3 valign-top align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:top;\"><b>5,781 </b></td></tr></tbody></table> <br/>\n<p>Changes in the composition of the group relates to the assets acquired through the acquisition of Aegon NL, see <a href=\"#n1287134\" title=\"Acquisitions\">chapter 7.4.5</a>. </p>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n1287290\"><span class=\"title-text\">7.11.3.7 Loans to group companies </span></h1>\n<h3 class=\"table-title\">Loans to group companies </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:0%;\"/><col style=\"width:14%;\"/><col style=\"width:14%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-top align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:top;\">2023 </th><th class=\"startCol-3 endCol-3 valign-top align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:top;\">2022 </th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">At 1 January </td><td class=\"startCol-2 endCol-2 valign-top align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:top;\">68 </td><td class=\"startCol-3 endCol-3 valign-top align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:top;\">45 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">Issues </td><td class=\"startCol-2 endCol-2 valign-top align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:top;\">305 </td><td class=\"startCol-3 endCol-3 valign-top align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:top;\">26 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">Revaluations </td><td class=\"startCol-2 endCol-2 valign-top align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:top;\">1 </td><td class=\"startCol-3 endCol-3 valign-top align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:top;\">-4 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">Accrued interest </td><td class=\"startCol-2 endCol-2 valign-top align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:top;\">4 </td><td class=\"startCol-3 endCol-3 valign-top align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:top;\">1 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\"><b>At 31 December </b></td><td class=\"startCol-2 endCol-2 valign-top align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:top;\"><b>378 </b></td><td class=\"startCol-3 endCol-3 valign-top align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:top;\"><b>68 </b></td></tr></tbody></table> <br/>\n<p>The loans to group companies with a principal amount of \u20ac\u00a0376 million (2022: \u20ac\u00a071 million) are expected to be settled more than one year after the balance sheet date and have an average interest rate of 6.22% (2022: 5.90%). Interest income on loans to group companies amounts to \u20ac\u00a06 million (2022: \u20ac\u00a02 million). </p>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n1287312\"><span class=\"title-text\">7.11.3.8 Investments </span></h1>\n<p>Excess cash was invested in short term government bonds. Short term government bonds held at 2022 were sold to finance the Aegon NL transaction. </p>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n1287334\"><span class=\"title-text\">7.11.3.9 Deferred tax assets </span></h1>\n<p>The deferred tax assets mainly arises from the difference in commercial and fiscal valuation of employee benefits (including the assets resulting from the insurance contracts, which are administrated by a.s.r. life) amounting to - \u20ac\u00a0180 million (2022: \u20ac\u00a0-86 million). </p>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n1287356\"><span class=\"title-text\">7.11.3.10 Other receivables </span></h1>\n<p>The other receivables include receivables from group companies, which include the receivable (reimbursement right) with respect to insurance contracts for the pension plan of a.s.r. administered by a.s.r. life and Aegon Life amounting to \u20ac\u00a05,955 million (2022: \u20ac\u00a03,035 million). The value is equal to the value of the related insurance contracts administered by a.s.r. life and Aegon Life, which are both eliminated in the consolidated financial statements. The remaining portion of the receivables from group companies is payable on demand. </p>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n1287378\"><span class=\"title-text\">7.11.3.11 Cash and cash equivalents </span></h1>\n<p>In 2023, cash is invested in short-term government bonds, see chapter <a href=\"#n1287312\" title=\"7.11.3.8 Investments\">7.11.3.8</a>. </p>\n<p>Cash and cash equivalents are fully and freely available. </p>\n<div class=\"tanPageBreak start-node\"> </div>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n1287401\"><span class=\"title-text\">7.11.3.12 Equity  <br/></span></h1>\n<h3 class=\"table-title\">Statement of changes in equity </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:auto;\"/><col style=\"width:6.5%;\"/><col style=\"width:6.5%;\"/><col style=\"width:6.5%;\"/><col style=\"width:6.5%;\"/><col style=\"width:6.5%;\"/><col style=\"width:6.5%;\"/><col style=\"width:6.5%;\"/><col style=\"width:6.5%;\"/><col style=\"width:6.5%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-center border-bottom-1 border-left-1 textRotation-90 headrow headrow-last\" scope=\"col\" style=\"text-align:center;vertical-align:bottom;\">\n<div><b>Share capital </b></div></th><th class=\"startCol-3 endCol-3 valign-bottom align-center border-bottom-1 textRotation-90 headrow headrow-last\" scope=\"col\" style=\"text-align:center;vertical-align:bottom;\">\n<div><b>Share premium reserve </b></div></th><th class=\"startCol-4 endCol-4 valign-bottom align-center border-bottom-1 textRotation-90 headrow headrow-last\" scope=\"col\" style=\"text-align:center;vertical-align:bottom;\">\n<div><b>Legal reserves </b></div></th><th class=\"startCol-5 endCol-5 valign-bottom align-center border-bottom-1 textRotation-90 headrow headrow-last\" scope=\"col\" style=\"text-align:center;vertical-align:bottom;\">\n<div><b>Actuarial gains and losses </b></div></th><th class=\"startCol-6 endCol-6 valign-bottom align-center border-bottom-1 textRotation-90 headrow headrow-last\" scope=\"col\" style=\"text-align:center;vertical-align:bottom;\">\n<div><b>Retained earnings </b></div></th><th class=\"startCol-7 endCol-7 valign-bottom align-center border-bottom-1 textRotation-90 headrow headrow-last\" scope=\"col\" style=\"text-align:center;vertical-align:bottom;\">\n<div><b>Treasury shares </b></div></th><th class=\"startCol-8 endCol-8 valign-bottom align-center border-bottom-1 textRotation-90 headrow headrow-last\" scope=\"col\" style=\"text-align:center;vertical-align:bottom;\">\n<div><b>Unappropriated result </b></div></th><th class=\"startCol-9 endCol-9 valign-bottom align-center border-bottom-1 textRotation-90 headrow headrow-last\" scope=\"col\" style=\"text-align:center;vertical-align:bottom;\">\n<div><b>Other equity instruments </b></div></th><th class=\"startCol-10 endCol-10 valign-bottom align-center border-bottom-1 textRotation-90 headrow headrow-last\" scope=\"col\" style=\"text-align:center;vertical-align:bottom;\">\n<div><b>Equity </b></div></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\"><b>1 January 2022, as previously reported </b></td><td class=\"startCol-2 endCol-2 valign-top align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:top;\">22 </td><td class=\"startCol-3 endCol-3 valign-top align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:top;\">956 </td><td class=\"startCol-4 endCol-4 valign-top align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:top;\">2,445 </td><td class=\"startCol-5 endCol-5 valign-top align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:top;\">-1,055 </td><td class=\"startCol-6 endCol-6 valign-top align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:top;\">3,246 </td><td class=\"startCol-7 endCol-7 valign-top align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:top;\">-83 </td><td class=\"startCol-8 endCol-8 valign-top align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:top;\">830 </td><td class=\"startCol-9 endCol-9 valign-top align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:top;\">1,004 </td><td class=\"startCol-10 endCol-10 valign-top align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:top;\">7,366 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">Impact of changes in accounting standards </td><td class=\"startCol-2 endCol-2 valign-top align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:top;\">- </td><td class=\"startCol-3 endCol-3 valign-top align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:top;\">- </td><td class=\"startCol-4 endCol-4 valign-top align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:top;\">-1,679 </td><td class=\"startCol-5 endCol-5 valign-top align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:top;\">- </td><td class=\"startCol-6 endCol-6 valign-top align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:top;\">1,497 </td><td class=\"startCol-7 endCol-7 valign-top align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:top;\">- </td><td class=\"startCol-8 endCol-8 valign-top align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:top;\">-9 </td><td class=\"startCol-9 endCol-9 valign-top align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:top;\">- </td><td class=\"startCol-10 endCol-10 valign-top align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:top;\">-191 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\"><b>Restated at 1 January 2022 </b></td><td class=\"startCol-2 endCol-2 valign-top align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:top;\"><b>22 </b></td><td class=\"startCol-3 endCol-3 valign-top align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:top;\"><b>956 </b></td><td class=\"startCol-4 endCol-4 valign-top align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:top;\"><b>767 </b></td><td class=\"startCol-5 endCol-5 valign-top align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:top;\"><b>-1,055 </b></td><td class=\"startCol-6 endCol-6 valign-top align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:top;\"><b>4,742 </b></td><td class=\"startCol-7 endCol-7 valign-top align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:top;\"><b>-83 </b></td><td class=\"startCol-8 endCol-8 valign-top align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:top;\"><b>821 </b></td><td class=\"startCol-9 endCol-9 valign-top align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:top;\"><b>1,004 </b></td><td class=\"startCol-10 endCol-10 valign-top align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:top;\"><b>7,175 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-8 endCol-8 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-9 endCol-9 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-10 endCol-10 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">Appropriation of the result previous year </td><td class=\"startCol-2 endCol-2 valign-top align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:top;\">- </td><td class=\"startCol-3 endCol-3 valign-top align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:top;\">- </td><td class=\"startCol-4 endCol-4 valign-top align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:top;\">- </td><td class=\"startCol-5 endCol-5 valign-top align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:top;\">- </td><td class=\"startCol-6 endCol-6 valign-top align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:top;\">821 </td><td class=\"startCol-7 endCol-7 valign-top align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:top;\">- </td><td class=\"startCol-8 endCol-8 valign-top align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:top;\">-821 </td><td class=\"startCol-9 endCol-9 valign-top align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:top;\">- </td><td class=\"startCol-10 endCol-10 valign-top align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:top;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">Net result for the year </td><td class=\"startCol-2 endCol-2 valign-top align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:top;\">- </td><td class=\"startCol-3 endCol-3 valign-top align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:top;\">- </td><td class=\"startCol-4 endCol-4 valign-top align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:top;\">- </td><td class=\"startCol-5 endCol-5 valign-top align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:top;\">- </td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:top;\">- </td><td class=\"startCol-8 endCol-8 valign-top align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:top;\">-1,710 </td><td class=\"startCol-9 endCol-9 valign-top align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:top;\">- </td><td class=\"startCol-10 endCol-10 valign-top align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:top;\">-1,710 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">Dividend paid </td><td class=\"startCol-2 endCol-2 valign-top align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:top;\">- </td><td class=\"startCol-3 endCol-3 valign-top align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:top;\">- </td><td class=\"startCol-4 endCol-4 valign-top align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:top;\">- </td><td class=\"startCol-5 endCol-5 valign-top align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:top;\">- </td><td class=\"startCol-6 endCol-6 valign-top align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:top;\">-214 </td><td class=\"startCol-7 endCol-7 valign-top align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:top;\">- </td><td class=\"startCol-8 endCol-8 valign-top align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:top;\">-131 </td><td class=\"startCol-9 endCol-9 valign-top align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:top;\">- </td><td class=\"startCol-10 endCol-10 valign-top align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:top;\">-346 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">Remeasurement of post-employment benefit obligation </td><td class=\"startCol-2 endCol-2 valign-top align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:top;\">- </td><td class=\"startCol-3 endCol-3 valign-top align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:top;\">- </td><td class=\"startCol-4 endCol-4 valign-top align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:top;\">- </td><td class=\"startCol-5 endCol-5 valign-top align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:top;\">887 </td><td class=\"startCol-6 endCol-6 valign-top align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:top;\">- </td><td class=\"startCol-7 endCol-7 valign-top align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:top;\">- </td><td class=\"startCol-8 endCol-8 valign-top align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:top;\">- </td><td class=\"startCol-9 endCol-9 valign-top align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:top;\">- </td><td class=\"startCol-10 endCol-10 valign-top align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:top;\">887 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">Unrealised change in value </td><td class=\"startCol-2 endCol-2 valign-top align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:top;\">- </td><td class=\"startCol-3 endCol-3 valign-top align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:top;\">- </td><td class=\"startCol-4 endCol-4 valign-top align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:top;\">-412 </td><td class=\"startCol-5 endCol-5 valign-top align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:top;\">- </td><td class=\"startCol-6 endCol-6 valign-top align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:top;\">87 </td><td class=\"startCol-7 endCol-7 valign-top align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:top;\">- </td><td class=\"startCol-8 endCol-8 valign-top align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:top;\">- </td><td class=\"startCol-9 endCol-9 valign-top align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:top;\">- </td><td class=\"startCol-10 endCol-10 valign-top align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:top;\">-325 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">Change in reserves required by law </td><td class=\"startCol-2 endCol-2 valign-top align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:top;\">- </td><td class=\"startCol-3 endCol-3 valign-top align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:top;\">- </td><td class=\"startCol-4 endCol-4 valign-top align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:top;\">-67 </td><td class=\"startCol-5 endCol-5 valign-top align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:top;\">- </td><td class=\"startCol-6 endCol-6 valign-top align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:top;\">67 </td><td class=\"startCol-7 endCol-7 valign-top align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:top;\">- </td><td class=\"startCol-8 endCol-8 valign-top align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:top;\">- </td><td class=\"startCol-9 endCol-9 valign-top align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:top;\">- </td><td class=\"startCol-10 endCol-10 valign-top align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:top;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">Discretionary interest on other equity instruments </td><td class=\"startCol-2 endCol-2 valign-top align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:top;\">- </td><td class=\"startCol-3 endCol-3 valign-top align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:top;\">- </td><td class=\"startCol-4 endCol-4 valign-top align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:top;\">- </td><td class=\"startCol-5 endCol-5 valign-top align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:top;\">- </td><td class=\"startCol-6 endCol-6 valign-top align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:top;\">-48 </td><td class=\"startCol-7 endCol-7 valign-top align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:top;\">- </td><td class=\"startCol-8 endCol-8 valign-top align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:top;\">- </td><td class=\"startCol-9 endCol-9 valign-top align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:top;\">- </td><td class=\"startCol-10 endCol-10 valign-top align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:top;\">-48 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">Issue of other equity instruments </td><td class=\"startCol-2 endCol-2 valign-top align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:top;\">- </td><td class=\"startCol-3 endCol-3 valign-top align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:top;\">- </td><td class=\"startCol-4 endCol-4 valign-top align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:top;\">- </td><td class=\"startCol-5 endCol-5 valign-top align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:top;\">- </td><td class=\"startCol-6 endCol-6 valign-top align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:top;\">-7 </td><td class=\"startCol-7 endCol-7 valign-top align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:top;\">- </td><td class=\"startCol-8 endCol-8 valign-top align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:top;\">- </td><td class=\"startCol-9 endCol-9 valign-top align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:top;\">- </td><td class=\"startCol-10 endCol-10 valign-top align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:top;\">-7 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">Treasury shares acquired (-) / sold </td><td class=\"startCol-2 endCol-2 valign-top align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:top;\">- </td><td class=\"startCol-3 endCol-3 valign-top align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:top;\">- </td><td class=\"startCol-4 endCol-4 valign-top align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:top;\">- </td><td class=\"startCol-5 endCol-5 valign-top align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:top;\">- </td><td class=\"startCol-6 endCol-6 valign-top align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:top;\">- </td><td class=\"startCol-7 endCol-7 valign-top align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:top;\">-71 </td><td class=\"startCol-8 endCol-8 valign-top align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:top;\">- </td><td class=\"startCol-9 endCol-9 valign-top align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:top;\">- </td><td class=\"startCol-10 endCol-10 valign-top align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:top;\">-71 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">Increase (decrease) in capital </td><td class=\"startCol-2 endCol-2 valign-top align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:top;\">2 </td><td class=\"startCol-3 endCol-3 valign-top align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:top;\">577 </td><td class=\"startCol-4 endCol-4 valign-top align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:top;\">- </td><td class=\"startCol-5 endCol-5 valign-top align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:top;\">- </td><td class=\"startCol-6 endCol-6 valign-top align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:top;\">-61 </td><td class=\"startCol-7 endCol-7 valign-top align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:top;\">75 </td><td class=\"startCol-8 endCol-8 valign-top align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:top;\">- </td><td class=\"startCol-9 endCol-9 valign-top align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:top;\">- </td><td class=\"startCol-10 endCol-10 valign-top align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:top;\">594 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">Other movements </td><td class=\"startCol-2 endCol-2 valign-top align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:top;\">- </td><td class=\"startCol-3 endCol-3 valign-top align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:top;\">- </td><td class=\"startCol-4 endCol-4 valign-top align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:top;\">- </td><td class=\"startCol-5 endCol-5 valign-top align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:top;\">- </td><td class=\"startCol-6 endCol-6 valign-top align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:top;\">2 </td><td class=\"startCol-7 endCol-7 valign-top align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:top;\">- </td><td class=\"startCol-8 endCol-8 valign-top align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:top;\">- </td><td class=\"startCol-9 endCol-9 valign-top align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:top;\">- </td><td class=\"startCol-10 endCol-10 valign-top align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:top;\">2 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-8 endCol-8 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-9 endCol-9 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-10 endCol-10 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\"><b>At 31 December 2022 </b></td><td class=\"startCol-2 endCol-2 valign-top align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:top;\"><b>24 </b></td><td class=\"startCol-3 endCol-3 valign-top align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:top;\"><b>1,533 </b></td><td class=\"startCol-4 endCol-4 valign-top align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:top;\"><b>288 </b></td><td class=\"startCol-5 endCol-5 valign-top align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:top;\"><b>-168 </b></td><td class=\"startCol-6 endCol-6 valign-top align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:top;\"><b>5,389 </b></td><td class=\"startCol-7 endCol-7 valign-top align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:top;\"><b>-79 </b></td><td class=\"startCol-8 endCol-8 valign-top align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:top;\"><b>-1,841 </b></td><td class=\"startCol-9 endCol-9 valign-top align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:top;\"><b>1,004 </b></td><td class=\"startCol-10 endCol-10 valign-top align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:top;\"><b>6,150 </b></td></tr></tbody></table> <br/>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:auto;\"/><col style=\"width:6.5%;\"/><col style=\"width:6.5%;\"/><col style=\"width:6.5%;\"/><col style=\"width:6.5%;\"/><col style=\"width:6.5%;\"/><col style=\"width:6.5%;\"/><col style=\"width:6.5%;\"/><col style=\"width:6.5%;\"/><col style=\"width:6.5%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-bottom align-center border-bottom-1 border-left-1 textRotation-90 headrow headrow-last\" scope=\"col\" style=\"text-align:center;vertical-align:bottom;\">\n<div><b>Share capital </b></div></th><th class=\"startCol-3 endCol-3 valign-bottom align-center border-bottom-1 textRotation-90 headrow headrow-last\" scope=\"col\" style=\"text-align:center;vertical-align:bottom;\">\n<div><b>Share premium reserve </b></div></th><th class=\"startCol-4 endCol-4 valign-bottom align-center border-bottom-1 textRotation-90 headrow headrow-last\" scope=\"col\" style=\"text-align:center;vertical-align:bottom;\">\n<div><b>Legal reserves </b></div></th><th class=\"startCol-5 endCol-5 valign-bottom align-center border-bottom-1 textRotation-90 headrow headrow-last\" scope=\"col\" style=\"text-align:center;vertical-align:bottom;\">\n<div><b>Actuarial gains and losses </b></div></th><th class=\"startCol-6 endCol-6 valign-bottom align-center border-bottom-1 textRotation-90 headrow headrow-last\" scope=\"col\" style=\"text-align:center;vertical-align:bottom;\">\n<div><b>Retained earnings </b></div></th><th class=\"startCol-7 endCol-7 valign-bottom align-center border-bottom-1 textRotation-90 headrow headrow-last\" scope=\"col\" style=\"text-align:center;vertical-align:bottom;\">\n<div><b>Treasury shares </b></div></th><th class=\"startCol-8 endCol-8 valign-bottom align-center border-bottom-1 textRotation-90 headrow headrow-last\" scope=\"col\" style=\"text-align:center;vertical-align:bottom;\">\n<div><b>Unappropriated result </b></div></th><th class=\"startCol-9 endCol-9 valign-bottom align-center border-bottom-1 textRotation-90 headrow headrow-last\" scope=\"col\" style=\"text-align:center;vertical-align:bottom;\">\n<div><b>Other equity instruments </b></div></th><th class=\"startCol-10 endCol-10 valign-bottom align-center border-bottom-1 textRotation-90 headrow headrow-last\" scope=\"col\" style=\"text-align:center;vertical-align:bottom;\">\n<div><b>Equity </b></div></th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\"><b>At 1 January 2023 </b></td><td class=\"startCol-2 endCol-2 valign-top align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:top;\">24 </td><td class=\"startCol-3 endCol-3 valign-top align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:top;\">1,533 </td><td class=\"startCol-4 endCol-4 valign-top align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:top;\">288 </td><td class=\"startCol-5 endCol-5 valign-top align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:top;\">-168 </td><td class=\"startCol-6 endCol-6 valign-top align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:top;\">5,389 </td><td class=\"startCol-7 endCol-7 valign-top align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:top;\">-79 </td><td class=\"startCol-8 endCol-8 valign-top align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:top;\">-1,841 </td><td class=\"startCol-9 endCol-9 valign-top align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:top;\">1,004 </td><td class=\"startCol-10 endCol-10 valign-top align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:top;\">6,150 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:top;\">Appropriation of the result previous year </td><td class=\"startCol-2 endCol-2 valign-top align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:top;\">- </td><td class=\"startCol-3 endCol-3 valign-top align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:top;\">- </td><td class=\"startCol-4 endCol-4 valign-top align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:top;\">- </td><td class=\"startCol-5 endCol-5 valign-top align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:top;\">- </td><td class=\"startCol-6 endCol-6 valign-top align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:top;\">-1,841 </td><td class=\"startCol-7 endCol-7 valign-top align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:top;\">- </td><td class=\"startCol-8 endCol-8 valign-top align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:top;\">1,841 </td><td class=\"startCol-9 endCol-9 valign-top align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:top;\">- </td><td class=\"startCol-10 endCol-10 valign-top align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:top;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">Net result for the year </td><td class=\"startCol-2 endCol-2 valign-top align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:top;\">- </td><td class=\"startCol-3 endCol-3 valign-top align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:top;\">- </td><td class=\"startCol-4 endCol-4 valign-top align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:top;\">- </td><td class=\"startCol-5 endCol-5 valign-top align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:top;\">- </td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:top;\">- </td><td class=\"startCol-8 endCol-8 valign-top align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:top;\">1,086 </td><td class=\"startCol-9 endCol-9 valign-top align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:top;\">- </td><td class=\"startCol-10 endCol-10 valign-top align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:top;\">1,086 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">Dividend paid </td><td class=\"startCol-2 endCol-2 valign-top align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:top;\">- </td><td class=\"startCol-3 endCol-3 valign-top align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:top;\">- </td><td class=\"startCol-4 endCol-4 valign-top align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:top;\">- </td><td class=\"startCol-5 endCol-5 valign-top align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:top;\">- </td><td class=\"startCol-6 endCol-6 valign-top align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:top;\">-254 </td><td class=\"startCol-7 endCol-7 valign-top align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:top;\">- </td><td class=\"startCol-8 endCol-8 valign-top align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:top;\">-228 </td><td class=\"startCol-9 endCol-9 valign-top align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:top;\">- </td><td class=\"startCol-10 endCol-10 valign-top align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:top;\">-482 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">Remeasurement of post-employment benefit obligation </td><td class=\"startCol-2 endCol-2 valign-top align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:top;\">- </td><td class=\"startCol-3 endCol-3 valign-top align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:top;\">- </td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:top;\">-120 </td><td class=\"startCol-6 endCol-6 valign-top align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:top;\">- </td><td class=\"startCol-7 endCol-7 valign-top align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:top;\">- </td><td class=\"startCol-8 endCol-8 valign-top align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:top;\">- </td><td class=\"startCol-9 endCol-9 valign-top align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:top;\">- </td><td class=\"startCol-10 endCol-10 valign-top align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:top;\">-120 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">Unrealised change in value </td><td class=\"startCol-2 endCol-2 valign-top align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:top;\">- </td><td class=\"startCol-3 endCol-3 valign-top align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:top;\">- </td><td class=\"startCol-4 endCol-4 valign-top align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:top;\">202 </td><td class=\"startCol-5 endCol-5 valign-top align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:top;\">- </td><td class=\"startCol-6 endCol-6 valign-top align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:top;\">-20 </td><td class=\"startCol-7 endCol-7 valign-top align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:top;\">- </td><td class=\"startCol-8 endCol-8 valign-top align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:top;\">- </td><td class=\"startCol-9 endCol-9 valign-top align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:top;\">- </td><td class=\"startCol-10 endCol-10 valign-top align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:top;\">182 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Change in reserves required by law </td><td class=\"startCol-2 endCol-2 valign-top align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:top;\">- </td><td class=\"startCol-3 endCol-3 valign-top align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:top;\">- </td><td class=\"startCol-4 endCol-4 valign-top align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:top;\">352 </td><td class=\"startCol-5 endCol-5 valign-top align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:top;\">- </td><td class=\"startCol-6 endCol-6 valign-top align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:top;\">-352 </td><td class=\"startCol-7 endCol-7 valign-top align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:top;\">- </td><td class=\"startCol-8 endCol-8 valign-top align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:top;\">- </td><td class=\"startCol-9 endCol-9 valign-top align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:top;\">- </td><td class=\"startCol-10 endCol-10 valign-top align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:top;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">Discretionary interest on other equity instruments </td><td class=\"startCol-2 endCol-2 valign-top align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:top;\">- </td><td class=\"startCol-3 endCol-3 valign-top align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:top;\">- </td><td class=\"startCol-4 endCol-4 valign-top align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:top;\">- </td><td class=\"startCol-5 endCol-5 valign-top align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:top;\">- </td><td class=\"startCol-6 endCol-6 valign-top align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:top;\">-48 </td><td class=\"startCol-7 endCol-7 valign-top align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:top;\">- </td><td class=\"startCol-8 endCol-8 valign-top align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:top;\">- </td><td class=\"startCol-9 endCol-9 valign-top align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:top;\">- </td><td class=\"startCol-10 endCol-10 valign-top align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:top;\">-48 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Treasury shares acquired (-) / sold </td><td class=\"startCol-2 endCol-2 valign-top align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:top;\">- </td><td class=\"startCol-3 endCol-3 valign-top align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:top;\">- </td><td class=\"startCol-4 endCol-4 valign-top align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:top;\">- </td><td class=\"startCol-5 endCol-5 valign-top align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:top;\">- </td><td class=\"startCol-6 endCol-6 valign-top align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:top;\">-1 </td><td class=\"startCol-7 endCol-7 valign-top align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:top;\">-4 </td><td class=\"startCol-8 endCol-8 valign-top align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:top;\">- </td><td class=\"startCol-9 endCol-9 valign-top align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:top;\">- </td><td class=\"startCol-10 endCol-10 valign-top align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:top;\">-5 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Increase (decrease) in capital </td><td class=\"startCol-2 endCol-2 valign-top align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:top;\">10 </td><td class=\"startCol-3 endCol-3 valign-top align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:top;\">2,537 </td><td class=\"startCol-4 endCol-4 valign-top align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:top;\">- </td><td class=\"startCol-5 endCol-5 valign-top align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:top;\">- </td><td class=\"startCol-6 endCol-6 valign-top align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:top;\">-40 </td><td class=\"startCol-7 endCol-7 valign-top align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:top;\">75 </td><td class=\"startCol-8 endCol-8 valign-top align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:top;\">- </td><td class=\"startCol-9 endCol-9 valign-top align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:top;\">- </td><td class=\"startCol-10 endCol-10 valign-top align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:top;\">2,582 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Other movements </td><td class=\"startCol-2 endCol-2 valign-top align-right border-bottom-1 border-left-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:top;\">- </td><td class=\"startCol-3 endCol-3 valign-top align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:top;\">- </td><td class=\"startCol-4 endCol-4 valign-top align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:top;\">- </td><td class=\"startCol-5 endCol-5 valign-top align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:top;\">- </td><td class=\"startCol-6 endCol-6 valign-top align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:top;\">-2 </td><td class=\"startCol-7 endCol-7 valign-top align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:top;\">- </td><td class=\"startCol-8 endCol-8 valign-top align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:top;\">- </td><td class=\"startCol-9 endCol-9 valign-top align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:top;\">- </td><td class=\"startCol-10 endCol-10 valign-top align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:top;\">-2 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-7 endCol-7 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-8 endCol-8 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-9 endCol-9 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-10 endCol-10 valign-top border-bottom-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\"><b>At 31 December 2023 </b></td><td class=\"startCol-2 endCol-2 valign-top align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:top;\"><b>34 </b></td><td class=\"startCol-3 endCol-3 valign-top align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:top;\"><b>4,070 </b></td><td class=\"startCol-4 endCol-4 valign-top align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:top;\"><b>842 </b></td><td class=\"startCol-5 endCol-5 valign-top align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:top;\"><b>-288 </b></td><td class=\"startCol-6 endCol-6 valign-top align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:top;\"><b>2,830 </b></td><td class=\"startCol-7 endCol-7 valign-top align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:top;\"><b>-7 </b></td><td class=\"startCol-8 endCol-8 valign-top align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:top;\"><b>858 </b></td><td class=\"startCol-9 endCol-9 valign-top align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:top;\"><b>1,004 </b></td><td class=\"startCol-10 endCol-10 valign-top align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:top;\"><b>9,343 </b></td></tr></tbody></table> <br/>\n<div class=\"header header-1\">Share capital </div>\n<p>For a breakdown of the share capital, see <a href=\"#n1289724\" title=\"Share capital\">chapter 7.5.11.1</a>. </p>\n<div class=\"header header-1\">Legal reserves </div>\n<p>The legal reserves relate to the revaluation of investments in group companies. The legal reserves are maintained in relation to the (not yet received as dividend) share in the result (and other additions to equity) of group companies accounted for using the equity method since initial recognition reduced with the amount of dividend that a.s.r. is able to distribute without restrictions. The legal reserves are not freely distributable. See <a href=\"#n1288617\" title=\"Capital management\">chapter 7.9</a> for more information on the regulatory restrictions. </p>\n<div class=\"header header-1\">Treasury shares </div>\n<p>For more information on treasury shares, see <a href=\"#n1289679\" title=\"Treasury shares\">chapter 7.5.11.5. </a></p>\n<div class=\"header header-1\">Other equity instruments </div>\n<p>The other equity instruments relate to two (2022: two) different hybrid Tier 1 and Tier 2 instruments classified as equity. See <a href=\"#n1289702\" title=\"Other equity instruments\">chapter 7.5.11.6</a> for more information. </p>\n<div class=\"header header-1\">Freely distributable items </div>\n<p>The part of equity attributable to shareholders that is available for dividend distributions is limited by the Dutch Civil Code and the Dutch Supervisory Rules and Regulations (Solvency II requirements). The distribution of capital is restricted in accordance with the Dutch Civil Code for share capital and statutory reserves. The Solvency II requirements stipulate that a.s.r. must maintain a minimum amount of capital. </p>\n<p>The freely distributable reserves is based on the lowest outcome of the restrictions from the Dutch Civil Code and the Solvency II requirements. This is further explained in the table below: </p>\n<h3 class=\"table-title\">Distributable items </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:0%;\"/><col style=\"width:14%;\"/><col style=\"width:14%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-top align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:top;\">2023 </th><th class=\"startCol-3 endCol-3 valign-top align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:top;\">2022 </th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">Equity attributable to shareholders </td><td class=\"startCol-2 endCol-2 valign-top align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:top;\">8,339 </td><td class=\"startCol-3 endCol-3 valign-top align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:top;\">5,146 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">Non distributable items </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">- Share capital<sup class=\"footnote cShowTooltip\" title=\"Less the nominal value of treasury shares if applicable\">1 </sup></td><td class=\"startCol-2 endCol-2 valign-top align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:top;\">34 </td><td class=\"startCol-3 endCol-3 valign-top align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:top;\">24 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">- Legal reserves </td><td class=\"startCol-2 endCol-2 valign-top align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:top;\">842 </td><td class=\"startCol-3 endCol-3 valign-top align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:top;\">288 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\"><b>Distributable items based on the Dutch Civil Code </b></td><td class=\"startCol-2 endCol-2 valign-top align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:top;\"><b>7,463 </b></td><td class=\"startCol-3 endCol-3 valign-top align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:top;\"><b>4,834 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">Reserves available for financial supervision purposes </td><td class=\"startCol-2 endCol-2 valign-top align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:top;\">11,578 </td><td class=\"startCol-3 endCol-3 valign-top align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:top;\">7,441 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">Solvency II requirement under the Financial Supervision Act </td><td class=\"startCol-2 endCol-2 valign-top align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:top;\">6,581 </td><td class=\"startCol-3 endCol-3 valign-top align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:top;\">3,360 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\"><b>Distributable items based on the Solvency II requirements </b></td><td class=\"startCol-2 endCol-2 valign-top align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:top;\"><b>4,997 </b></td><td class=\"startCol-3 endCol-3 valign-top align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:top;\"><b>4,081 </b></td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\"><b>Freely distributable items (lower of the values above) </b></td><td class=\"startCol-2 endCol-2 valign-top align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:top;\"><b>4,997 </b></td><td class=\"startCol-3 endCol-3 valign-top align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:top;\"><b>4,081 </b></td></tr></tbody></table><ol class=\"footnotes width-50\"><li> Less the nominal value of treasury shares if applicable </li></ol> <br/>\n<p>For more information on Solvency II capital management objectives see chapter <a href=\"#n1288648\" title=\"Capital management objectives\">7.9.1. </a></p>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n1287428\"><span class=\"title-text\">7.11.3.13 Employee benefits </span></h1>\n<p>Employee benefits can be broken down as follows (see <a href=\"#n1289054\" title=\"Employee benefits\">chapter 7.5.15</a> for further details): </p>\n<h3 class=\"table-title\">Employee benefits </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:0%;\"/><col style=\"width:14%;\"/><col style=\"width:14%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-top align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:top;\">2023 </th><th class=\"startCol-3 endCol-3 valign-top align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:top;\">2022 </th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">Post-employment benefits pensions </td><td class=\"startCol-2 endCol-2 valign-top align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:top;\">5,160 </td><td class=\"startCol-3 endCol-3 valign-top align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:top;\">2,722 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">Post-employment benefits other than pensions </td><td class=\"startCol-2 endCol-2 valign-top align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:top;\">39 </td><td class=\"startCol-3 endCol-3 valign-top align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:top;\">7 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\"><b>Post-employment benefit obligation </b></td><td class=\"startCol-2 endCol-2 valign-top align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:top;\"><b>5,199 </b></td><td class=\"startCol-3 endCol-3 valign-top align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:top;\"><b>2,730 </b></td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">Other long-term employee benefits </td><td class=\"startCol-2 endCol-2 valign-top align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:top;\">19 </td><td class=\"startCol-3 endCol-3 valign-top align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:top;\">12 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\"><b>Total </b></td><td class=\"startCol-2 endCol-2 valign-top align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:top;\"><b>5,218 </b></td><td class=\"startCol-3 endCol-3 valign-top align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:top;\"><b>2,742 </b></td></tr></tbody></table> <br/>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n1287451\"><span class=\"title-text\">7.11.3.14 Other provisions </span></h1>\n<h3 class=\"table-title\">Changes in provisions </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:0%;\"/><col style=\"width:14%;\"/><col style=\"width:14%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-top align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:top;\">2023 </th><th class=\"startCol-3 endCol-3 valign-top align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:top;\">2022 </th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">At 1 January </td><td class=\"startCol-2 endCol-2 valign-top align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:top;\">3 </td><td class=\"startCol-3 endCol-3 valign-top align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:top;\">8 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">Additional provisions </td><td class=\"startCol-2 endCol-2 valign-top align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:top;\">65 </td><td class=\"startCol-3 endCol-3 valign-top align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:top;\">4 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">Reversal of unused amounts </td><td class=\"startCol-2 endCol-2 valign-top align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:top;\">-1 </td><td class=\"startCol-3 endCol-3 valign-top align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:top;\">-2 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">Utilised in course of year </td><td class=\"startCol-2 endCol-2 valign-top align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:top;\">-9 </td><td class=\"startCol-3 endCol-3 valign-top align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:top;\">-6 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">Changes in the composition of the group </td><td class=\"startCol-2 endCol-2 valign-top align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:top;\">25 </td><td class=\"startCol-3 endCol-3 valign-top align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:top;\">- </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\"><b>At 31 December </b></td><td class=\"startCol-2 endCol-2 valign-top align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:top;\"><b>84 </b></td><td class=\"startCol-3 endCol-3 valign-top align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:top;\"><b>3 </b></td></tr></tbody></table> <br/>\n<p>Provisions primarily relate to provisions for employee restructuring and retained disability risk. See <a href=\"#n1289145\" title=\"Provisions\">chapter 7.5.16</a> for more information. </p>\n<p>The timing of the outflow of resources related to these provisions is uncertain because of the unpredictability of the outcome and time required for the settlement of disputes. </p>\n<p>An amount of <span style=\"white-space:nowrap;\">\u20ac\u00a070 million</span> (2022: <span style=\"white-space:nowrap;\">\u20ac\u00a03 million)</span> of the provisions is expected to be settled within twelve months after the balance sheet date. </p>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n1287474\"><span class=\"title-text\">7.11.3.15 Subordinated liabilities </span></h1>\n<p>For information regarding the subordinated liabilities see chapter <a href=\"#n1288760\" title=\"Subordinated liabilities\">7.5.12</a>. </p>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n1287497\"><span class=\"title-text\">7.11.3.16 Borrowings </span></h1>\n<h3 class=\"table-title\">Borrowings </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:0%;\"/><col style=\"width:14%;\"/><col style=\"width:14%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-top align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:top;\">2023 </th><th class=\"startCol-3 endCol-3 valign-top align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:top;\">2022 </th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">Loans </td><td class=\"startCol-2 endCol-2 valign-top align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:top;\">596 </td><td class=\"startCol-3 endCol-3 valign-top align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:top;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">Lease liabilities </td><td class=\"startCol-2 endCol-2 valign-top align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:top;\">248 </td><td class=\"startCol-3 endCol-3 valign-top align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:top;\">226 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\"><b>Total borrowings </b></td><td class=\"startCol-2 endCol-2 valign-top align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:top;\"><b>845 </b></td><td class=\"startCol-3 endCol-3 valign-top align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:top;\"><b>226 </b></td></tr></tbody></table> <br/>\n<p>The loans relate to the issue of the green senior bond under the a.s.r. Green Finance Framework of \u20ac\u00a0600 million in 2023. The bond has a maturity of 5 years with a fixed rate coupon of 3.625%. </p>\n<p>The lease liabilities consist primarily (\u20ac\u00a0220 million, 2022: \u20ac\u00a0216 million) of the lease of the a.s.r. head office from a.s.r. life. The interest rate for the lease of the head office is 1.5% (2022: 1.5%). The maturity of this contract is 32 years, which includes the total of five extension options of five years each. </p>\n<p>An amount of <span style=\"white-space:nowrap;\">\u20ac\u00a020 million</span> (2022: <span style=\"white-space:nowrap;\">\u20ac\u00a012 million)</span>of the lease liabilities is expected to be settled within twelve months after the balance sheet date. </p>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n1287245\"><span class=\"title-text\">7.11.3.17 Debts to group companies </span></h1>\n<p>Debts to group companies with a principal amount of \u20ac\u00a0996 million (2022: nil) have an average interest rate of 3.92 % in 2023. The maturity of the loans varies from 1 - 4 years. An amount of \u20ac\u00a0791 million of the debt to group companies is expected to be settled less than or equal to one year after the balance sheet date. </p>\n<p>There is no significant difference between the carrying amount of the debt to group companies and the fair value of these liabilities. No securities or guarantees have been agreed and no collateral is posted. </p>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n1287519\"><span class=\"title-text\">7.11.3.18 Due to banks </span></h1>\n<p>In 2023, due to banks amounted to <span style=\"white-space:nowrap;\">\u20ac\u00a0200 million</span> (2022: <span style=\"white-space:nowrap;\">\u20ac\u00a078 million).</span>The entire amount of due to banks is expected to be settled less than or equal to one year after the balance sheet date. </p>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n1287655\"><span class=\"title-text\">7.11.3.19 Other liabilities </span></h1>\n<h3 class=\"table-title\">Other liabilities </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:0%;\"/><col style=\"width:14%;\"/><col style=\"width:14%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-2 endCol-2 valign-top align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:top;\">2023 </th><th class=\"startCol-3 endCol-3 valign-top align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:top;\">2022 </th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">Short-term employee benefits </td><td class=\"startCol-2 endCol-2 valign-top align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:top;\">18 </td><td class=\"startCol-3 endCol-3 valign-top align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:top;\">16 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">Trade payables </td><td class=\"startCol-2 endCol-2 valign-top align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:top;\">3 </td><td class=\"startCol-3 endCol-3 valign-top align-right border-bottom-1 border-left-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:top;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">Tax payables </td><td class=\"startCol-2 endCol-2 valign-top align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:top;\">- </td><td class=\"startCol-3 endCol-3 valign-top align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:top;\">9 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">Other liabilities </td><td class=\"startCol-2 endCol-2 valign-top align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:top;\">306 </td><td class=\"startCol-3 endCol-3 valign-top align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:top;\">44 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\"><b>Total other liabilities </b></td><td class=\"startCol-2 endCol-2 valign-top align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:top;\"><b>327 </b></td><td class=\"startCol-3 endCol-3 valign-top align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:top;\"><b>69 </b></td></tr></tbody></table> <br/>\n<p>The carrying amount of other liabilities is a good approximation of their fair value. </p>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n1287677\"><span class=\"title-text\">7.11.3.20 Operating expenses </span></h1>\n<p>The operating expenses of <span style=\"white-space:nowrap;\">\u20ac\u00a0211 million</span> (2022: <span style=\"white-space:nowrap;\">\u20ac\u00a0105 million)</span>are operating expenses relating to holding activities. The increase in the operating expenses is mainly due to the integration of Aegon NL. See <a href=\"#n1285858\" title=\"Operating and other expenses\">chapter 7.6.11</a> for the total operating expenses of the group. Operating expenses also include depreciation of the right-of-use assets owned by subsidiaries of <span style=\"white-space:nowrap;\">\u20ac\u00a012\u00a0million</span> (2022: <span style=\"white-space:nowrap;\">\u20ac\u00a011 million)</span>. </p>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n1287700\"><span class=\"title-text\">7.11.3.21 Investment income </span></h1>\n<p>The investment income of \u20ac\u00a056 million (2022: \u20ac\u00a09 million) mainly increased as a result of an increase in the interest income relating to the employee benefits obligation allocated to the holding. </p>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n1287722\"><span class=\"title-text\">7.11.3.22 Interest expense </span></h1>\n<p>The interest expense relates primarily to the interest on subordinated liabilities, interest owed to credit institutions and to the interest on the lease liabilities. </p>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n1287744\"><span class=\"title-text\">7.11.3.23 Auditor\u2019s fees </span></h1>\n<p>The following fees for the financial years have been charged by KPMG Accountants N.V. to a.s.r., its subsidiaries and other consolidated entities, on an accrual basis. </p>\n<h3 class=\"table-title\">Auditor\u2019s fee </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:auto;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">Amounts in \u20ac\u00a0thousands </th><th class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-3 endCol-3 valign-top align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:top;\">2023 </th><th class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-5 endCol-5 valign-top align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:top;\">2022 </th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:top;\">KPMG </td><td class=\"startCol-3 endCol-3 valign-top align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:top;\">Other auditor </td><td class=\"startCol-4 endCol-4 valign-top align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:top;\">KPMG </td><td class=\"startCol-5 endCol-5 valign-top align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:top;\">Other auditor </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">Audit of the financial statements </td><td class=\"startCol-2 endCol-2 valign-top align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:top;\">15,410 </td><td class=\"startCol-3 endCol-3 valign-top align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:top;\">6,144 </td><td class=\"startCol-4 endCol-4 valign-top align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:top;\">6,548 </td><td class=\"startCol-5 endCol-5 valign-top align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:top;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">Other audit engagements </td><td class=\"startCol-2 endCol-2 valign-top align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:top;\">1,712 </td><td class=\"startCol-3 endCol-3 valign-top align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:top;\">2,076 </td><td class=\"startCol-4 endCol-4 valign-top align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:top;\">1,324 </td><td class=\"startCol-5 endCol-5 valign-top align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:top;\">- </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\"><b>Total audit fees </b></td><td class=\"startCol-2 endCol-2 valign-top align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:top;\"><b>17,123 </b></td><td class=\"startCol-3 endCol-3 valign-top align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:top;\"><b>8,220 </b></td><td class=\"startCol-4 endCol-4 valign-top align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:top;\"><b>7,872 </b></td><td class=\"startCol-5 endCol-5 valign-top align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:top;\"><b>- </b></td></tr></tbody></table> <br/>\n<p>Fees for audit engagements include fees paid for the audit of the consolidated and company financial statements, quarterly reports and other reports. </p>\n<p>In the above mentioned years no fees were paid for tax-related advisory services to KPMG Accountants N.V. and no fees were paid to other KPMG networks, other than KPMG Accountants N.V. </p>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n1287766\"><span class=\"title-text\">7.11.3.24 Related parties </span></h1>\n<p>A related party is a person or entity that has significant influence over another entity, or has the ability to affect the financial and operating policies of the other party. Parties related to a.s.r. include associates, joint ventures, members of the EB and MB, members of the SB, close family members of any person referred to above, entities controlled or significantly influenced by any person referred to above and any other affiliated entity. </p>\n<p>a.s.r. enters into transactions with related parties during the conduct of its business. These transactions mainly involve loans, debts, deposits and commissions, and are conducted on terms equivalent to those that prevail in arm\u2019s length transactions. </p><ul><li>\n<p>Related party transactions in relation to members of the EB, MB and SB are mentioned in chapter <a href=\"#n1285352\" title=\"Related party transactions\">7.7.3</a> of the consolidated finanancial statements. </p></li><li>\n<p>The remuneration of the EB and SB members of a.s.r. is disclosed in chapter <a href=\"#n1285376\" title=\"Key management personnel remuneration\">7.7.4</a> of the consolidated finanancial statements. </p></li><li>\n<p>The loans (including interest income) and debts to group companies are described in 7.11.3.7 respectively 7.11.3.17 of the financial company statements. </p></li></ul>\n<p>The post-employment benefit plan of a.s.r. is administreted by a.s.r. life and Aegon Life. For information regarding to this plan reference is made to chapter 7.11.3.10 of this company financial statements. </p>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n1287267\"><span class=\"title-text\">7.11.3.25 Contingent liabilities  <br/></span></h1>\n<div class=\"header header-1\">Joint and several liability </div>\n<p>a.s.r. forms a fiscal unity for corporate income tax and VAT with nearly all of its subsidiaries. The company and its subsidiaries that form part of the fiscal unity are jointly and separately liable for taxation payable by the fiscal entity. </p>\n<p>A statement of joint and several liability under section 403, Book 2 of the Dutch Civil Code has been issued by a.s.r. for the companies identified in chapter <a href=\"#n1285581\" title=\"List of principal group companies\">7.7.8. </a></p>\n<div class=\"header header-1\">Investment obligations and guarantees </div>\n<p>As in 2022, a.s.r. has issued no investment obligation or guarantees to third parties. </p>\n<p>Utrecht, 2 April 2024 </p>\n<div class=\"header header-2\">Executive Board </div>\n<p>Jos Baeten </p>\n<p>Ewout Hollegien </p>\n<p>Ingrid de Swart  <br/></p>\n<div class=\"header header-2\">Supervisory Board </div>\n<p>Joop Wijn </p>\n<p>Herman Hintzen </p>\n<p>Sonja Barendregt </p>\n<p>Gisella van Vollenhoven </p>\n<p>Gerard van Olphen </p>\n<p>Dani\u00eblle Jansen Heijtmajer </p>\n<p>Lard Friese </p>\n<div class=\"tanPageBreak newPage\"> </div>\n<p>This page is intentionally left blank. </p>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfConsolidatedAndSeparateFinancialStatementsExplanatory",
    "language": "en",
    "entity": "scheme:7245000G0HS48PZWUD53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "ixv-810": {
   "value": "\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n1287744\"><span class=\"title-text\">7.11.3.23 Auditor\u2019s fees </span></h1>\n<p>The following fees for the financial years have been charged by KPMG Accountants N.V. to a.s.r., its subsidiaries and other consolidated entities, on an accrual basis. </p>\n<h3 class=\"table-title\">Auditor\u2019s fee </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:auto;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/><col style=\"width:13%;\"/></colgroup><thead>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">Amounts in \u20ac\u00a0thousands </th><th class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-3 endCol-3 valign-top align-right border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:top;\">2023 </th><th class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-5 endCol-5 valign-top align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:top;\">2022 </th></tr></thead><tbody>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:top;\">KPMG </td><td class=\"startCol-3 endCol-3 valign-top align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:top;\">Other auditor </td><td class=\"startCol-4 endCol-4 valign-top align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:top;\">KPMG </td><td class=\"startCol-5 endCol-5 valign-top align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:top;\">Other auditor </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">Audit of the financial statements </td><td class=\"startCol-2 endCol-2 valign-top align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:top;\">15,410 </td><td class=\"startCol-3 endCol-3 valign-top align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:top;\">6,144 </td><td class=\"startCol-4 endCol-4 valign-top align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:top;\">6,548 </td><td class=\"startCol-5 endCol-5 valign-top align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:top;\">- </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">Other audit engagements </td><td class=\"startCol-2 endCol-2 valign-top align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:top;\">1,712 </td><td class=\"startCol-3 endCol-3 valign-top align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:top;\">2,076 </td><td class=\"startCol-4 endCol-4 valign-top align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:top;\">1,324 </td><td class=\"startCol-5 endCol-5 valign-top align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:top;\">- </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr class=\"cBold cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\"><b>Total audit fees </b></td><td class=\"startCol-2 endCol-2 valign-top align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:top;\"><b>17,123 </b></td><td class=\"startCol-3 endCol-3 valign-top align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:top;\"><b>8,220 </b></td><td class=\"startCol-4 endCol-4 valign-top align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:top;\"><b>7,872 </b></td><td class=\"startCol-5 endCol-5 valign-top align-right border-bottom-1 border-top-1 zero-dash\" style=\"text-align:right;vertical-align:top;\"><b>- </b></td></tr></tbody></table> <br/>\n<p>Fees for audit engagements include fees paid for the audit of the consolidated and company financial statements, quarterly reports and other reports. </p>\n<p>In the above mentioned years no fees were paid for tax-related advisory services to KPMG Accountants N.V. and no fees were paid to other KPMG networks, other than KPMG Accountants N.V. </p>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfAuditorsRemunerationExplanatory",
    "language": "en",
    "entity": "scheme:7245000G0HS48PZWUD53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  }
 }
}